posted on November 9, 2000 10:27:24 PM
I just wrote to ebaY about this. I hope that others who feel the same, will do likewise. It can't hurt.. who knows, maybe they will *listen*? <snicker> Could happen.
Here's the issue:
With the recent announcement from X.COM I've been forced to scramble for other options, since my X.COM debit card was used to pay my ebaY account each month. I started thinking about all the other companies that do it, and I wondered; why on earth doesn't ebaY offer ACH, auto-draft, auto-billing, or "e-check" payment options for sellers to pay their account balances monthly? It seems silly that you can pay for auction purchases this way via the multiple payment services out there, yet a seller can't pay their ebaY account balance this way. What year is this anyway?
I'm going to have to go back to the "pay as you go" method I used way back when, thanks to X.COM's closure of the accounts. I have no other credit card available, and will be forced to get one or get another debit card via another bank (which will take some time) to keep on making payments easily and quickly to ebaY each month.
What annoys me though is that I do, however, have an alternate "real life" bank with a checking account. If ebaY would get with the times I could make payments (either automatic & recurring, or initiated by me each month, either would work for me) electronically via my checking account, without having to print a payment coupon, mail a check, and wait an eternity for it to be posted to my account. I mean, c'mon, AOL was doing auto-draft payments 6 *years* ago for their AOL account billing! I know, because the a**holes tried to keep charging my checking account the monthly fee long after I closed my account. One of the drawbacks of that sort of thing, but I'm willing to take the risk at this point. I hate screwing with snail mail payments of any kind, and feel especially annoyed that I should have to with such a big, techie sort of company. My rinky-dink phone company does this. My insurance company even does this! Why not ebaY??
I wonder if anyone agrees with me, perhaps some of those lone few who, like me, don't have credit cards out the wazoo with 10k limits on each one. I think it's long overdue.
posted on November 9, 2000 10:47:04 PM
BlackCoffeeBlues:
I am haveing the same problem as you the problem with ebay is not they dont accept other payment methods.
the big trouble comes from the fact that we used X.com visa debit card to verify as a seller once that card is no longer valid you will need another Credit card number to continue selling as well.
Here is what I have done I went to www.bankone.com
this bank has been around a while they have bank branches in many states I think they will not be disapearing.
they have a modest $5 monthly fee if your account is under $500 in the month this I found about average for good bank.
They offer free online checking with this account so you can check your balances and all right on line just like you did with x.com.
The appilication was easy you need to open the account with $100 they allow you use debt card credit card or any other bank to get this $100 to them I used my x.com debt card to tranfer the $100 to open the account.
the account comes with a visa debt or check card and in 20 mins I had email thanking me for my appilication and my New checking packet and Debt card should be in the mail in 5 to 7 days
they also offer $1000 line of credit or over draft . you might want to check this out it seemed like the fastest way to get my money from x.com to another bank and get a new visa debt card most required you to print out the application then mail it in get a cashiers check or money order and mail that with allthe snail mail would take a week or more longer then the notice x.com gave us. http://www.Dman-N-Company.com
posted on November 9, 2000 11:12:18 PMdman thanks for your response.
I still say ebaY would make it easier on everyone if they just kept with the times.
I mean, the easier it is to get my money to them, the more freely I'll list, you know? If I know it will only take a click of the mouse to pay them, vs. getting a pre-payment in and worrying that I've paid enough, or having to stop listing to send in another payment, blah blah.
I've been checking out various online banks all night to try and get another debit card. My problem is that my credit is horrible and some places treat a debit card like a CC, making you jump through hoops to get it.
BankOne and I go way back and it's not pretty. My husband and I had Visa check cards there when they first came out, and we ended up with an overdrawn account that they closed. We paid them but they won't give me an account now for that reason.
Other banks look good (from gomez's reviews) but frankly I don't even have the $100 right now to open an account. One in particular has no min. balance but you still have to come up with $100 to open an account and I don't have it. Another (USbancshares, I think) only needs $1 but it all has to be done snail mail (again,that's just STOOPID IMO, I could electronically zap it to them tonight if they offered that option) and it will take a while.
At least I can take advantage of the $25 fee limit ebaY offers before cutting you off from listing, and then at that point I will hopefully have another debit card or I will then snail mail a payment, but I can't even pay that until I sell some stuff! So I'll have to list, sell, get the money, *then* pay ebaY and/or open an account somewhere. A vicious cycle.
On the issue of the credit card verification to sell: I thought I read in their help section that sellers who'd been on before Oct 99 (??) or some such date would be exempt from the CC verification requirement. I've been selling there since 98. The way I read it, I won't have to provide a CC for verification even after I remove the x.com one from the records. They also let you verify via some other method if you don't have a CC, it says so in the help section... for those who aren't grandfathered in.
posted on November 9, 2000 11:22:56 PM
if you dont have the $100
check out pcbank.com open an account for a Dollar for now anyhow they are offering 6.25%
interest on your balances.
they do require your Idenification so more then likely have to print the ap sign it and send it to them with a money order for deposit.
I have lousy credit too and have several debit cards but refuse to mix auctions credit card services and personal checking. http://www.Dman-N-Company.com
One of the drawbacks of that sort of thing, but I'm willing to take the risk at this point. I hate screwing with snail mail payments of any kind, and feel especially annoyed that I should have to with such a big, techie sort of company. My rinky-dink phone company does this. My insurance company even does this! Why not ebaY??
I think it's long overdue.