Quite often when I buy something, I have to take the PayPal option as that's what is offered, but once in PayPal, I can go right to my bank credit card from there. My bank doesn't charge anything extra, though PP may tack on that 3.5%; I don't remember.
PayPal just blocked my account for using F&F
I used to be steadfast in refusing to use F&F because it is less secure, but also because it cheats PP out of their fees. However, so many people are just as steadfast in their refusal to use regular PP that I finally gave up and started to do it. Now PP has flagged my account and locked it until I explain why I am using it.
It looks like the days of circumventing their fees by using F&F may be coming to a close.
Wondering what's the best alternative. They own Venmo now so that free option will probably go away. I have Zelle but the limit is so low it is impractical. I actually prefer ACH transfers, but so many people are paranoid about giving you their checking account info it is a struggle. BTW, the only info you have to give is what is printed on the face of every check you have ever written, but for some reason, a lot of people freak out when you ask them for it.
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@lubachl There are no fees if you use your BANK Account to send a F+F Payment. Ive never kept a PP balance in the 26 years ive used that service. |
I used to us F&F mainly because I didn’t want the buyer to claim any reason to return the item. There is so much corruption on the buyers side. I always use signature required and I’ve had multiple buyers claim they never got the piece, but when I checked the shipper, the buyer did indeed sign for it, and when I told them they signed for it, they dropped the claim. I once sold a vintage piece to someone where I sent him a video of it working before I shipped it out. When he got it, he said it didn’t work. I told him to send it back, but I made a change inside and if the item was not the exact piece with my hidden signature, he would not get his money back. The reason I did this is because people would swap the new working internal pieces with a piece they already own that didn’t work, so when they claim it doesn’t work thru PayPal, you get back a non-working unit and the buyer gets his money back. Plus I found out that when you ship overseas, signature and tracking doesn’t work, so if the buyer receives the product but claims to PayPal that they never received it, the seller is screwed. There are other horror stories, so now I only sell using wired funds. I have a good reputation so the buyer isn’t worried as much. If I buy something, especially an expensive piece, I’ll buy new from a dealer or a manufacturer, or a few times, buy new pieces from a dealer at an audio show with a good discount, up to 50% off. Same goes for a car, when I’m spending $200k+ for a car, I go check out the car in person (I would never buy sight unseen) and wire the funds to the dealer. |
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