PayPal payment refusal

If you have a personal PayPal account, you can receive payments only from an existing balance or bank transfer. To accept credit card payments you must upgrade your account and incure a fee for every payment received (credit card or not).

Your seller seems to have a personal account. If you want to use paypal you must use a bank transfer or pay using an existing balance.

Technically, if they display the PayPal logo with credit cards, they MUST accept credit cards, but I've seen this often.

Puppy Raiser, thanks.

If I put an unalocated credit into my PayPal account, does this mean I could then use part of this to pay this buyer i.e. I wouldn't be paying directly from my credit card? Don't quite see the difference.....

(PayPal are slightly slow in getting back to my queries).

B

If you don't have a bank set up with PayPal, I think you can use your credit card to deposit funds into your PayPal account, then use that balance to pay for your auction. It's not as safe because you can't 'refuse payment' to your credit card company in case of a problem, but it's a way to get around your situation.

Good Luck.

You can also contact PayPal at 402-935-2057. They have be very helpful to me in the past.

This is an area where Paypal could be a lot clearer in their descriptions of their service.

I had trouble putting funds into my Paypal account in the way you describe, I don't remember why.

These days I just avoid auctions where the seller insists on payments from a Paypal account like that. I always take the easy way out!

GG

At the risk of boring everyone, here is a better explanation of the difference.

If you pay a seller with a credit card, the transaction is between you and the seller. If something goes wrong, you contact your credit card company and notify them you are refusing payment because... yadda, yadda. The seller does not get paid (or gets a charge back) till the dispute is settled. You don't make payment and (usually) don't pay interest on the disputed amount. I’ve done this once (not an eBay issue) and credit card companies make it very easy and next to painless. In fact the credit card company apologized for the trouble I was having!

By depositing funds into your PayPal account, the credit transaction is between you and PayPal and counts as a cash advance. If something goes wrong, you got the cash in your account, so there are no grounds for refusing payment via your credit card company. You usually pay interest for cash advances even if your bill is paid in full each month. Your seller is paid in cash. If there is a problem, your only recourse is to file a claim with PayPal, and maybe get part of your money back... eventually...
Go to PayPal and see if you can figure out how to do it.

PuppyR, you're not borning me.

This seems definitive, but:

If I make a normal PayPal/Credit Card payment to an eBay (or whoever) seller then it is simple.

If I make a $50 deposit to PayPal, and hope to use most of this to pay an eBay seller who can't accept PayPal/Credit Card payments, and say there is $5 surplus to this transaction left in my PayPal account. If I then go back to the normal way of paying for my transactions with PayPal then is this $5 going to complicate things (i.e. the normal relationship between me and the credit card company)? Having got through this difficult payment then all I want is to return to normal.

Perhaps the solution is to make the deposit into my account for the exact amount required and then my account is zero balance again.

No trouble, you'll be OK either way. PayPal will use the remaining balance first, then the rest of the amount due will be a credit card payment.

Another way is to make a withdrawal from PayPal before your next charge. (This is what I do with my balance for items I've sold. That way I can always pay with my card)

By the way... A credit card (that's what we've been talking about) is NOT the same as a debit card that's attached to your checking account !!

I agree with Puppy. This way, I always have the credit card protection. I find it much easier, if there is a problem, to talk to my credit card co. than Ebay!

I usually use my bank account, but occasionally I use a credit card. On one of the very few occasions that I ever had a problem, I contacted American Express, which is generally very helpful in disputes, far more so than other creditors. However, in this instance, they stated that they would not interevene in a third party transaction, which any PayPal transaction obviously is (the buyer, PayPal and the seller). Had the dispute simply been between me and a seller, they stated, they would take action. But with a third party involved, they would not. Be governed accordingly.

Since I've had no experience with trouble thru PayPal and/or eBay, guess I'll have to say I stand corrected for now.

So we're stuck with the PayPal complaint or protection process?

quote:

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PayPal:
General. PayPal's Buyer Complaint Policy is designed to try to help buyers recover funds from sellers who do not ship the promised goods. Buyer complaints must be filed within 30 days of the payment and, even if the buyer’s claim is justified, the buyer will receive a recovery only if there are funds in the seller’s account. RECOVERY OF YOUR CLAIM IS NOT GUARANTEED.

OR (not and)

General. PayPal Buyer Protection is designed to help buyers recover funds from eBay sellers who do not deliver the promised goods, or who deliver goods that are 'significantly not as described' in the listing. As defined in more detail in section 4.a.2, below, an item is 'significantly not as described' if the seller clearly misrepresented the details of the item in a way that affects its value or usability. Please note that this does not include cases where the buyer is merely disappointed with the item or where the item did not meet all the buyer's expectations. If you file a claim for a 'significantly not as described' item, you will generally be required to return the item to the seller at your expense.

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Note that buyer protection, and buyer complaint are two different things.

You can read all the fine print re buyer complaint > Here <.
(you have to Log in to PayPal...
guess they want to keep it a secret till after you've signed up)

You can read all the fine print re buyer protection > Here <.

Looks like buyer protection is the way to go, as long as the seller qualifies.

... are we confused yet?

I have had a different experience. Twice, I have had a problem in the last few years and both times my Visa Co. stepped in and helped me. I also had a problem at UBid once and the credit card Co. reversed the payment with no problem!

LMAO!!! You are too funny!