What's the deal with CC Vs non CC paypal payment !

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braxx · #1 Post by **braxx** » Sat Jul 21, 2007 3:48 pm

Why are so many sellers not accepting CC paypal payments?
What's the differance between accepting a $32 payment from my CC through paypal as opposed to a non CC payment?
I've heard 3% loss for a cc payment but I offered to add 3% and the seller still declined.
What's the big deal?

( I have a Premier paypal account and I get hit with 3% everytime I accept payment. )

Thanks,
Josh

sugo · #2 Post by **sugo** » Sat Jul 21, 2007 3:53 pm

braxx wrote: ( I have a Premier paypal account and I get hit with 3% everytime I accept payment. )

That's exactly why. Some sellers do not want their paypal account to become premier account. Basic paypal account can only accept non-CC paypal payments.

#3 Post by **tomh009** » Sat Jul 21, 2007 3:53 pm

I think it's because you can dispute a CC payment through your credit card company so there is an additional risk to the seller that the charge may be disputed.

#4 Post by **Harryc** » Sat Jul 21, 2007 3:56 pm

tomh009 wrote:I think it's because you can dispute a CC payment through your credit card company so there is an additional risk to the seller that the charge may be disputed.

That's my main reason for not wanting it. Paypal does very little to protect the seller in dispute situations.

#5 Post by **rkawakami** » Sat Jul 21, 2007 4:00 pm

sugo wrote:Basic paypal account can only accept non-CC paypal payments.

That used to be true before but I believe that PayPal has changed their policy towards CC-funded payments to a personal account. You can now accept up to five of those payments in a year. Along with the associated transaction fees of course...

braxx · #6 Post by **braxx** » Sat Jul 21, 2007 4:01 pm

That's what I think also BUT shouldn't the buyer be allowed some protection too?

tomh009 wrote:I think it's because you can dispute a CC payment through your credit card company so there is an additional risk to the seller that the charge may be disputed.

#7 Post by **tomh009** » Sat Jul 21, 2007 4:12 pm

braxx wrote:That's what I think also BUT shouldn't the buyer be allowed some protection too?

In the end, the seller sets the terms. If you don't like the terms, you can (and should) purchase from another seller.

This is a good example of balancing the pros and cons. In another thread a number of people complained about ThinkPadWorld (primarily about the Mack warranty and the shipping costs), but they accept credit card-funded PayPal as well as direct credit card payments, providing some additional buyer protection.

What's most important for you? Read the auction descriptions carefully before deciding on a major purchase ...

#8 Post by **jdhurst** » Sat Jul 21, 2007 4:20 pm

braxx wrote:That's what I think also BUT shouldn't the buyer be allowed some protection too?
<snip>

Yes, and if I cannot use PayPal funded by my MasterCard, then I am probably not buying. Too many sellers make buyers jump through unnecessary hoops, and for people like me (cream of the crop, top-rated buyer with a track record), I am not interested.
... JDH

#9 Post by **Harryc** » Sat Jul 21, 2007 4:21 pm

You also have to take a look at the environment here. Many folks here know each other and/or know first hand about the members sales history on the forum. So for a seller here to say non-CC is preferred, the buyer most likely knows of or personally knows the seller, so the risk is low for the buyer. EBay or elsewhere is a different story. Even though I (or others) may say non-CC is preferred, it is just that, preferred, If someone (who is known to me) wants to pay with a credit card I won't stop them, but may ask for the extra 3% if it is a very expensive item, or else I'll eat it...depends on the situation.

#10 Post by **rkawakami** » Sat Jul 21, 2007 5:02 pm

Getting back to the point about premier accounts getting hit with fees for every transaction...

I started with a personal PayPal account. For years it was the only thing I needed since I buy more than I sell. Several months back when it occurred to me that I would probably exceed the monthly $500 receive limit when I start selling systems and that there was a possibility that I would have to accept credit card funded payments, I obtained a separate premier account. There is nothing preventing anyone from having both, other than to have separate bank accounts tied to each. For the two systems I recently sold, I ending up using my premier account since the payment was over my monthly receive limit for the personal account and ate the 3% transaction fee. It's just the cost of doing business using PayPal. Could I have accepted a check? Sure, but the $16 or so it cost me was worth it to know that the funds were in hand immediately and that I could ship right away.

I also normally request that payment be made by non-CC funded means to my personal PayPal account. If for some reason that's not possible, then I always have the choice of using my premier account.

#11 Post by **BillMorrow** » Sat Jul 21, 2007 6:15 pm

braxx wrote:Why are so many sellers not accepting CC paypal payments?
What's the differance between accepting a $32 payment from my CC through paypal as opposed to a non CC payment?
I've heard 3% loss for a cc payment but I offered to add 3% and the seller still declined.
What's the big deal?

( I have a Premier paypal account and I get hit with 3% everytime I accept payment. )

Thanks,
Josh

add the fee into your charge for whatever..

FWIW, i never take a CC funded payment for a new thinkpad..
(not that i sell many new thinkpads anymore)..
why..?
because the CC holder has all the rights and the merchant has few if any rights..
i know from bitter experience..

that and CC fraud is the reason i only take a CC funded paypal payment for donations and a few other low dollar amounts..

Website · #12 Post by **tfflivemb2** » Sat Jul 21, 2007 9:13 pm

Hmmm...maybe I need to create a new PayPal account. I use my premier account for everything. Everytime I receive so much as a dime, I get hit with the standard high fees...BUT I chose to set up the account that way. I get some of it back, by using my PayPal MasterCard/Debit card. (I get 1% cash back on purchases, using it as a credit card)

Though, I must say...I had a weird experience with PayPal this weekend. I was trying to send money to someone, and PayPal told me that the seller required me to have a confirmed address, and that I needed to add a new credit card to do so....which is BS, as my address is a confirmed address. I even sent the seller an image showing such....fortunately, he was able to send me a payment request from his other account, which worked.

braxx · #13 Post by **braxx** » Sat Jul 21, 2007 10:50 pm

Well, my biggest problem is this:
1) Sellers are required to to ship to the confirmed address.
2) If I pay from my bank account ( Non CC ) my confirmed address is my home address.
3) My CC info listed with paypal is my confirmed business address.
4) Buyer's have a MUCH , MUCH higher rate of being taken advantage of, or being screwed than the seller.

Since no one is home durring the day , I'd rather the package be delivered to my business address. Where I can sign for it.

DavidNY · #14 Post by **DavidNY** » Sat Jul 21, 2007 10:52 pm

I used to use separate CC and non-CC Paypal accounts for eBay auctions but only one Paypal acct can be associated with a given auction and some buyers trying to pay with a CC into a non-CC account became confused when their payment was declined.

spuddog · #15 Post by **spuddog** » Sun Jul 22, 2007 5:57 pm

I'm not sure, but in some places it is illegal to charge an additional fee to someone using a credit card

Scott

#16 Post by **rkawakami** » Sun Jul 22, 2007 6:09 pm

Generally speaking, that's when you are using a credit card at a commercial business. Retailers are not supposed to charge you extra for using a credit card, however, they can offer a discount if you pay by cash.

braxx · #17 Post by **braxx** » Sun Jul 22, 2007 7:11 pm

It's against Ebay rules for the seller to have the buyer pay the fee's. The rule was around before ebay bought Paypal. Even now since ebay bought paypal they still don't allow it.

#18 Post by **Harryc** » Sun Jul 22, 2007 7:33 pm

braxx wrote:It's against Ebay rules ...

This is not EBay.

braxx · #19 Post by **braxx** » Sun Jul 22, 2007 7:49 pm

Maybe you need to re-read what I wrote. I never said this was ebay.
I responded to :

spuddog wrote:I'm not sure, but in some places it is illegal to charge an additional fee to someone using a credit card
Scott

Just giving him an example of where it is not allowed to charge the fee.

See the title of this thread. It's not a complaint about a 3% fee!
I don't have a problem with the 3% as I have already posted that I would add 3% to the purchase price of the product and I have a primer account so I get charged the 3% anytime I accept a payment, which I also never complained about. My complaint is: I think if your selling at least 50 brand new retail items in a month you should accept cc paypal payments. Your operating as a business at that point.

Harryc wrote:
braxx wrote:It's against Ebay rules ...
This is not EBay.

#20 Post by **Harryc** » Sun Jul 22, 2007 7:52 pm

braxx wrote:My complaint is: I think if your selling at least 50 brand new retail items in a month you should accept cc paypal payments. Your operating as a business at that point.

Nobody here does that kind of volume, not even close...well maybe the guy with the 60GB hard drives, but that is an exception.

braxx · #21 Post by **braxx** » Sun Jul 22, 2007 8:03 pm

Well, that's who I'm talking about. He also sold 35 of them on ebay in the last 3 days.
I wanted 1 or 2 drives. He would only take non-cc but if I bought more than 10 (ie; 11) he would accept cc payment. Last night he edited the for sale post to say "Due to high demand, I only have about 35 of these left as of 7/21/07."
So then I PM'd him that I would take 11 of them and then he responded that there weren't enough left. He wanted to even it out so that everyone that wanted one or two could get them. Then he offered to sell me 2 BUT again non-cc.
He has a x31 that I have a little interest in but he stated that he would ONLY take non-cc paypal or money order.

Harryc wrote:
braxx wrote:My complaint is: I think if your selling at least 50 brand new retail items in a month you should accept cc paypal payments. Your operating as a business at that point.
Nobody here does that kind of volume, not even close...well maybe the guy with the 60GB hard drives, but that is an exception.

#22 Post by **Harryc** » Sun Jul 22, 2007 8:13 pm

I hear you, but what can you do but shop/buy from someone else. I think we've exhausted the reasons why a seller might only want to accept non-CC Paypal, and there are no rules here against that policy, so ultimately it is up to the seller to set these terms and the buyer to either accept them or move on.

braxx · #23 Post by **braxx** » Sun Jul 22, 2007 8:20 pm

your correct. I didn't start the thread to start drama. My intentions were true to finding out why someone would not accept cc-payment through paypal even if I offered to pay the fee.
I guess the answer is: It's the sellers right to do what ever he wants.
It's not like he couldn't find buyers.
I guess you win some and ya lose some.

Harryc wrote:I hear you, but what can you do but shop/buy from someone else. I think we've exhausted the reasons why a seller might only want to accept non-CC Paypal, and there are no rules here against that policy, so ultimately it is up to the seller to set these terms and the buyer to either accept them or move on.

What's the deal with CC Vs non CC paypal payment !

What's the deal with CC Vs non CC paypal payment !

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