Re: OT - Dumb PayPal Question
This I really love about PayPal, when they want you to verify your bank account so you can sign up, they make two small deposits that miraculously appear in your bank account overnight. However, when you move PayPal funds to your bank account it takes 3-4 days...hmm Norm From: Tom C [EMAIL PROTECTED] My *PayPal* account balance is now in negative territory and according to them it will be credited within 3-4 business days. I still owe the money to the seller.
Re: OT - Dumb PayPal Question
On Wed, Apr 26, 2006 at 10:23:21PM -0500, Bob Sullivan wrote: After $2,000 in credit card purchases, they want you to register a bank account. Listening to other people's comments about bad transactions, I don't use Paypal any more. Me too. They aren't getting access to my bank accounts - period. I've still got a little buffer left on that $2,000 limit, so I still occasionally use PayPal if a seller absolutely insists. But that's becuse I'm pretty confident that my credit card company will help out if it comes to a dispute with PayPal. I don't trust my bank that much, though (especially after the most recent round of idiocies).
Re: OT - Dumb PayPal Question
John, The credit card company is not really on your side. Your bank is, I think, because of banking laws. You don't want to test the system, like when the bank transfered $5,348 to a Frenchman for me, instead of the $53.48 I had requested. It took 10 days to refresh my account!!! Regards, Bob S. On 4/27/06, John Francis [EMAIL PROTECTED] wrote: On Wed, Apr 26, 2006 at 10:23:21PM -0500, Bob Sullivan wrote: After $2,000 in credit card purchases, they want you to register a bank account. Listening to other people's comments about bad transactions, I don't use Paypal any more. Me too. They aren't getting access to my bank accounts - period. I've still got a little buffer left on that $2,000 limit, so I still occasionally use PayPal if a seller absolutely insists. But that's becuse I'm pretty confident that my credit card company will help out if it comes to a dispute with PayPal. I don't trust my bank that much, though (especially after the most recent round of idiocies).
Re: OT - Dumb PayPal Question
Boris, Small purchases (under $75US), I use cash - Euros or Pounds. Larger amounts will be a US Postal Money order in their currency. Bank transfers are possible, complicated, and cost me $20+ each. I avoid using these. Regards, Bob S. On 4/26/06, Boris Liberman [EMAIL PROTECTED] wrote: Hi! After $2,000 in credit card purchases, they want you to register a bank account. Listening to other people's comments about bad transactions, I don't use Paypal any more. The scam is for the buyer to pay with paypal then claim a defect to ebay and get a refund... from paypal. Not a good idea to have somebody who can debit your account. Regards, Bob Bob, what do you use instead of PayPal if you have to send funds abroad, especially to Europe? Boris
Re: OT - Dumb PayPal Question
I use a credit card exclusively (through the Are you sure process), unless the seller demands a non-credit card transaction. But I keep a separate cheapo bank account at a different bank with a small amount of money in it just to keep it active. I transfer money in and out as needed. Unca Mikey wrote: Not a direct answer to your question, but I would never use my bank account to pay for anything via PayPal. I always use a credit card, since it is much safer -- PayPal makes you go through a couple of extra silly steps (Are you *sure* you want to use a credit card?) but it's pretty easy. And when I receive money, I move it from PayPal to my bank account immediately. I never let money sit in the PayPal account. *UncaMikey -- Someone handed me a picture and said, This is a picture of me when I was younger. Every picture of you is when you were younger. ...Here's a picture of me when I'm older. Where'd you get that camera man? - Mitch Hedberg
RE: OT - Dumb PayPal Question
Not a direct answer to your question, but I would never use my bank account to pay for anything via PayPal. I always use a credit card, since it is much safer -- PayPal makes you go through a couple of extra silly steps (Are you *sure* you want to use a credit card?) but it's pretty easy. And when I receive money, I move it from PayPal to my bank account immediately. I never let money sit in the PayPal account. *UncaMikey
Re: OT - Dumb PayPal Question
I dunno. It's all too complicated for me to bother figuring out. When I pay for stuff with PayPal.com, I pay with my credit card as a funding source. That way, if there's a problem, I have the credit card issuer to back me up in the settlement of any dispute, including any screw-ups by Paypal.com. And particularly if there's any fraud involved, I am not liable for any claimed proven fraudulent postings with my card... part of my card's service package is fraud protection. Godfrey On Apr 26, 2006, at 4:43 PM, Tom C wrote: I had a PayPal transaction go awry today. Over the weekend I made an eBay purchase using BuyitNow and then immediately paid. PayPal transferred the funds to the seller's account that day. Today, when the transaction hit my bank, it erroneously rejected the transaction even though there are sufficient funds. PayPal then attempted to use my VISA backup funding source, but the one on file had expired, and so the charge was denied. The seller subsequently received an e-mail from PayPal indicating that I had used unauthorized funds (Filthy Liars) to pay for the purchase and that the money was being debited from his account. Naturally the seller is inquiring as to what's going on as he has shipped the item. My *PayPal* account balance is now in negative territory and according to them it will be credited within 3-4 business days. I still owe the money to the seller. I had two 10-minute phone calls with PayPal and both customer service agents could not understand plain English, nor could I find a plain and clear answer after searching the PayPal site for the same length of time. The question is (and I think I know the answer): When I *add funds* to my *PayPal* account, is the money transferred (debited) from my bank balance at that time and held in abeyance by PayPal just waiting for me to make a purchase, or am I merely *authorizing* PayPal to allow purchases up to that amount? It's been a long time since I originally set up my account, so I really can't understand why I need to add funds to begin with, but I assume the latter, that I am merely authorizing the use of funds, not transferring them. Tom C.
Re: OT - Dumb PayPal Question
In a message dated 4/26/2006 5:23:20 PM Pacific Daylight Time, [EMAIL PROTECTED] writes: Not a direct answer to your question, but I would never use my bank account to pay for anything via PayPal. I always use a credit card, since it is much safer -- PayPal makes you go through a couple of extra silly steps (Are you *sure* you want to use a credit card?) but it's pretty easy. And when I receive money, I move it from PayPal to my bank account immediately. I never let money sit in the PayPal account. *UncaMikey I do it exactly the way he does. Seems to save grief. I don't know the answer to the original question either, but I suspect the transfer has not yet actually taken place. Marnie aka Doe
Re: OT - Dumb PayPal Question
Yes, I have found to my sorrow that PayPal will not even let you use a credit card if you have funds in your account. While my Visa Check card takes the money out of my checking account just as PayPal prefers to do it does give me an extra layer of protection if the transaction is in anyway doubtful. Unfortunately if you are setup to receive funds, PayPal has a connection to your bank account. I have heard that some folks keep two PayPal accounts: one to receive funds that is connected to their bank, and another that is only connected to their credit card for buying things with. My level of funds does not seem to make that a worth while thing for me to do, but those who have real credit cards and significant funds in their bank account may find the too be the best way to do things. graywolf http://www.graywolfphoto.com http://webpages.charter.net/graywolf Idiot Proof == Expert Proof --- Unca Mikey wrote: Not a direct answer to your question, but I would never use my bank account to pay for anything via PayPal. I always use a credit card, since it is much safer -- PayPal makes you go through a couple of extra silly steps (Are you *sure* you want to use a credit card?) but it's pretty easy. And when I receive money, I move it from PayPal to my bank account immediately. I never let money sit in the PayPal account. *UncaMikey
Re: OT - Dumb PayPal Question
On Apr 26, 2006, at 6:03 PM, graywolf wrote: Yes, I have found to my sorrow that PayPal will not even let you use a credit card if you have funds in your account. That's not correct. You have to hit the option for more funding services and add a credit card for purpose of funding payments. It's twisty because they want you to use your Paypal.com funds, or direct banking funds, but the option is there and can be used. I've done this many times with Paypal having standing funds, although I generally try not to keep money in Paypal.com's hands too long. Godfrey
Re: OT - Dumb PayPal Question
After $2,000 in credit card purchases, they want you to register a bank account. Listening to other people's comments about bad transactions, I don't use Paypal any more. The scam is for the buyer to pay with paypal then claim a defect to ebay and get a refund... from paypal. Not a good idea to have somebody who can debit your account. Regards, Bob S. On 4/26/06, Godfrey DiGiorgi [EMAIL PROTECTED] wrote: On Apr 26, 2006, at 6:03 PM, graywolf wrote: Yes, I have found to my sorrow that PayPal will not even let you use a credit card if you have funds in your account. That's not correct. You have to hit the option for more funding services and add a credit card for purpose of funding payments. It's twisty because they want you to use your Paypal.com funds, or direct banking funds, but the option is there and can be used. I've done this many times with Paypal having standing funds, although I generally try not to keep money in Paypal.com's hands too long. Godfrey
Re: OT - Dumb PayPal Question
Hi! After $2,000 in credit card purchases, they want you to register a bank account. Listening to other people's comments about bad transactions, I don't use Paypal any more. The scam is for the buyer to pay with paypal then claim a defect to ebay and get a refund... from paypal. Not a good idea to have somebody who can debit your account. Regards, Bob Bob, what do you use instead of PayPal if you have to send funds abroad, especially to Europe? Boris
Re: OT - Dumb PayPal Question
I have no idea if what you say is true now. It wasn't six months ago. I had quite a fight with PayPal over that, which I lost. If you had sufficient funds in your PayPal account the Credit card option was blanked out, however you could still select to have the funds taken directly from your bank account. I only discovered that after I had committed to buy on an eBay auction. Now I know better. In another way they lost, because they can no longer collect interest on my money sitting in their account. graywolf http://www.graywolfphoto.com http://webpages.charter.net/graywolf Idiot Proof == Expert Proof --- Godfrey DiGiorgi wrote: On Apr 26, 2006, at 6:03 PM, graywolf wrote: Yes, I have found to my sorrow that PayPal will not even let you use a credit card if you have funds in your account. That's not correct. You have to hit the option for more funding services and add a credit card for purpose of funding payments. It's twisty because they want you to use your Paypal.com funds, or direct banking funds, but the option is there and can be used. I've done this many times with Paypal having standing funds, although I generally try not to keep money in Paypal.com's hands too long. Godfrey --No virus found in this incoming message. Checked by AVG Free Edition. Version: 7.1.385 / Virus Database: 268.4.6/324 - Release Date: 4/25/2006
Re: OT - Dumb PayPal Question
My experience is the same as Godfrey's. I've often chosen to use the credit card option even though I have a bank account linked to Pay Pal. Maybe Pay Pal Australia is different, but the option has always been available here (well - for as long as I've been using Pal Pay for payments, anyway). Cheers, Brian + Brian Walters Western Sydney, Australia -- Quoting graywolf [EMAIL PROTECTED]: I have no idea if what you say is true now. It wasn't six months ago. I had quite a fight with PayPal over that, which I lost. If you had sufficient funds in your PayPal account the Credit card option was blanked out, however you could still select to have the funds taken directly from your bank account. I only discovered that after I had committed to buy on an eBay auction. Now I know better. In another way they lost, because they can no longer collect interest on my money sitting in their account. graywolf http://www.graywolfphoto.com http://webpages.charter.net/graywolf Idiot Proof == Expert Proof --- Godfrey DiGiorgi wrote: On Apr 26, 2006, at 6:03 PM, graywolf wrote: Yes, I have found to my sorrow that PayPal will not even let you use a credit card if you have funds in your account. That's not correct. You have to hit the option for more funding services and add a credit card for purpose of funding payments. It's twisty because they want you to use your Paypal.com funds, or direct banking funds, but the option is there and can be used. I've done this many times with Paypal having standing funds, although I generally try not to keep money in Paypal.com's hands too long. Godfrey --No virus found in this incoming message. Checked by AVG Free Edition. Version: 7.1.385 / Virus Database: 268.4.6/324 - Release Date: 4/25/2006
