PAYPAL!!! NOT HAPPY JAN!!! It STINKS!

[Roverlord off road spares]

I received an email yesterday from paypal re a transaction on and ebay sale for a clutch kit a month ago, they have frozen the entire sale value amount in my account. There is a dispute of unauthorised payment made to us.
So I contact the customer who bought the clutch to find out why, the customer is happy with the purchase and has fitted the clutch kit and all is good. They have not instigated the dispute. So I ring paypal and speak to a customer representative and it seems the card vendor has instigated the dispute over unauthorised payment .
It can take up to 70 days for it to be investigated! WTF, we have done nothing wrong.
A customer registered to ebay makes a purchase, pays via paypal "the so called safest way to transfer money". The payment goes into our account and we sent the goods.
So Why am I the one with the hold on funds, surely it has nothing to do with us, it should be between the customer and their bank( credit card provider). The customer admits ordering it, admits receipt of goods and admits they are happy and says they did not instigate the dispute.

This stinks big time! Something in the system is not right, if the whole order process goes through and funds are transferred ok.:mad::mad::mad::mad:
Shouldn't the Bank go the Customer?

[loanrangie]

Yes they are ( enter multiple expletives here ) and think they are untouchable.

[incisor]

deja vu... ;)

i get them all the time over subscription payments...

welcome to my world.

there are no viable alternatives i have been able to find...

[drivesafe]

Every single payment dispute I have had has always involved PayPal so some time back I stopped using their service to receive payments and one of my major customers is about to do the same thing for the same reason.

It may be good for the customer and it sure as hell is good for PayPal but it’s just to UNRELIABLE for suppliers like myself.

[123rover50]

I dont use Paypal anymore. When I buy stuff I only use vendors that have Direct Deposit.

[Bigbjorn]

I'm a vendor. For years now I have only used Australia Post COD.

[1999td5]

haha

I was a customer and used my paypal account whilst I was overseas! I tried to make a legit purchase.

that soon froze my account because I initiated it outside of Australia.

I could not fix it until I got back home.

I notified my bank I was traveling OS so CC was ok.

[SuperMono]

It may be good for the customer and it sure as hell is good for PayPal but it’s just to UNRELIABLE for suppliers like myself.

Probably a bit like AMEX in that regard I guess?

The only issue I have had with 'buying stuff' payments that wasn't promptly resolved was in regard to Mastercard issued by NAB.
I had to call Sydney within office hours from Europe because I 'had unusual overseas transaction patterns' that had triggered something that only whoever blocked it could fix. Given I spend more time clearing immigration than your average drug mule and have been using the same credit cards for several years, you think they would have noticed a few years earlier.

Payment issues with Paypal (only had a couple) resolved without issue at my end, same with AMEX.

[Roverlord off road spares]

Update: Well Paypal returned the funds and out come was investigation was in our favour. As said earlier we had done nothing wrong.

Advice to sellers using paypal, ensure you have proof of delivery for seller's protection otherwise you have no hope. Something fishy about the customer, they were madly buying stuff on ebay and now their account is suspended.

[1950landy]

I have stoped using Paypal because lately every time I I pay for some thing with Paypal , with in a couple of weeks I receive a Spoof email which says it from Paypal & they have made a payment for me & if I do not think it is mine to click the link.
I sent paypal an email about this matter & wanting to know how these people knew I had recently used there service . I told them if this is happening they are not keeping my personal details safe .

[DBT]

Very interesting.

We recently set ourselves up a small business and have gone with Paypall CC facilities, as they were very low cost to establish.

Our transactions will all be low value (<$100), and we use Parcel Post without signature.

I can understand banks freezing cards to block future transactions due to suspicious activity. But freezing / reversing past transactions without consulting the payer is surely crossing the line. Case of shoot first, ask later, really.

We may need to rethink our approach if this is is how they treat vendors.

[incisor]

Very interesting.

We recently set ourselves up a small business and have gone with Paypall CC facilities, as they were very low cost to establish.

Our transactions will all be low value (<$100), and we use Parcel Post without signature.

I can understand banks freezing cards to block future transactions due to suspicious activity. But freezing / reversing past transactions without consulting the payer is surely crossing the line. Case of shoot first, ask later, really.

We may need to rethink our approach if this is is how they treat vendors.
Is fine with a physical product as long as you can provide proof of delivery. Always use signed for methods

Digital products is another story

[1950landy]

Is fine with a physical product as long as you can provide proof of delivery. Always use signed for methods

Digital products is another story
This works well except when the person doing the delivery signs for you then leaves the parcel on top of letter box or on foot parth .:mad:

[incisor]

nothing is 100% bulletproof

all you can do is minimise the risk, rarely can you negate it totally when humans are involved.

[Roverlord off road spares]

I have stoped using Paypal because lately every time I I pay for some thing with Paypal , with in a couple of weeks I receive a Spoof email which says it from Paypal & they have made a payment for me & if I do not think it is mine to click the link.
I sent paypal an email about this matter & wanting to know how these people knew I had recently used there service . I told them if this is happening they are not keeping my personal details safe .

I get these phishing emails all the time, if you have a publicised email address somewhere online they use that. You will find paypal will always address you by your registered First name. Just never click on a link on those emails, if you want to check if it's for real go directly into your paypal account and search your messages there, if it's not there then it's a fake.

[Roverlord off road spares]

Very interesting.

We recently set ourselves up a small business and have gone with Paypall CC facilities, as they were very low cost to establish.

Our transactions will all be low value (<$100), and we use Parcel Post without signature.

I can understand banks freezing cards to block future transactions due to suspicious activity. But freezing / reversing past transactions without consulting the payer is surely crossing the line. Case of shoot first, ask later, really.

We may need to rethink our approach if this is is how they treat vendors.
Dave if using parcel post pay the extra $2.75 or whatever it is and get a signature. Australia post DOES lose parcels , delivers to the wrong addresses and when you complain they use the loop hole, no signature was obtained and they will deny loosing it and will say the postie delivered it. This is happening more and more.
Even though you say your goods are under $100, even so loose a few items worth $50 and it soon adds up.

[Mick_Marsh]

Dave if using parcel post pay the extra $2.75 or whatever it is and get a signature. Australia post DOES lose parcels , delivers to the wrong addresses and when you complain they use the loop hole, no signature was obtained and they will deny loosing it and will say the postie delivered it. This is happening more and more.
Even though you say your goods are under $100, even so loose a few items worth $50 and it soon adds up.
Problem with that is sometimes they get what they call a signature but I call scribble. This happened to me once. Australia Post said it was signed for (but not by me) so it was delivered, therefore, my problem.
I have a post box which stops this. The parcel is carded to my post box, I present the card (which I need a key to get) and I have to sign and present my drivers license to get my parcel.
Some vendors refuse to send to a post box, thankfully, you don't.

[AndyG]

Is Bpay too,expensive to set up?

If I was a small vendor I would have a special bank A/C for payments received that was flushed to the main account daily.

I prefer direct deposit whenever I can.

[DBT]

Is Bpay too,expensive to set up?


Haven't looked into BPay yet.

Initially used Paypal for simple online TX incl. card payments.

We also wanted a Point of Sale solution. They can provide basic POS credit card hardware, which is cheaper than bank solutions. However the trade-off is less vendor control, as this thread demonstrates.

Will always prefer cash payments, but offering card options will hopefully encourage more sales. :angel:

[Roverlord off road spares]

Haven't looked into BPay yet.

Initially used Paypal for simple online TX incl. card payments.

We also wanted a Point of Sale solution. They can provide basic POS credit card hardware, which is cheaper than bank solutions. However the trade-off is less vendor control, as this thread demonstrates.

Will always prefer cash payments, but offering card options will hopefully encourage more sales. :angel:
You have to offer card options oneway or another, a lot of people live on Credit as they do not have the immediate funds. To set up a POS via a bank for a smaller business is not cost effective, it will have to be passed on to the buyer. Paypal do offer a POS reader device but the fees are still high. I believe the Paypal POS works via your smart phone, I don't think it has facilites to take payments over the telephone though, ie where a buyers wants to give you credit card details over the phone.
Remember also that GST is also on services, you will pay GST on the final postage cost so if an item costs $10 to post you will have to pay $1 gst,( yes you do claim back a portion, but unless you charge the customer the end user the extra GST on the postage it'll come out of your profit also ebay also charges commission on sales that include the cost of postage. Even though you make nothing on the postage ( we don't anyway) you still are required to pay a fee on the postage. Ebay did this to stop sellers selling an item for say 99cents and charging $100 postage , this was to avoid ebay fees. This spoilt it for everyone now. Then paypal takes there cut on the final sum inc postage.
So you loss say 10% straight away, then if you are paying extra for your card POS paypal takes an extra cut. 10% might not seem much to some but when you work on small margins then 10% is a big chunk

[DBT]

Def. need to budget shipping and tx fees into your retail pricing.

Paypal POS card fee is 1.9%.

Processing payment without the card (eg over the phone), fee jumps to 2.9%.

Initial hardware cost c. $140.

Uses smartphone (or tablet) via Bluetooth, as UI and uplink.

And here's a picture:

[Eevo]

As a buyer, I love PayPal.
As a potential seller, I wouldn't touch it.

[wbowner]

There are scams involving paypal

I had a guy trying to buy my car via PayPal. He claimed he worked on a oil rig and would have some one pick it up for him.

He didn't see the car just wanted to buy it. I smelt a rat before it went further but took a bit of getting rid of.

Richard