bearmom
|
posted on October 19, 2000 06:55:09 PM new
For the second time in as many days, I have won an auction and then had the seller tell me that I will have to pay the Paypal charges. Is anyone else noticing this?
I just consider that a business expense (although they DID lie to us!) but I am not condemning anyone who doesn't want to pay it. But when the TOS state "XXX dollars for shipping/insurance" and then the EOA tells you that you are going to have to add 25 cents plus 2% of the total in order to use paypal, that seems kinda dishonest. It could add up to a lot of money on high ticket items. Seems that it would avoid a lot of misunderstanding if this were stated in the TOS. If buyers don't want to pay the extra, they could make the choice not to bid.
Tough week at school-I'm taking it out on everyone! 
|
dman3
|
posted on October 19, 2000 07:12:14 PM new
Well There shouldnt be no suprise charges for useing paypal at all after several weeks of discusions and research on the subject of chargeing buyers for useing credits cards ever through paypal or any other merchant is against bank regulations.
Paypal had said chargeing buyer was up to the sellers but it has to be clearly stated in there auction listing Not just the EOA Ebay is frowning on this all togeather now.
I am a seller and I dont not charge any fees for credit card at all these are convience fees the seller should pay to be able to accept your CC payment.
These seller have an option not to take paypal there is other fee credit card services out there they could ask there buyer to use if they choose to still accept paypal they should pay the fee and thank you for your bid.
So in my opinion it is dishonest to charge ant fee for credit card use.
WWW.dman-n-company.com
[ edited by dman3 on Oct 19, 2000 07:14 PM ]
|
labbie1
|
posted on October 20, 2000 06:45:45 AM new
bearmom Do those sellers at least offer other online payment services like PayDirect or ExchangePath?
I have read quite a few threads in which sellers are stating that they will be charging the fees back to the customers.
|
ladele
|
posted on October 20, 2000 08:23:07 AM new
bearmom,
I’ll probably give away my age. But I remember when bank credit cards hit the scene (I was in the CC and banking industry at the time) with Bank of America card and Master Charge….okay think back…WAY BACK. And merchants who didn’t like paying merchant fees for use (which I admit where high in comparison to today’s rates) wanted to “tack on” their charge to the cardholder. Laws governing the use stated you can offer a discount to a cash customer but not add on to the cardholder.
So Sellers...if you do offer paypal and want to charge a Buyer if they plan to use it be UPFRONT and DISCLOSE beforehand.
I think you should suggest this to your Seller and possibly mention in your feedback of them.
|
yisgood
|
posted on October 20, 2000 09:17:30 AM new
"You can use the FREE payment services of Exchangepath (which will also give you $10 on your first transaction), Payplace, Western Union's Moneyzap, Yahoo's Paydirect. No credit card? Use your checking account with Achex. Not in a hurry? Pay by check or money order.
Due to problems reported with Paypal, I only accept paypal from verified accounts (I am verified). On items of $100 and up, buyer pays 1.9% more for using paypal unless you pay from your existing balance or bank account. You must email first BEFORE sending payment. "
http://www.ygoodman.com
[email protected]
|
auctionee
|
posted on October 20, 2000 10:28:23 AM new
"On items of $100 and up, buyer pays 1.9% more for using paypal unless you pay from your existing balance or bank account."
Just curious why you only pass on the charge for the credit card transactions when PayPal charges the 1.9% regardless of if it is a credit card transaction or not.
|
chasd7
|
posted on October 20, 2000 10:31:15 AM new
Just tack the 2% on each buyer, as a handling fee.
An other example of everyone getting the circular inclined plane due to one group's
greed.
I don't use bad language, even when it's called for.
|
moonmem-07
|
posted on October 20, 2000 11:22:19 AM new
Bearmom If the seller offered Paypal in the auction description and didn't mention the extra charge, I wouldn't pay it. I would complain to the seller and to Yahoo. Isn't that changing the rules in the middle of the game?
"If man were to be crossed with a cat, it would greatly improve the man, but deteriorate the cat." Mark Twain
|
chasd7
|
posted on October 20, 2000 11:36:37 AM new
complain to yahoo? you are kidding, right?
although I'm sure they have E-generated , one
size fits all response by now. Some of the K-rap I've seen on here would send a better business bureau into a fugue state.
I didn't change the rules. Remember?
|
yisgood
|
posted on October 20, 2000 01:56:29 PM new
[i]"On items of $100 and up, buyer pays 1.9% more for using paypal unless you pay from your existing balance or bank account."
Just curious why you only pass on the charge for the credit card transactions when PayPal charges the 1.9% regardless of if it is a credit card transaction or not.[/i]
I expected someone to ask this question. I have a business account and a personal account, both verified. My personal account is restricted to $500 from CC payments but unlimited payments from PP balances or bank accounts. So if the customer wants to save the 1.9%, he can pay my personal account from a PP balance or bank account. This costs PP nothing, it costs me nothing and doesnt affect my remaining balance. If customer insists on using PP and insists on using credit card, then it is only fair that customer should pay the fees. After all, I offered plenty of other options. To me this is like a customer insisting on next day air when it is much cheaper to ship via other methods. This is not a "cost of doing business," this is a special customer request and they should expect to pay for it.
http://www.ygoodman.com
[email protected]
|
labbie1
|
posted on October 20, 2000 02:00:06 PM new
yisgood Well thought out and business like.
|
dman3
|
posted on October 20, 2000 04:11:16 PM new
This is not bussiness like Bussinesses no longer attempt to recoverthese fees from there buyers.
Bussiness like is to pony up the fees for your bussiness services or dont use them WOW get over it already.
I have a feeling before years end with so many auction seller pullin bull there will be regulations on this and every other aspect of this way of selling.
The absence of government and regulation is takeing responcablity for your self.
WWW.dman-n-company.com
|
auctionee
|
posted on October 20, 2000 05:23:41 PM new
Yisgood -
I understand what you are saying, and it may work until you get caught...and given the horror stories about PayPal recently, I'd really hate to get caught with anything. You might want to check out this thread, FYI:
http://www.auctionwatch.com/mesg/read.html?num=41&thread=3081
|
yisgood
|
posted on October 22, 2000 06:24:45 PM new
Auctionee: I don't understand. Get "caught" doing what? Paypal allows you to have a personal and business account. PP does not count money received from bank account or PP balance toward the $500 limit. So what exactly am I doing wrong that I have to worry about getting "caught?" When it is a CC payment, PP gets its fees from me.
http://www.ygoodman.com
[email protected]
|
granee
|
posted on October 22, 2000 11:59:37 PM new
yisgood,
Auctionee was referring to PayPal Damon's reply to a question about receiving non-credit card payments in someone's personal account, rather than using their business account:
"That would violate the terms of use. Transactions that are business in nature would need to be directed to the business account.
That's what was meant by "getting caught". I wouldn't worry about it. They don't seem organized enough to scrutinize anybody's accounts. They're too busy getting ready for their IPO and looking for a competent leader.
|
yisgood
|
posted on October 23, 2000 06:16:54 AM new
>>Auctionee was referring to PayPal Damon's reply to a question about receiving non-credit card payments in someone's personal account, rather than using their business account:
"That would violate the terms of use. Transactions that are business in nature would need to be directed to the business account. <<
I missed that one. So let me get this straight. Paypal promises "always free." Then they charge fees. Then Damon says, almost apologetically, that after all PP pays fees for credit card use so they are only passing on their own costs. Then he says that even payments made from bank accounts will be charged and if you send someone a refund, the charge will be placed twice on the receive and on the send (assuming the original sender has a business account) and now he says that even where PP can identify the funds as being from a bank account and it cost them nothing to process it and they dont even count it in the $500 limit, it is a violation to accept it. Seems to me this has gone way past double talk and broken promises, right into lying and extortion.
I keep no balance in my PP account, so the day that I get "caught" is the day I stop using PP completely. Due to the warnings I send customers and the referrals to Exchangepath and others, my PP auctions have dropped from 80% to 20%.
http://www.ygoodman.com
[email protected]
|
jwpc
|
posted on October 23, 2000 07:20:09 AM new
bearmom -
REPORT THE SELLER TO PAYPAL immediately! This is not only ridiculous but illegal!
The same applies to any seller asking for a percentage charge to pay for your use of your Visa, Master or American Express. Report them, and they will lose their Merchant's Account. This is against the agreement with any of the credit card companies.
I would rather see PayPal lose a few sellers accounts, than have this type of seller using PayPal; this type of illegal activity gives all sellers using PayPal a bad reputation.
Please report this seller NOW!
|
yisgood
|
posted on October 23, 2000 07:28:27 AM new
JWPC: You are correct that it is illegal to ask the buyer to pay CC charges. However, in the case of Paypal, it is paypal that is asking for these charges. They are the merchant. There is nothing illegal for the seller to tell the customer, "If you want to pay me via paypal, I expect you to cover my additional costs." However, I do agree that it is wrong for the seller to spring this on the buyer afterward. It should be in the auction description.
http://www.ygoodman.com
[email protected]
|
