PayPal personal payments

[Maher]

Folks, when dealing with people for the first time be cautious about personal payments as you as a buyer are not covered by PayPal !!! you can do a dispute on the regular paypal payments but not on the personal ones, so unless you are sure of the person you are sending the money to I would suggest you use the normal, if there is an issue with paypal fees offer a percent increase in your payment to cover that. just a word of a caution

take care

 

[krissy]

I second that motion !!!!

 

[Austin]

I would also add that don't accept payment from anyone that does not have a confirmed address/account.

 

[Cuttingboard]

Folks, when dealing with people for the first time be cautious about personal payments as you as a buyer are not covered by PayPal !!! you can do a dispute on the regular paypal payments but not on the personal ones, so unless you are sure of the person you are sending the money to I would suggest you use the normal, if there is an issue with paypal fees offer a percent increase in your payment to cover that. just a word of a cuation

take care

Did not know, thanks for the info.

 

[boboakalfb]

Yep!

 

[vitaman]

Thanks Majer, good looking out!

 

[krissy]

Paypal now does offer seller protection for unconfirmed addresses as long as it's shipped to the address that was given with the payment. And you have delivery confirmation to prove that it was sent/received.


The reason I agree with this statement is that a seller should be willing to absorb those fee's or add them on to the price of the item being sold. This also gives both the seller and the buyer protection. But it's mostly for the buyer. It's a small price to pay so the buyer feels safe buying from you. Because after all the don't know you from some stranger they meet on the street.


If a seller doesn't know how much the fee's will be here, is a really good calculator that I found. It's for ebay but with a little know how, it can be used for non-ebay items.
http://www.newlifeauctions.com/calc.html
To use this calc simply choose the "fixed price" listing at the top left corner under the listing format option. Then go down to the bottom right corner in the blue area and enter your set prices. Enter your price in the BIN line and you can include shipping or not. If you don't include shipping enter that amount in the S&H charged line. Since papal doesn't recognize them as separate amounts you can enter just one figure. Then look up in the read area for the "paypal fee's" line and you know exactly how much paypal will take out in fee's. For example a $5.00 payment made will result in .45 cents in fee's.

If this is an international payment, you will add more fee's because paypal adds on an additional amount for that. On the bottom left corner you will see a green box marked paypal so tick off the international fee and the exchange rate IF necessary. Then the calculator will figure that in for you.


Another bit that I think is also important is delivery confirmation. If you have a scale at home (even a kitchen scale food scale would work for this or a postal scale) you can print off your postage at home using paypal and they add an extra .19 cents for online delivery confirmation. (making sure your post office scans the online purchased D/c) If not then I highly suggest paying the little extra for the green labels from the post office. Then letting the buyer know that number and give them the link to the USPS tracking page. So they can see for themselves that the package is on the way. Granted it's not a tracking number so i'm not sure why they call it that on their pages but you purchase a delivery confirmation number, but it's proof that the package was sent, and delivered.

 

[mretzloff]

I would also add that don't accept payment from anyone that does not have a confirmed address/account.

I do not know...I am not confirmed and I have 100% positive feedback on eBay and have never cheated anyone. I think the confirmed thing is overrated. Why would you give PayPal your bank account information?

 

[pcb01]

those of us who have had occasion to turn to PP dispute/resolution might tell you that there is little comfort (forget about justice) to be found there...

 

[Austin]

I do not know...I am not confirmed and I have 100% positive feedback on eBay and have never cheated anyone. I think the confirmed thing is overrated. Why would you give PayPal your bank account information?

Unfortunately, I got taken by an unconfirmed paypaler for $175. I appealed but it went nowhere because this clown was unconfirmed.

 

[rainman]

Good info. I personally always send a money request to the buyer with a clear title of whats going on including what is being sold and the words B & B B/S/T and a hot link of the B/S/T classified in the note to the buyer. I also label it as "goods". The fees are minimal. Once I am paid I print the paypal shipping label and notify the buyer of the tracking number. I feel this is the best way to go.

I have gone the route here of sellers asking me to send it to them as "personal" under the gift option. Luckily it worked out in the end but I was worried about the transaction as I had little backing in the manner. Even to bringing it up to paypal I'd have to be telling them that I was helping to cheat them out of their commission and now I need their help.

 

[Stubblefield]

I never take personal payments, as the shipping option with "goods" is well worth the paypal tax (to me, anyway).

 

[Maher]

Good info. I personally always send a money request to the buyer with a clear title of whats going on including what is being sold and the words B & B B/S/T and a hot link of the B/S/T classified in the note to the buyer. I also label it as "goods". The fees are minimal. Once I am paid I print the paypal shipping label and notify the buyer of the tracking number. I feel this is the best way to go.

I have gone the route here of sellers asking me to send it to them as "personal" under the gift option. Luckily it worked out in the end but I was worried about the transaction as I had little backing in the manner. Even to bringing it up to paypal I'd have to be telling them that I was helping to cheat them out of their commission and now I need their help.

Actually PayPal is making commission either way, the sender is paying the commission so they don't care

 

[Barbarian]

I do not know...I am not confirmed and I have 100% positive feedback on eBay and have never cheated anyone. I think the confirmed thing is overrated. Why would you give PayPal your bank account information?

If I remember right, way back in the infancy of PayPal, before eBay owned it, you had to do confirm a bank account in order to use it. They didn't take credit cards, etc. Only selling or transfers from your account would load money in to it.

 

[Tabaliah]

If I remember right, way back in the infancy of PayPal, before eBay owned it, you had to do confirm a bank account in order to use it. They didn't take credit cards, etc. Only selling or transfers from your account would load money in to it.

I thought it was you had to have a credit card, and they would put the money back on your card as a refund if you wanted cash. I think the CC companies took issue with that, and PayPal then went to a bank transfer system.

..michael