posted on March 3, 2007 04:51:57 AM new
Did I miss it when PayPal decided that non-paypal credit cards can only be used to buy things if you do not have a balance in your paypal account?
Since I had a larger balance than the cost of the item I was buying, Paypal would simply not allow me the option of credit card, no-way, no-how. Finally got tired of wading through their "help", and just withdrew some money, then, magically, the credit card option appears as back-up funding source. But still, it wants to split the payment, i.e., use available PP balance, and put the rest on credit card.
I could simple sweep my balance before making a purchase, but there must be a workaround.
posted on March 3, 2007 07:04:45 AM new
Yup, you havbe to completely empty your account before paying with credit card, and even then, it asks you if you're SURE. Yup, I'm sure. I NEVER pay for anything with my PP balance or bank transfer since I want the ability to do a chargeback if needed. PP obviously doesn't want me to have that option.
posted on March 3, 2007 07:34:13 AM new
Major annoyance; and I don't believe it has been this way since day one. They have always, however, made it difficult, by not allowing credit card as default, forcing you to explicitly selecting credit card as payment, but not making it impossible as they now do. I used to do it in the past (for bookkeeping reasons, I do not want some of my personal ebay transactions in with business), and that is why I couldn't figure out what was wrong this morning.
And couldn't they set some flag so that, after say 500 "no thanks" they would get the hint that I do not want one of their credit cards?
posted on March 3, 2007 10:13:26 AM new
Stop's right. It's been that way since day one.
He is also right on the second post. (Wow, twice in one thread. I think that's a record) Ask your seller to accept a credit card directly or ask if they can open a Google checkout account which accepts credit cards like the merchant accounts and not like PayPal.
posted on March 3, 2007 12:55:40 PM new
Since my personal purchases are for very small amounts (e.g., toner, cards, etc.) it isn't worth the extra time or effort of contacting seller. And that is why I find it hard to believe it was always this way; I would have the option of taking from balance or using my credit card on file, and am sure I had more than $10 in my balance; perhaps it was personal vs. business acct. at that time?
Anyway, now their motives seem more puzzling: annoy the customer and they will want to carry our credit card. Uh, no thanks. I will still use my credit card rather than theirs, just no longer leave any funds in my account.
posted on March 3, 2007 01:46:30 PM new
Open a second Paypal account. Do not fund. That way, when you make a purchase, you will be able to pay with your credit card.
posted on March 3, 2007 07:17:09 PM new
Damariscotta,
It's never, ever a good idea to leave any balance in your PayPal account. You should always transfer it to a bank account where it's much, much safer. Also a non-PayPal branded credit card is much safer as they will seek to protect you and not PayPal (potential conflict of interest with PayPal branded cards). Much easier to do a chargeback too if PayPal can't protect you as a buyer.
If you leave a balance in your PayPal account they will use that to fund any purchase which means you are less likely to recover the entire amount in transactions with bad sellers. Credit card funded purchases are doubly protected by both PayPal and your credit card company's chargeback policy.
posted on March 4, 2007 03:49:46 AM new
It is not that big a deal financially; I do not leave balances long term; I transfer them from paypal as items ship (just a backup reminder so I don't forget to ship an item out).
The additional annoyance is that simply presenting a message that a credit card could not be used because there was a balance would have saved me the time and aggravation.
posted on March 4, 2007 07:28:08 AM new
When we use our Paypal balance to pay for purchases,Paypal does not have to pay its merchant account provider(usually a bank) for the transaction fee and the discount fee,all it does is move the fund from your paypal account to the seller paypal account,thats why it wants us to use our paypal fund first.
Paypal money market is now yielding over 5% but how many of us would leave a large balance with them knowing we could wake up one morning and find a notice from Paypal saying some one has filed a complaint against us and so ??
Koz,
having a personal account as her second paypal account will not help her,she wants to use her credit card to make payment!
[ edited by hwahwa on Mar 4, 2007 08:10 AM ]
posted on March 4, 2007 07:13:21 PM newWe cannot have more than one business/preferred Paypal account per person
Wrong. I have three. Just have to have a different e-mail address associated with each one. It's that simple.
Now, that said. I only use one account and am moving to quit using it all together. We did it at work and replaced it with a merchant account. I am looking to have google checkout take over all of my credit card transactions in the near future.
posted on March 4, 2007 07:43:16 PM new
Unless Paypal has changed its policy,it is my understanding that we can have just one preferred/business account per person.
I just robbed someone and I am not in jail!
