2. misc-audio
  3. 1043703173

PayPal Question.

Yesterday I sent a payment via PayPal and I thought that the paymenet would be charged to my credit card. The reason for this is that I had to update my credit card information since I just received a new card and I really thought that when I clicked on the send payment button, the last four digits of the new credit card came up as the billing account. I swear I saw them right before my eyes. Well my bank account was charged for the payment. I called PayPal today and they advised that since this is a customer initiated transaction, I must have made the error (the system cannot make a mistake). I tried to fake a payment today and up comes the credit card number by default with the same last four digits. PayPal tells me that they do not allow multiple transactions for large dollar amounts (mine was $1,000) to the bank account in a row so that is why it is defaulting to the credit card now. I tried faking a $100 payment and a $1000 payment and the credit card account comes up as the default. I was also using an address that was not listed as a PayPal account so I never got past that screen, but it seemed far enough to see the account number to be charged come up. So, how do I tell if I really used the bank account versus the credit card account number? Since I just added the new credit card account number, could the card not have been verified in time to make the transaction and thereby default to the bank account automatically?

All comments appreciated. I had a 12 month, 0% interest, on the credit card option.

Thanks.

Peter
bigkidz
sugarbrie
3,854 posts
 
Bigkidz...you can view the details of the transaction if you look in the history.

Paypal is not perfect, but where is the real harm here? Something was purchased and it was paid for. If Bidkidz really wants it on the credit card and not his checking, all he/she has to do is take one of those VISA/MC checks they are always giving out with the statement, and make a deposit in their checking account (hopefully one without a fee). Was it the Paypal VISA?

These kind of posts usually bring forth comments from folks not happy with Paypal. It has millions of users. Many of those who are satisfied, are not likely to have a strong desire to defend it.
subcoolman
17 posts
 
Think "Terminator" here- "GET OUT!" I got screwed by these guys badly about two years ago on Ebay, and have absolutely REFUSED to accept or use their "services" ever since. All of my sales on Ebay, and now here, state "NO PAYPAL". Sure, I've missed alot of good opportunities in the process, but at the end of the day, I can sleep well. Can they? With a clear conscience? Doubt it.
buscis2's avatar
buscis2
468 posts
 
I am presently at my 11th PayPal transaction. I have not had one bad experience. I will make a couple of suggestions to you folks regarding usage. I set up a statement savings account with my local bank. I had an ATM/Visa attached to the account. When I need to make a payment using PayPal, I transfer money from my statement checking to my statement savings (by phone).
I transfer just enough money to complete the transaction. I then use the ATM card to make the payment. The checking and savings have absolutely no connection to one another by online methods. I must make transfers by phone.

When receiving a payment, I have the payment made to the ATM/ savings account #. As soon as payment arrives, I then immediately transfer (by phone) the money into my statement checking, leaving no balance in the savings account. If someone happens to get through the PayPal "level" of security, they now have to get through the bank "level", at which point, there is no money in the account anyway.

Up to this point, I have had no problems. An ounce of prevention....
dennis_the_menace's avatar
dennis_the_menace
467 posts
 
Do funding options change depending on the person you are paying? I tried to pay via credit card once, and the only account they allowed me to pay with was with my bank account. Every other time, I've been able to do as Ncarv describes and pay via credit card.
More to discover