Online Payment

[mmburtch]

For those of you not following the drama in the BST forum right now, one revelation came as a smack upside the head for me.

When you choose the gift option, it is just that, there is no recourse if you don't get the product. You might as well be sending cash in the mail.

If you must pay by online merchants, add to cover the costs to the seller.


On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

 

[BlindedByScience]

For those of you not following the drama in the BST forum right now, one revelation came as a smack upside the head for me.

When you choose the gift option, it is just that, there is no recourse if you don't get the product. You might as well be sending cash in the mail.

You are correct; if you use the "gift" option, you have absolutely no recourse. Only advantage to sending cash is you know, absolutely for sure, that the intended party did get the funds. They can't claim they didn't get it.

On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

Agree 100%. I can put a MO in the mail for $0.70 + first class postage. Why some folks insist on electronic transfers is a mystery to me, but if they do, they should pay the fees, not the buyer.

Cheers - B.B.S.

 

[jfields]

On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

Thanks Matt.

I've always felt this way, but thought maybe that it was just me that this irked.

 

[lordlister]

For those of you not following the drama in the BST forum right now, one revelation came as a smack upside the head for me.

When you choose the gift option, it is just that, there is no recourse if you don't get the product. You might as well be sending cash in the mail.

If you must pay by online merchants, add to cover the costs to the seller.


On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

There's always drama in the B/S/T forum!:thumbs:

 

[tone-ny]

For those of you not following the drama in the BST forum right now, one revelation came as a smack upside the head for me.

When you choose the gift option, it is just that, there is no recourse if you don't get the product. You might as well be sending cash in the mail.

If you must pay by online merchants, add to cover the costs to the seller.


On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

Matt that is a great point, buyer should pay fees if they want the convenience of transfer via pp!

For those of you not following the drama in the BST forum right now, one revelation came as a smack upside the head for me.

When you choose the gift option, it is just that, there is no recourse if you don't get the product. You might as well be sending cash in the mail.

If you must pay by online merchants, add to cover the costs to the seller.


On a totally separate but related topic, these fees in my opinion should be the responsibility of the person requesting online payment. If a seller says online only, they should not expect the buyer to pay the fees. If the choice of payment is left up to the buyer, the fees are the cost of speed and ease for them.

There's always drama in the B/S/T forum!:thumbs:

There didn't have to be if people payed attention to what was said in that sale right up front!

 

[juddster]

Thanks for posting this! Hopefully it will save some other guys their $$$. ???

 

[lordlister]

There didn't have to be if people payed attention to what was said in that sale right up front!

I can't argue with you there Tony! I feel bad for all those people out there who are color blind and miss the big red letters ???

 

[Napa_Smokes]

Has anyone actually tried to dispute a gift payment using online payment option? It seems to still be possible and I have heard from a few people that it is possible. I agree that if you are choosing to use the online payment method, pay the fees. I'ts better to be out the 3.5% than out the whole amount if someone disappears. Although my experience with disputing a payment has been that they don't like refunding the money whether it is a gift or a payment.

 

[tone-ny]

There didn't have to be if people payed attention to what was said in that sale right up front!

I can't argue with you there Tony! I feel bad for all those people out there who are color blind and miss the big red letters ???

Absolutely, a crying shame for all of us.

 

[mmburtch]

Gotta say it's a shame many of life's little lessons have to be learned in the BST forum.

 

[emoshun]

I agree if the buyer demands online payment then he should have already factored the 3.5% + .30 cent transaction fees into his sale items.

This is essential to protect both parties involved, Paypal looks more favorably upon buyers than sellers, but in all situations the dispute/claim is fair.

Same goes with shipping rates, all prices should reflect the "out the door" cost and never incur fees above the posted sale price.

-Jimmy

 

[lherzolite]

Unless I have 110% trust in whom I'm sending money to via PP, I make sure to use a CC for the underlying funds instead of a bank account. Every time do this, however, I wonder if there is problem, does the fact that the CC payment is going through a third party negate any of my rights to dispute the charge with the CC company? I've never looked into this, but was wondering if anyone knows?

 

[cody5thou]

I hate the online stuff, this is why I only send personal check to people I trust and CC to others. Sorry that happen to you, what a pain!!

 

[Napa_Smokes]

Unless I have 110% trust in whom I'm sending money to via PP, I make sure to use a CC for the underlying funds instead of a bank account. Every time do this, however, I wonder if there is problem, does the fact that the CC payment is going through a third party negate any of my rights to dispute the charge with the CC company? I've never looked into this, but was wondering if anyone knows?

I had to do this one time about 3 years ago and it did not negate my rights to dispute the charge. However once you dispute the charge with your CC company the online payment site drops the dispute and stops working to resolve it. Basically saying that at that point it is out of their hands and now up to your CC company.

 

[Mark Twain]

Should possibly consider archive this post in the BST forum, or putting a sticky note so others are aware. I had no idea and it really reveals the limitations of transferring money online.

 

[modo22]

Not to repeat what has been said, but I can agree that if a seller requires online payment, maybe the fees are paid by him/her. But on the other hand, if the seller is gives an option; since online payment means quicker shipping rather then MO, then I say the buyer still pays the fees.

my .02 cents.

 

[whopper]

There didn't have to be if people payed attention to what was said in that sale right up front!

I can't argue with you there Tony! I feel bad for all those people out there who are color blind and miss the big red letters ???

Absolutely, a crying shame for all of us.

Actually the letters are not RED. Maybe that's part of the problem.

 

[jfields]

Unless I have 110% trust in whom I'm sending money to via PP, I make sure to use a CC for the underlying funds instead of a bank account. Every time do this, however, I wonder if there is problem, does the fact that the CC payment is going through a third party negate any of my rights to dispute the charge with the CC company? I've never looked into this, but was wondering if anyone knows?

I had to do this one time about 3 years ago and it did not negate my rights to dispute the charge. However once you dispute the charge with your CC company the online payment site drops the dispute and stops working to resolve it. Basically saying that at that point it is out of their hands and now up to your CC company.

I can add to this.

PayPal will dispute a credit card charge-back on your behalf as a seller, but they realize the chances of winning are slim.

If you use a CC to do a PP transaction, it does give you a better recourse should something go wrong as the buyer.

I use PP for business and have had a couple of unscrupulous customers claim that the product was significantly less than described, basically stating I didn't send what the sale stated. These both were customers that used PayPal as the checkout method, but chose a credit card as the funding method instead of actual funds in the PP account.

When both parties tried to file a claim and the ensuing investigation ruled in my favor (as we keep excellent records), they both then filed claims with their credit card companies.

As my PP account management liaison stated......... "We always fight unwarranted charge-backs like this on your behalf, but the credit card companies always rule in favor of the buyer 99.9% of the time unfortunately".

This is great for an honest buyer!

Bad for an honest merchant!

I'm told that some people do this quite regularly as a way to get free products. The credit card companies do not even take into consideration when someone has a history of this.

One guy I was told did this 12 times in six months before PayPal & EBay both closed his account, and banned him for good.

Edit to add clarification.

 

[Rod]

There didn't have to be if people payed attention to what was said in that sale right up front!

I can't argue with you there Tony! I feel bad for all those people out there who are color blind and miss the big red letters ???

Absolutely, a crying shame for all of us.

Actually the letters are not RED. Maybe that's part of the problem.

They are now.

Did I win? :sign:

 

[tone-ny]

There didn't have to be if people payed attention to what was said in that sale right up front!

I can't argue with you there Tony! I feel bad for all those people out there who are color blind and miss the big red letters ???

Absolutely, a crying shame for all of us.

Actually the letters are not RED. Maybe that's part of the problem.

They are now.

Did I win? :sign:

Maybe :whistling: