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Community => Watto's Junk Yard => Topic started by: Bob Crane on April 10, 2005, 09:47 AM

Title: PayPal
Post by: Bob Crane on April 10, 2005, 09:47 AM
Thereís a chap from Asia whoís put some toys for sale at another site I frequent. Heís got a couple of nice little items I want to purchaseÖ my hesitation lies in that heís a fairly new member, and not having dealt with him before Iím paranoid about sending him paypal. My question is: should I just use paypal credit, or should I use my credit card through paypal? Which is the better way to go in case the goods donít materialize and Iím left wanting a refund? I hope one of you fine gents can guide me on the wise choice, thanks!
Title: Re: A question about Paypal & Visa
Post by: Matt_Fury on April 10, 2005, 12:06 PM
Paypal is pretty safe to use, and from what I've heard, very good at getting refunds if you end up dealing with a bad seller.

So whichever you decide to use, I'm sure you're covered.
Title: Re: A question about Paypal & Visa
Post by: JesseVader08 on April 12, 2005, 02:41 AM
I may be a little late for this answer, but my thinking would be to go with a credit card through PayPal.  That way, if things go sour and PayPal gives you any grief, you can go directly to your credit card company and cancel the authorization.

Good luck!
Title: Re: A question about Paypal & Visa
Post by: JediMAC on April 12, 2005, 02:49 AM
Who's the member, Bob?  Some of us may actually know him here and could give you some further insight on the guy.  A lot of us buy stuff out of Asia...

But yeah, I'll reiterate what Matt and Jesse said, just use your credit card through Paypal.  That way you're covered twice.  If Paypal won't refund it, your credit card company probably will.  Only problem with Asian stuff is that occasionally it can take a while to make it's way over here, and you only have 30 days to file a Paypal complaint.

I've gotten a nice Paypal refund before, but I know others who haven't been quite as fortunate.  I guess it can go either way.  So using the CC is a good back up plan.  Good luck!
Title: Re: A question about Paypal & Visa
Post by: Morgbug on April 12, 2005, 01:14 PM
You only have 30 days from the time of purchase to request a paypal refund.  Fairly important that can be. ;)
Title: Re: A question about Paypal & Visa
Post by: Bob Crane on April 16, 2005, 11:43 AM

 Thanks for your help. Unfortunately the deal didnít materialize, it was for a 70ís chogokin, the initial pictures made it look as if it was in tip-top condition, after requesting closer shots and a better descriptions it turned out to be not such a hot dealÖ probably fair but Iíd rather overspend on a nice item than settle for something Iíd want to upgrade later. Iíll heed your advice and use the c.c. should this scenario repeat itself, thanks again.
Title: Re: A question about Paypal & Visa
Post by: Matt_Fury on April 16, 2005, 12:01 PM
Sorry to hear about that Bob.  I've found that patience is definitely a virtue when it comes to collecting.

But I do want that Red Guard NOW!   ;D
Title: PayPal
Post by: Logray2776 on March 5, 2006, 09:15 PM
Hello everyone,


 I have a question for anyone who might know. I just signed up with paypal, to purchase an item off of ebay, I was wondering since i used my bank account for the transaction i shouldnt get screwed should i? This is my first time using this and would like some feedback on this subject.


                                                                  Much appreciated,

                                                                       Claude
Title: Re: PayPal
Post by: ruiner on March 6, 2006, 02:20 PM
IMO, there's no such thing as 100% guaranteed protection.

I'm sure their security is tight, but I 've heard stories of people having their account info stolen - in fact, I believe a member of the boards had that happen...

Just remember to log out after you've completed a transaction and change your password periodically - as well, be wary of emails you get from paypal asking you for your user name and password.  It's not very often ebay and paypal will send you an email unless it's an invoice or receipt.

Fake ones have been sent to me, and they are well done - difficult to tell if they are real or not.

Title: Re: PayPal
Post by: Ook on March 6, 2006, 06:50 PM
Fake ones have been sent to me, and they are well done - difficult to tell if they are real or not.

Just remember to never, under ANY circumstances, enter your password or any other info into an e-mail you receive. In fact, never click a link in an e-mail whether it actually came from PayPal or not. Just open a new browser and type https://www.paypal.com and go from there.
Title: Re: PayPal
Post by: Logray2776 on March 6, 2006, 11:20 PM
Thanks for the info, and yes i have already changed a few things like you suggested.



Once again, thanks for the info guys, it is much appreciated.




Claude
Title: Re: PayPal
Post by: name on March 7, 2006, 03:50 PM
Fake ones have been sent to me, and they are well done - difficult to tell if they are real or not.

Just remember to never, under ANY circumstances, enter your password or any other info into an e-mail you receive. In fact, never click a link in an e-mail whether it actually came from PayPal or not. Just open a new browser and type https://www.paypal.com and go from there.

If Paypal or Ebay emails you, they will always use your username in the salutation (Dear Llamalover as opposed to Dear Paypal User:)

You can also check by running your mouse over the link, it will usually provide the actual URL that it links to.  If it doesnt say Paypal as the server, it aint the real deal.   

But Ook's advice is the most solid.  Just don't link from ANY email about your paypal or ebay account.  If there's a message sent, go to a new browser and log in from the direct address on a secure screen.
Title: PayPal Question
Post by: JesseVader08 on June 16, 2009, 03:14 AM
Does anyone know if I send funds from my CDN PayPal account to a US PayPal account via a straight transfer (ie. NOT a credit or debit card), will the receiver be charged a conversion fee?  I've tried searching through PayPal's "help" section but can't quite find what I'm looking for.

Any help is greatly appreciated!
Title: Re: PayPal Question
Post by: BillCable on June 16, 2009, 08:54 AM
I can't say for certain, but what do you think the chances are they'd let you do that for free?
Title: Re: PayPal
Post by: Master_Phruby on June 16, 2009, 10:51 AM
Approximately, 3721 to 1.
Title: Re: PayPal
Post by: Angry Ewok on June 16, 2009, 11:13 AM
Approximately, 3721 to 1.
Never tell me the odds!  >:(
Title: Re: PayPal Question
Post by: stormie on June 16, 2009, 11:58 AM
Does anyone know if I send funds from my CDN PayPal account to a US PayPal account via a straight transfer (ie. NOT a credit or debit card), will the receiver be charged a conversion fee?  I've tried searching through PayPal's "help" section but can't quite find what I'm looking for.

Any help is greatly appreciated!

Jesse, PayPal charges 3.9% + U.S.$0.30 for all international transfers, including from Canada to the United States. To double check, I reviewed my PayPal transactions and the last one I had from Canada for a total of U.S.$50, subtracted $2.25 in fees, which is equal to 3.9% + U.S.$0.30. This wasn't a credit card transfer, either.

I hope that's what you're asking about.  :)
Title: Re: PayPal Question
Post by: Rob on June 16, 2009, 12:50 PM
Does anyone know if I send funds from my CDN PayPal account to a US PayPal account via a straight transfer (ie. NOT a credit or debit card), will the receiver be charged a conversion fee?  I've tried searching through PayPal's "help" section but can't quite find what I'm looking for.

Any help is greatly appreciated!

What do you mean conversion fee?  I've sent funds to other countries and have not been charged to change from one currency to another.  They do however still take their standard cut from the recipient of the money.
Title: Re: PayPal
Post by: DSJô on June 16, 2009, 01:10 PM
Transaction Fees for Cross-Border Payments - United States Fees for receiving payments from buyers outside the United States (https://www.paypal.com/cgi-bin/webscr?cmd=_display-xborder-fees-outside&countries=)

There is the option to pay the fees so the recipient gets the full amount. "Gift" payments are found on the usual send payment page, you choose the "Personal" option rather than the "Purchase" option. Tho I have never tried it.  :-\

I have my account set for US & Canadian funds, the primary being US. If I have CDN funds I can transfer those funds to the US account & they just show me the conversion rate like a bank. Nothing more.
Title: Re: PayPal Question
Post by: Morgbug on June 16, 2009, 01:13 PM
Does anyone know if I send funds from my CDN PayPal account to a US PayPal account via a straight transfer (ie. NOT a credit or debit card), will the receiver be charged a conversion fee?  I've tried searching through PayPal's "help" section but can't quite find what I'm looking for.

Any help is greatly appreciated!

Yes they will. 

It is not widely advertised and about a year ago it didn't happen.  As I have a shipping address in the states I usually don't get asked about being Canadian but earlier this year I did receive a question from a seller.  He was charged a conversion fee on a straight transfer from Canadian to US funds.  The seller I dealt with was very reasonable about it, he just wanted to be sure that paypal wasn't scamming him for money they weren't entitled to (that's a different argument altogether).  So yes is the answer. 

What Jesse is refering to is an additional fee levied upon the seller in addition to those standard paypal charges and international transfers.  Paypal converts the funds into the native currency of the recipient seemingly in the US directly.  My account has both US and Canadian funds in it.  If Jesse converts the funds in his account to US dollars, the recipient obviously won't receive the conversion charge though they'll still get hit with standard fees and the international transfer fee. 

Whee.
Title: Re: PayPal
Post by: JesseVader08 on June 16, 2009, 05:55 PM
Thanks for the great info guys.  My account is set up for CDN and US funds as well, so I'll be sure to convert it to US$ to avoid the seller being dinged for conversion fees.  But it looks like there's no way to avoid the (US) seller from being charged an international transaction fee (since I'm Canadian), even if it's a direct (non-credit) transfer.  That sucks.

I used to have a better grasp of all the fees but it seems to keep getting more complicated.  :-\
Title: Re: PayPal
Post by: Chris on June 16, 2009, 11:05 PM
Paypal is **** anymore.
Title: Re: PayPal
Post by: Morgbug on June 16, 2009, 11:47 PM
I used to have a better grasp of all the fees but it seems to keep getting more complicated.  :-\

Not complicated, just more ($).
Title: Re: PayPal
Post by: AndyG on June 17, 2009, 02:53 AM
My account is set up for CDN and US funds as well, so I'll be sure to convert it to US$ to avoid the seller being dinged for conversion fees.  But it looks like there's no way to avoid the (US) seller from being charged an international transaction fee (since I'm Canadian), even if it's a direct (non-credit) transfer. 

My account is set up for GBP £. I've sent 3 payments for $100+ as a gift in the last 6 months. None of the sellers incurred any fees as that was a condition of the sale.

As long as you send the money in the correct currency and as a gift the receiver of the money shouldn't incur any fees (and hasn't in the international transactions I've been involved with). You pick up all the fees with the crappy currency exchange rate and by using gift you get the option to pay the fees before sending the money. If you use gift then you pay less fees if you use balance or bank transfer, using a credit card results in substantially more fees.
Title: Re: PayPal
Post by: JesseVader08 on June 17, 2009, 03:42 AM
Good to know, thanks Andy.  :)