| Author | Content |
nanny_56
Putnam County, IN
(Zone 5b)
December 03, 2008
03:21 PM Post #5855111
| How does one pay thru paypal with a credit card? I am totally ignorant on the use of paypal and am intimadated to use it. |
Dutchlady1
Naples, FL
(Zone 10a)
December 03, 2008
03:33 PM Post #5855149
| Start by signing on to paypal - it will be self-explanatory. If you don't have a paypal account, just go to the main page (www.paypal.com) and go to 'new to paypal? sign up'.
I couldn't imagine life without paypal anymore! |
podster
Deep East Texas, TX
(Zone 8a)
December 04, 2008
07:48 AM Post #5857292
| Paypal is a good alternative to protect your credit card. You only give the card number to them. They will pay the seller and process the charge on your credit card.
I find many different online businesses will accept it and there will be no added fees to you as the buyer. The fees are charged to the seller. I purchase office supplies, pharmaceuticals, etc with paypal.
DH has a paypal account using his credit card. I don't. Mine links to my checking account. It takes a bit longer to process an echeck but otherwise works the same. You could do either or change the setting as you wish for each transaction. |
flowerfantasy
Washington, IN
(Zone 6a)
December 04, 2008
03:18 PM Post #5858670
| GOD BLESS Paypal. I wouldn't know what to do with out it either. I pay for all of my online stuff with it. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 04, 2008
03:23 PM Post #5858673
| You can use PayPal on a web site that doesn't take PayPal. I'm not sure exactly how this works as I've not tried it. You can also get a special credit card number to use "one time only" if you don't want to use your real cc number.
Karen |
nanny_56
Putnam County, IN
(Zone 5b)
December 04, 2008
04:08 PM Post #5858807
| I have seen some say that a buyer does not have to have a paypal account to pay thru paypal. I do have a paypal account actually, have for a year but have never used it because it confuses me. I need to maybe read thru it better... |
podster
Deep East Texas, TX
(Zone 8a)
December 04, 2008
09:06 PM Post #5859711
| I believe all you need is their email address to send someone a paypal payment. Paypal will contact them via their address and set them up with an account.
Our credit card companies offer virtual account numbers which are an unrelated card number to float out there on the internet and when used, it will bill to your charge card. This limits the potential damage that can be done by a thief. |
flowerfantasy
Washington, IN
(Zone 6a)
December 04, 2008
09:23 PM Post #5859803
| I know I have bought a few things from people on here and all I do is bring up my paypal account and there is a place there where you can send money to whom ever as long as you have their email address. You can even go in and send money for any of you bills you want to pay as long as there is a email address to send it to and they have an account. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 05, 2008
11:32 AM Post #5861289
| Yes, PayPal also has the virtual, one-time only, numbers. You can send money to a friend or relative, and there is no fee for this to either party. My daughter sent money to her son for his college tuition via PayPal.
nanny_56 - PayPal is very easy to use. When you go to pay with it, the PayPal system will walk you through the process.
Karen
|
flowerfantasy
Washington, IN
(Zone 6a)
December 05, 2008
12:35 PM Post #5861514
| Yeah it is simple. My sister learnt how to do it and that is saying a lot. LOL. She just doesn't learn things like that very easily. |
p1mkw
Danville, IN
(Zone 5b)
December 19, 2008
10:05 PM Post #5910195
| In addition to all the reasons listed above, another advantage (as I see it anyway) is that there is some protection to both the buyer and the seller. The buyer has proof of a payment being made and the seller knows that the buyer is legit. There are fees to a seller if the buyer pays with a credit card but they are very reasonable. They are also easy to calculate so a seller could add that to the price of the item being sold if desired. I have used PayPal for years and have never had a problem on either side (buyer or selling). |
FrillyLily
Lebanon, MO
December 20, 2008
01:03 AM Post #5910781
| I understand that it is a violation of the user agreement between the seller and the credit company (or pay pal?) for a seller to charge a fee to the buyer for using the pay pal service. I think the fee is 3% of each transaction, paid to pay pal by the seller.
Also on my pay pal account I have several pay options. I have two credit cards and a bank account. When you go to pay there will be a menu for you to chose from. You have to select the payment method you want to use- otherwise whatever you set up as your default payment will be used. A few times I have accidentally clicked 'continue' without realizing I didn't change my payment method, and if you have no money in your bank account, that can be bad lol. So I always have to be careful of that.
ALSO WARNING*******************************
I made a purchase using pay pal for an E-Bay auction. I used the automatic withdraw from my BANK account. After a couple days the seller contacted me and for whatever reason the shipping was $10 less than I paid. So she refunded me the $10. I ASSUMED that it would be put BACK into my BANK account. Later when I got my bank statement, I was $10 off and realized that the money was put into a pay pal account as a credit to me. I could have easily wrote a check on that $10 and been overdrawn.
*************************
Depending on what kind of things you are purchasing, using pay pal or otherwise, paying with a credit card can be better than cash in some ways. It can give you an alternate receipt. You may have more rights to disputing a purchase or warranty issues. It allows you to look over a monthly statement and see all of your purchases. Whereas with cash, you easily 'forget' what you spent 3 weeks ago. Some cards offer cash back incentives, promotional coupons for participating businesses and even gas discounts. It is also one way to help establish a credit history. And a good way to track teens purchases.
Of course the draw back is FEES and INTEREST if you don't pay it off every month.
This for instance. We went on vacation. Arrived at a hotel we 'thought' was the one we had made reservations for. Turns our there is more than one Marriott on the street. Major City. The room was supposed to be FREE with points. So the clerk behind the desk told us our hotel was actually on the other end of town on the same street. He said no problem that he could transfer our points to this hotel and that we could stay there instead.
Later when we checked out, the new clerk on duty, said the points did not apply to that particular hotel even though it was still the same name. 'This' one was more upscale and took double the amount of points to stay and so our room would cost us $175 instead of using our points which would be credited back to our account for later use. He apologized for the 'inconvenience' and the employee that apparently didn't know what he was doing.
After arguing about this with the manager, we paid with our CREDIT CARD.
That allowed us to contact the card company after we got home and file a formal dispute for the charge. We were refunded the entire amount. It took persistence lol but it paid off!
|
dmj1218
west Houston, TX
(Zone 9a)
December 20, 2008
10:17 AM Post #5911340
| I understand that it is a violation of the user agreement between the seller and the credit company (or pay pal?) for a seller to charge a fee to the buyer for using the pay pal service. I think the fee is 3% of each transaction, paid to pay pal by the seller.
this is not correct--you can if you want, you can add this fee. It may be a violation of EBAY RULES but not PayPal rules. I have run a business with/through PayPal for payment for years. The fee is 2.9% + 30 cents per transaction. |
flowerfantasy
Washington, IN
(Zone 6a)
December 20, 2008
11:30 AM Post #5911532
| And did you know that paypal is a part of ebay? This has only happened with in the last couple of years. |
dmj1218
west Houston, TX
(Zone 9a)
December 20, 2008
11:36 AM Post #5911556
| I'm well aware of that--I've ran a business for years |
flowerfantasy
Washington, IN
(Zone 6a)
December 20, 2008
02:43 PM Post #5912293
| I didn't know whether you knew or not but I sure wouldn't want to charge anyone for the fee. Be too afraid ebay would catch me at it. I know paypal is a subsidary of ebay but ebay can still have a say in what paypal does. |
nanny_56
Putnam County, IN
(Zone 5b)
December 20, 2008
04:10 PM Post #5912574
| Thank you FrillyLily...the info about the drop down menus is very helpful. Maybe I will take the leap and use it soon! I feel I understand it more now. But I still worry, I will mess up! |
gessiegail
Taft, TX
(Zone 9a)
December 20, 2008
04:29 PM Post #5912607
| A DGer and I passed money back and forth...Paypal certainly charged each one of us...the 3% plus the one time transaction fee. We were arguing about who was going to pay. It turned out not to be a good thing...we each got to pay
are you saying that if it goes on your credit card, you don't have to pay paypal the 3% or whatever it is to send money. |
ecrane3
Dublin, CA
(Zone 9a)
December 20, 2008
04:37 PM Post #5912625
| No, the fee is there with credit cards too. |
dmj1218
west Houston, TX
(Zone 9a)
December 20, 2008
05:30 PM Post #5912750
| most companies just include the PayPal charge in your total price (such as I do) but you don't have too--PayPal does not care if you are associated with ebay or not--they are perfectly happy to be your "money handlers" quite seperate from ebay. |
gessiegail
Taft, TX
(Zone 9a)
December 20, 2008
05:33 PM Post #5912757
| One more question. I just let paypal take it out of my bank account although they do have my credit card. What I don't like is that when I sell plants, they keep the money in a pay pal account. It is not theirs to keep I feel like. Would it costs me money to transfer it from paypal back in my own bank account? |
dmj1218
west Houston, TX
(Zone 9a)
December 20, 2008
05:34 PM Post #5912763
| no Gail--they will do that for free |
gessiegail
Taft, TX
(Zone 9a)
December 20, 2008
05:38 PM Post #5912777
| oh, thank you so much! I never move it because I am afraid I will have to pay to put it in my own bank account. |
dmj1218
west Houston, TX
(Zone 9a)
December 20, 2008
05:40 PM Post #5912780
| nope--as long as your sending it to the acct they have on file--they know its yours. I routinely send anything over $100 to my bank acct. I think by now they expect it. |
nanny_56
Putnam County, IN
(Zone 5b)
December 20, 2008
08:57 PM Post #5913345
| I am learning so much more now. |
gessiegail
Taft, TX
(Zone 9a)
December 20, 2008
09:42 PM Post #5913522
| I am , too...thanks everyone! |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 21, 2008
04:18 PM Post #5915737
| Gail,
You can use PayPal to send money to anyone for free -- but, they charge if you list it as payment for something. I've used the Cash Advance option to send money from my PayPal account to my daughter. She has used it to send money from her bank account to her son's PayPal account. He then just transferred the money to his bank account. No charge for this.
PayPal does have a note on the Cash Advance option that your credit card company may charge you for a cash advance if you send the money from your CC. I don't really know about that as I've always sent the money from my PayPal account itself and my daughter used her bank account.
[HYPERLINK@www.paypal.com]
If there was a PayPal charge for a transaction, then the sender told PayPal that the money was payment for something -- not just sending money.
Should you ever need to issue a refund for a PayPal transaction, do not use the above method to return the money. Go directly to the page for that particular transaction. Scroll down to the bottom of the page and click on the "issue refund" link. You can do a full or partial refund and PayPal will refund the charge to you for that portion (full or partial) of the PayPal fee you paid as well as refunding to your customer.
I hope this helps.
Karen
|
gessiegail
Taft, TX
(Zone 9a)
December 21, 2008
04:57 PM Post #5915889
| Thank you!!! That makes me mad as they make it look like you have to check one of the boxes...goods, ebay, etc...
Issue Refund I have never seen...will look |
buggycrazy
Lebanon, OR
(Zone 7b)
December 21, 2008
10:47 PM Post #5917214
| "ISSUE REFUND" IS HIDDEN IN THE FINE PRINT AT THE BOTTOM OF THE PAGE WHEN YOU CLICK ON "DETAILS" FOR A PARTICULAR TRANSACTION.
PAYPAL CAN AND HAS YANKED THE MONEY OUT OF MY ACCOUNT WHEN THERE WAS A PROBLEM WITH A PAYMENT. IF YOU DO NOT HAVE THE MONEY IN YOUR PAYPAL ACCOUNT THEY WILL YANK IT OUT OF YOUR BANK ACCOUNT.
IT IS BEST TO HAVE A SEPARATE BANK ACCOUNT FOR PAYPAL THAT YOU DO NOT KEEP MUCH MONEY IN.
WAIT FOR ALL ECHECKS TO CLEAR, THEY HAVE BEEN A PROBLEM, ONLY ON FEEBAY, BUT NOW I WAIT FOR ALL TO CLEAR.
ONLY "PERSONAL" ACCOUNTS DO NOT CHARGE A FEE TO TAKE MONEY, BUT YOU HAVE TO HAVE THE PAYMENT SENT AS A "CASH ADVANCE", YOU CAN TAKE A FEW CARD PAYMENTS, BUT THEY CHARGE OVER 5% PER TRANSACTION. AND CUSTOMERS USUALLY CANNOT FIGURE OUT HOW TO SEND MONEY ANYWAY.
NEVER-EVER-EVER DIRECTLY ANSWER AN EMAIL SUPPOSEDLY FROM PAYPAL.
|
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 22, 2008
10:39 AM Post #5918261
| Gail,
I agree. Even though PayPal uses the "send money to family and friends for free" as a booster and advertisement for their services, they don't really explain well at all how to do it. I think Services/Other is also an option to send money without incurring a PP fee.
Check one your of your PayPal seller transactions for the "issue refund" feature just in case you might need it sometime. The refund box will open with the amount for a full refund. If you are not doing a full refund, just erase that amount and put in the correct amount. Click continue. There is one last step. If all looks well to you, click on "issue refund". You will get an e-mail notification that the refund has been processed.
Karen
|
gessiegail
Taft, TX
(Zone 9a)
December 22, 2008
11:03 AM Post #5918374
| thanks as I could never figure out Paypal. Now I know why I couldn't. Paypal hopes we never figure it out so as to not pay fees with every transaction. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 23, 2008
12:49 PM Post #5921893
| Gail,
Well, too bad for them, we did. LOL.
Karen
|
gessiegail
Taft, TX
(Zone 9a)
December 23, 2008
10:24 PM Post #5923565
| Feels pretty good , doesn't it, Karen!
Have a wonderful Christmas...
gail |
nanny_56
Putnam County, IN
(Zone 5b)
December 24, 2008
08:22 AM Post #5924318
| So g;ad I started this, seems it has been helpful to others besides me! |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 24, 2008
03:51 PM Post #5925459
| Gail,
You bet! Have a very Merry Christmas!!
nanny_56,
I'm glad you did, too. While PayPal isn't as difficult as it looks, it isn't especially intuitive either. Extra info is always a plus.
Karen
|
Turtlegaby
Decatur, AL
(Zone 8a)
December 27, 2008
05:46 PM Post #5933725
| glendalekid, your information is confusing and incorrect.
Paypal offers 3 different accounts.
Private accounts with which you can send and receive money for no charge at all. But those accounts cannot be used by a seller. They are only meant to be for private transactions between family and friends.
A seller has to sign up for a Premier or business account and will be charged for receiving money. 2.9% plus 30 cent per transaction.
A buyer never will get charged, no matter which payment method he uses. It is only the seller that pays. And it doesn't matter how the buyer paid, with CC, e-check or from existing funds. The seller fees will always be the same.
I hope that was not too confusing. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 28, 2008
09:26 PM Post #5937687
| Personal accounts are used to pay for purchases as well as sending money between family and friends. There is a way to receive money for purchases (sales) with a personal account, but it is very limited in the number of transactions per month and how the money is received. Right offhand, I don't remember the details but it's definitely not practical to use as a seller's account.
Premier and business accounts are for sellers to receive payments but can also be used to pay for items you purchase. This type of account can also be used to send money to family and friends for no charge. I have a Premier account on PayPal and have sent money to my daughter with no fee to either of us.
With either type of account when sending money, it depends on which option you choose to indicate the type of transaction whether or not there is a fee. If someone sends money to a friend but indicates that the transaction is paying for a purchase (goods or services), the sender will not be charged for sending the money but the recipient will be charged a PP fee.
I recently had a refund to process. The buyer protested that she would be charged a fee for the refund. I told her that was not so. When she returned the item, she sent me the paperwork from a "refund" that she received from another seller. The paperwork clearly showed that he had not done the refund correctly. Instead of going to the actual transaction and refunding the money, he had simply "sent" her money as if he was paying her for an eBay purchase. So, in doing the refund incorrectly, not only did he cause PP fees to be deducted from her refund, but he also did not get his own PP fees for the original payment refunded as they should have been.
Karen
. |
Turtlegaby
Decatur, AL
(Zone 8a)
December 29, 2008
09:35 AM Post #5939032
| "With either type of account when sending money, it depends on which option you choose to indicate the type of transaction whether or not there is a fee."
This is incorrect, please read the Paypal user agreements before you give people the wrong information.
With a personal account there is no charge, neither for the receipient, nor for the sender. A personal account cannot accept CC payments. If a CC payment comes in, the personal account will have to be upgraded to a premier account, which then gets charged for receiving money. The sender never pays, no matter with which account, only the recipient pays and only with a premier and a business account. It does not matter what type of transaction it is. As soon as you have a premier or business account, you will be charged for receiving money.
A seller who only has a personal account, cannot accept CC payments and if he uses a personal account for the purpose of receiving money from a sale, he is in violation with the paypal policies and the account can get suspended.
This all can be read in the Paypal policies and user agreements.
|
Syrumani
San Antonio, TX
(Zone 8b)
December 29, 2008
03:54 PM Post #5940463
| Copied from Paypal Help Center:
| Quoted: | I have a Personal PayPal account and received a credit/debit card payment for a website purchase. How can I accept the funds?
Question :
Answer :
The credit/debit card funded payment you receive will be in an accept/deny state. A Pending Payment link will be displayed on your Account Overview page. Clicking this link will take you through the accept/deny flow.
You will have the following options to choose from:
Accept and upgrade to a Premier account
Accept and keep your Personal account
Deny the payment
Personal accounts that accept credit or debit card payments are assessed a transaction fee. See our fee schedule for more information. Personal accounts have a limit on the number of credit or debit card funded payments received per year. To view your Personal account limit, log in to your account and click the View Limits link.
|
I have a personal account, and received a c.c. payment once . . . I was charged the fee to accept, and was notified on how many more c.c. payments I could receive before having no choice but to upgrade. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 30, 2008
02:58 PM Post #5944134
| Syrumani,
Thank you. That is exactly what I said. You can accept CC payments for a sale if you have only a personal account, but the number of times you can do it is extremely limited. I think the same rules may apply to e-checks as well, but I've not looked it up.
Turtlegaby,
This is correct: "With either type of account when sending money, it depends on which option you choose to indicate the type of transaction whether or not there is a fee."
With either type of account, if you log in directly to PayPal and click on the "send money" tab, you have choices as to what type of payment you are sending. If you choose "goods" or "ebay items", the recipient will be charged a PP fee for the transaction because these options are for purchases. If you choose "services/other", the recipient will not be charged a PP fee. The "services/other" choice is the one to use if you are not making a purchase but instead sending money to a family member, a friend or a non-profit organization, etc.
This question arose because gessiegail wanted to know how to send money to a friend but without the PP fee because the money was not for a purchase. At no time was anyone suggesting this as a method to subvert payment of proper fees to PayPal.
Karen
|
gessiegail
Taft, TX
(Zone 9a)
December 30, 2008
08:28 PM Post #5945317
| Karen and Syrumani, thanks so much for the extra information. I am learning slowly. |
phoebesviolets
Over the Rainbow--Oz, CT
(Zone 6a)
December 31, 2008
10:58 AM Post #5947248
| Thanks for the info! It is really difficult to sort all this out on one's own--not that I've had any significant problems. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
December 31, 2008
01:04 PM Post #5947767
| You're welcome. If you're just using PP for the occasional purchase, it's fairly straight forward. But other parts of PP are not that well explained -- at least I don't think so.
Karen |
nanny_56
Putnam County, IN
(Zone 5b)
January 17, 2009
07:20 PM Post #6017558
| Anybody still watching this...if I have my Pay Pal account linked to my bank account, do I need to move money into the Pay Pal acct. to pay for something???? Or is it deducted from the bank acct.??? |
gone2seed
Milton, FL
(Zone 8a)
January 17, 2009
09:26 PM Post #6017939
| It will be done automatically as needed. |
KayJones
Panama City Beach, FL
(Zone 8b)
June 01, 2009
04:11 PM Post #6627442
| I tried to pay for a plant from an individual, with my credit card, and it said I didn't have enough money in my account. I just want to use my credit card, not put money in an account - how do I accomplish that? |
dmj1218
west Houston, TX
(Zone 9a)
June 01, 2009
04:35 PM Post #6627543
| Go to PayPal page--click "send money" tab at the top and then follow the directions specifying credit card as payment source. The person you are paying should have been able to provide you with these directions. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
June 01, 2009
05:01 PM Post #6627626
| If you have more than one funding source in your PayPal account, e.g. a credit card and a bank account, there should be a drop-down menu for you to choose which one you want to use. If I remember correctly,your bank account is the default choice, so you will need to use the drop-down menu to get to the credit card.
Karen |
KayJones
Panama City Beach, FL
(Zone 8b)
June 01, 2009
06:39 PM Post #6628000
| I don't want to add a bank account - I just want to use my credit card - it won't let me do that. I guess I will just send cash. |
podster
Deep East Texas, TX
(Zone 8a)
June 01, 2009
06:46 PM Post #6628030
| KayJones ~ I wonder if the account that they are saying doesn't have enough money in it would be the account the sellers use and then can pay directly or transfer funds out of that paypal account. Otherwise, they would not have access to what moneys you have in your acccount! |
KayJones
Panama City Beach, FL
(Zone 8b)
June 01, 2009
06:49 PM Post #6628038
| I don't know what is wrong - I will try to call them tomorrow and see if they can help me. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
June 02, 2009
12:36 AM Post #6629503
| Kay,
I assumed that it was a bank account that didn't have enough money in it. Since that's not the case, then it should automatically charge your credit card as that's the only place to get the money from. Call and talk to them. It's not making sense.
Karen
|
ecrane3
Dublin, CA
(Zone 9a)
June 02, 2009
12:46 AM Post #6629526
| I could be wrong, but it sounds to me like you were in the area where you can send payments from money that you have built up in your Paypal account, that's the only account that Paypal would know right away if you had money in it or not. If it was trying to take $$ from your credit card or a bank account it wouldn't know right away whether you had enough money or not, that's why they like for you to have a backup account listed so if it turns out you don't have enough money in your bank account it'll charge it to your credit card instead. I've never paid for things that way so I'm not sure how to get from there to where you were supposed to be. |
