Paypal vs Credit Card

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DarkBlood

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Hello good people. I am actually curious when it comes to Paypal vs using your credit card on other (secure) gateways and wanted to see if everyone else feels the same way about using Paypal over cards like I do.
 
I'm with you on this one.

Wherever possible I will use my PP account because your PP account is password protected.
If someone gets hold of your credit card details they can do some damage straight away.
You have some protection from the banks if this happens.
BUT if your product you bought is not 100% you have more options if you used PP though.
 
substance said:
I'm with you on this one.
Wherever possible I will use my PP account because your PP account is password protected.
If someone gets hold of your credit card details they can do some damage straight away.
You have some protection from the banks if this happens.
BUT if your product you bought is not 100% you have more options if you used PP though.
Click to expand...

What other options do you have that is not on the credit card ?

Use a credit card if at all possible, you have zero protection on paypal.
 
biena said:
Use a credit card if at all possible, you have zero protection on paypal.
Click to expand...

Why do you say "you have zero protection on paypal"? What's the difference between someone hacking netflorist.co.za and someone hacking Paypal to get your credit card details (if fraud is what concerns you)?
 
I've never used PayPal and probably never will. My preferred payment option though is google checkout.
 
"What other options do you have that is not on the credit card ?"

Buyer protection: Item not received, item not as described
 
substance said:
"What other options do you have that is not on the credit card ?"

Buyer protection: Item not received, item not as described
Click to expand...

uuum, the exact same protection is available for your CC. From personal experience, I bought 2 phones a while back on ebay. paid for them, recevied them, to find that both were faulty. Contacted the seller, returned the phones, and eventually received them back (one new, one old). The old one was still FUBAR, and the new one I could not unlock, so I shipped them back. After this whole issue, the seller tells me that the phones were damaged in transit, and that he is not refunding me.

I contact ebay only to be told that it is past their 45 day limit and they cant do anything (this was all occurring approximately 2.5 months after the initial purchase). I contact paypal, and they also tell me they cant do anything. Eventually I decide to give card division a call. I fill out one form, and about a month and a half later, I have the funds in my credit card, and a request to provide proof that I returned the items as the seller (through PayPal) is disputing the chargeback. I provide them with the proof of return, and that is where it ended.

All the same protection is available through your card division.
 
mic_y said:
uuum, the exact same protection is available for your CC. From personal experience, I bought 2 phones a while back on ebay. paid for them, recevied them, to find that both were faulty. Contacted the seller, returned the phones, and eventually received them back (one new, one old). The old one was still FUBAR, and the new one I could not unlock, so I shipped them back. After this whole issue, the seller tells me that the phones were damaged in transit, and that he is not refunding me.

I contact ebay only to be told that it is past their 45 day limit and they cant do anything (this was all occurring approximately 2.5 months after the initial purchase). I contact paypal, and they also tell me they cant do anything. Eventually I decide to give card division a call. I fill out one form, and about a month and a half later, I have the funds in my credit card, and a request to provide proof that I returned the items as the seller (through PayPal) is disputing the chargeback. I provide them with the proof of return, and that is where it ended.

All the same protection is available through your card division.
Click to expand...

If one does not bank with FNB, then this is the best advice to follow. Only wish i had done this instead of acting in good faith. The vendor did the exct same thing. He said the goods were dammaged when i could eventually get him to admit he had received delivery. It took 4 weeks to reach The City and if he was being truthful, it took another 6 weeks to travel the last 19 miles from City to a suburb outside the city where he was located. So now for USD80 i face criminal charges for contravening the exchange control regulations if i don't withdraw the refund i eventually got out of a vendor on eBay after 14 month long struggle. This while i read the following announcements:

http://www.globalforeignexchange.co.za/exchange.html

However, i refuse to be bullied into having to do as they say through the channels of third and fouth entities as i'm told i must, because i believe that would spell the end of all hope of free enterprise for all South Africans citizens. So while the rich and elite can do with a million rand what they want and i struggle to either be able to spend, or get my refund that presently sits in my Paypal account refund, refunded to my Credit card, i cannot do anything but fight the powers that be for equality and Economic freedom for all.

For those who are interested i have a rather much longer story over here:

http://forums.ebay.com/db2/topic/Paypal/Paypal-Worlds-First/5200085547

For more courage and strength i look at this often:

http://www.youtube.com/watch?v=jA6Zbt-cr1k


So yes, come and get me dogs!
 
biena said:
Use a credit card if at all possible, you have zero protection on paypal.
Click to expand...

Lies - with eBay paypal, if your item doesn't arrive, or sucks, you get refunded with paypal.
 
Lies - with eBay paypal, if your item doesn't arrive, or sucks, you get refunded with paypal.
Click to expand...

For someone with nearly 20,000 posts, i can imagine how much you know from reading here Keeper. Also,
i can imagine how much weight that might cary with subscribers, especially with a username like yours.

Anyway, it's most definitely not a lie for the majority of South Africans, or rather, let's say the average South
Afircan who might purchase from eBay. i'll explain why and even include some things people perhaps
would not want to know, or already do, but first, pray tell us Keeper, when did you actually receive a refund
from PayPal, because i'd definitely like to hear the full story. Or were you just out looking for prey?

PayPal is just eBay's little ofshore set-up in Singapore, put there to handle eBay's transactions and is
governed by the laws of Singapore. The store front, or eBay itself is in California and by that law, they
opperate. Possibly Gotpaid is the same sort of offshore thing? Certainly looks like they are selling franchises
for these things everywhere now. What with banking transactions being "products" and all. There's even an
eBay dot coza too. Perhaps you are talking about something for people somewhere in the future? Hopefully
that dot coza will sort out the vendors who are prepared to deal with South Africans, from those who simply
won't and make things easier for us, but i can't see it doing so without additional costs to both the buyers
and sellers. Franchising is a scheme for leeching leach plants. i don't really give a sh.., where Gotpaid
opperates from, but i most definitely won't be going that route. So from my present, current, ongoing,
nightmarish experice, unless by some extroadinary chance and for which i couldn't even dream of at
this point in time, unless there was some possesion, or thing i really wanted and was burning to have and
i couldn't find anywhere else in the entire world, i would definitely think twice about going through PayPal
again.

PayPal are not licenced bankers and they are merely licenced as a money transmitter. There is really no
debate here, but thanks op for the opportunity to state my case.

While there are people who don't realy care wether, or not, the shipping costs are extreme, they just want
that new gadget to show off and they want it like yesterday and because most eBay vendors (at least 95%
of them, from what i've seen) only accept PayPal payments, (all eBay vendors stiil have to offer PayPal
to conclude a sale, but some who are set up for it, can accept Credit cards too). That's why PayPal was
set-up in the first place, so that everyone who buys from eBay is practically....... no sorry... just plain
damned forced to open an account with PayPal.

How very ingenious!

http://en.wikipedia.org/wiki/Elon_Musk

Up the Bokke! A similar sense of pride as what i got to when the Bokke won the world cup. First read that
ages ago and it may have been around the same time as that last win, if i remember correctly. It was an
almost equal feeling though, but now i think of a gilt edged invitation Elon may have received to join the ranks
of the Illuminati, it dissipates..... ;)
...... but then i think about Elon right at the forefront of alternative energy and so the feeling almost comes
rushing back again.

Anyway, now that that little rant is out of the way a little offshore haven, is where people like, "Hardeep, create
the biggest seen temple in the sea". You can Google what's between the quotations for a laugh, if you like.

Fly Me To The Moon.....
tra, la, la, la, la, lahhhhhh

Some say Sinatra, (who made that song famous once upon a time), got famous by having hundreds of chicks
paid to scream for him.... but now there's Youtube.... and i think to myself, what a wonderful world....prrrrt....
and how much BS we are actually grain fed in it every day from the media. While the grass may be so much
greener, somewhere else.... but not from what i've heard and from the ex-pats i know, people would still prefer
to be here. So why is it these people are no longer within our ranks? Could it be because of a whole lot of
murdering ********s included in running the joint and when they aren't they're running the wide open race
for it?

Then, if that isn't enough, you know that little green background that makes everyone feel safe doing Internet
transactions? Well it's because of the rainbow flag too, (which started out as a great emblem and still has it's
moments, but that can suddenly mean nothing when anyone with a pair of brown boots and khaki trousers can
be filmed, or photographed from the knee down, burning and stomping on it and leading people to believe that
was done by someone else, in order to incite people for their own political agenda's..... i mean come on, who
are they really trying to kid here, from the knee down, but the grain fed ignorant masses! Unfortunately we
now have to import a lot of that grain too!

http://en.wikipedia.org/wiki/Mark_Shuttleworth

.... and yes, i learned these facts from right here on this forum years ago and i thank it for that and a lot of
other good information. Mybroadband rocks! Simply haven't had that many issues that affected me badly
enough to want to blab about them on an open forum, for some years, so i guess i'm bubbling over at the
moment like a gusher, but it's a very important issue that effects our freedom and in some cases peoples
livelyhood this and given the right thought and input and freedom, it can help create a better future for
everyone. So i hope i'm making some contribution to this thread and not simply hijacking it for a certain
goal, like surpasing a big figure in one line posts that simply make no contribution to man, or beast.

Unless one is prepared to pay any price for something from eBay.... then mostly, quick shipping will
quickly double the price too. Jacks, or better..... are your chipps in? Well in that case deal! Many
vendors will only ship it fast too, because tracking it is so much better and they can keep all their ducks
in a row, but that's another fight for another day.

It's hard to find items for most South Africans who buy on eBay in the first place. Buyers have to be patient
and do extensive searches and be prepaired to have many dissapointments, because for the most part
International online store vendors, such as those on eBay, do not include South Africa in their "Worldwide"
shipping list and so we find ourselves mostly in the "Countries Excluded" list where vendors offer
"Worldwide - See Exclusions" shipping. We're usually proped and propped right alongside notorious
419 scamming Countries and the Countries who are constantly engaged in Civil war. It's at these times,
when pride in ones Country, is quickly drawn out and away from you and frizzles up. Further to that,
we find that the monopolistic clutches of big business called "stakeholders", manipulate SARS and
Customs to introduce stricter controls, taxes and levies upon Postal items, or the postage policies,
regulations and laws, to the benefit of the elite alone, so as to supress competition from micro and
small businesses. SARS and Customs have things down to a fine art and can monitor every taxpayers
International transactions. The systems with which to do this are even financed by the "stakeholders".
666 is here! Big Brother is watching you! So don't f#@$ up dudes!

i'm sure most people who purchase stuff on eBay look to those sellers who are prepared to ship at lower
(and therefore slower) rates. While everything called shipping flies from the US, (oxymoron there) and there
is no International surface mail whatsover, (except within the very vast North American Continent itself -
where most of that is done by rail) the lower rate shipping falls to the back of the que at airports of
departure. Very often combined with hold-ups at our own Customs, together with postal, airline and
other strikes, these take a toll on delivery too, but even without them, very often, delivery can only be
effected more than 45 days from date of purchase, or with only a few days to spare. Paypal will only
entertain claims made within 45 days of purchase!!!!!!!!!!!!!

Excuse the emphasis!!!!!!!!!!!!!!!, but that is my personal experience. eBay Rocks! The folks there are
much more helpful and that's why i posted there. So if you want anything done then eBay is the best
place to turn to for help PayPal Singapore, hasn't got a clue and expect one to telephone them at
our international call rates, (which incidently are 200% more than the average out of 15 selected
Countries - a rediculous suggestion to someone with a small claim, but that is the type of response
you will get from Singapore - it's much better here at the local PayPal, but before they will
help you you have to go and FICA for them first) in which case and in a great many accounts that
simply means "zero", because i've done FICA four times in the last 2 years and i'm not about to
change my bank and go through all the hassle for one single refund transaction. i've been there
physically at the FNB bank with all my documentation and they didn't even have the foggiest about
Gotpaid. They said i had to open a cheque account. i'm mad, but i'm not nuts!

So yes, technically speaking it can be a lie that Paypal don't offer protection, but practically speaking
it's the gods honest truth. In fact you are calling mic_y and me a liars now and an apology would
be in order. It would definitely help you achieve your goals **wink, wink **.
 
LOL,
Are you firing all that off at ME, simply because I said paypal offers refunds? whew..
Are you asking me to apologize to you, because suddenly i'm calling you a liar? where?



let me get this straight... (between all the ranting and singing and craziness, these are the "points" I got)

1) You are mad because you are forced to open a Paypal account.
....hmmm... really? who put the gun to your head?

2) Quick shipping is expensive
Okay...? So are holiday cruises across the Atlantic. nobody is forcing you.
...does that have anything to do with Paypal though?

3) You are mad because South Africa might be seen as a 3rd world and another African country to the average American selling something.
Would you ship anything to the Congo? Nigeria or Zimbabwe? thought so.
99% of sellers are happy to ship to my address If I just send them a short message.
...does that have anything to do with Paypal though?

4) You are mad that customs want a tax when you import from abroad.
Welcome to Earth.
...does that have anything to do with Paypal though?

5) You are mad because "Big brother" is here
Aren't we all.
...does that have anything to do with Paypal though?

6) You are mad because you are expected to pay international rates when calling to Singapore
How awful that you had to pay international call rates for an international call!
...does that have anything to do with Paypal though?

7) You are mad because you were requested to FICA four times
Well that sucks.
...does that have anything to do with Paypal though?

8) You are mad that your bank does not offer Paypal services, and you don't want an FNB account.
That's like being mad at McDonalds for offering apple pies, when you only buy from Steers.
...is it Paypal's fault that your bank does not offer Paypal services?

9) You are mad because the banker at FNB doesn't know about "Gotpaid"
And what is "Gotpaid"? I've never heard of it?
...does that have anything to do with Paypal though?



So out of all of that, All i got was:
eBay uses paypal, shipping is expensive, American sellers think South Africa is Africa, Customs Tax us on Imports, International Calls are expensive, Your bank doesn't offer Paypal Services, and people don't know what this amazing thing called "Gotpaid" is?

Is that about it? is that what you are mad about? :confused:
 
I've also had the experience of a seller dragging out resolving non-delivery until the maximum dispute period had elapsed. My fault for not paying full attention to how much time had passed. In that case I recovered the money through submitting a credit card dispute. And it's definitely the case that Paypal is secretive and badly in need of regulation/scrutiny in regard to some of their practices. But one thing I've not once had a problem with is getting a refund directly from them if the dispute is initiated within their window period. And the money always goes straight back to my credit card, not into my Paypal account.
 
I purchased a bluray player on Ebay a few years ago. Shortly afterwards the highly rated seller disappeared.
I never got all my cash back, but Paypal did refund 50%.
 
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