PayPal
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dandy72 wrote:
...except I've never heard anyone say anything bad about my bank. I can't say the same about PayPal.
Touché. :laugh: Can't say I'll stop using PP, but yay for options.
Jeremy Falcon
Jeremy Falcon wrote:
yay for options
Well, true dat. I've personally never had to deal with them, but with all the horror stories floating around, I'm perfectly happy to continue without having an account with them. Not to mention that I've received enough PayPal phishing emails over the years that I wouldn't want to have to figure out whether any of it is legitimate or not.
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I use Pay Pal only to pay for items. The only time I had a complaint against a seller, Pay Pal handled it promptly.
Mongo: Mongo only pawn... in game of life.
Yay for PPPPPPPPP (Praising PayPal's Prompt Professionalism Pertaining Periodic Payment Problems).
Jeremy Falcon
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Jeremy Falcon wrote:
I'd wager the only diff is you and this guy didn't have to put in banking details because Interac already had them
It goes one step better than that. The link that is emailed is one that goes to Interac's service, and from there, I pick my bank from a list; the link to my bank goes to my bank's login page. So, all Interac knows is what bank I use, and a temporary token returned by my bank's login process.
Jeremy Falcon wrote:
So, if you think Interac serves a purpose, then so does PP. They're just two competing services
...except I've never heard anyone say anything bad about my bank. I can't say the same about PayPal.
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I use Pay Pal only to pay for items. The only time I had a complaint against a seller, Pay Pal handled it promptly.
Mongo: Mongo only pawn... in game of life.
I had the same experience. I purchased print cartridges online which didn't arrive. The phone number on their website just kept ringing. There was no email address to contact them. I complained to PP and they refunded my money in about three weeks. I also raised a ticket with the police but heard nothing from them. I assume the site is still on the Net. I also use PP to transfer money to my grandkids in Australia and have never had any problems with that either. The only annoyance is that I used to be able to transfer Australian dollars, even though I didn't own any. It was cheaper than transferring British pounds, which had a higher exchange rate. They have stopped that in the new version of PP. The last time I transferred any money, the only choice I had was British pounds. It used to show all the currencies.
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Remember your password. I forgot it once and resetting it is (luckily) not as easy as clicking the "forgot password" button :)
Best, Sander arrgh.js - Bringing LINQ to JavaScript SQL Server for C# Developers Succinctly Object-Oriented Programming in C# Succinctly
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
Don't buy anything via Paypal if it's over £100, use a credit card instead and get Section 75 protection. Use a credit card via Paypal and you lose this. [This is UK of course]
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Chris Losinger wrote:
counteranecdata: .... never had anything like that happen ...
I Bing'd the given phrase and observed the complaints. So far, the initial observation supports your contention; i.e., apparently the complaints are cases of mismatched expectations. e.g., I understand that thousands of people hate Fords/Chevys/Dodges/etc. I'm certain that people are upset with Merrill Lynch and Charles Schwab. I have even seen stuff on the internet (never in real life) that there are actually people who don't like Microsoft Windows :laugh: but I just can't believe it. Anyway, the adjusted expectation of a three week delay on your first transaction really isn't so terribly unreasonable; what with today's creeps in the world.
C-P-User-3 wrote:
the adjusted expectation of a three week delay on your first transaction
I occassionallly sell stuff on eBay (maybe half a dozen times a year) and my payments are withheld for three weeks every time. [Edit] I'll just add that my account is about 8 years old, so not a new account either.
Ah, I see you have the machine that goes ping. This is my favorite. You see we lease it back from the company we sold it to and that way it comes under the monthly current budget and not the capital account.
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
You didn't mention what it is you want to use your PayPal account for. If it's just to buy and sell stuff, then the topic is pretty much covered by earlier comments. If, on the other hand, you're considering PayPal as a payment gateway for an app you're writing, then I would urge you not to do so. I was about to go live with them once, but the Sandbox suddenly stopped working. It took 18 days to get a useless reply from their merchant account support team.
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
If you change your country and want to add a new card from that country you'll need a new account. Accounts are bound to the country you open them in. This was a bit of an issue for me, but nothing major. If you are expecting to receive over 2000€ then your money will get locked until you confirm your bank details. This is done in the EU against money laundering. My company sent me some cash as my bank is slow with transfers and I was going on a business trip. The next time they sent money again over Paypal and triggered the protection and I had to do bank verification within 30 days in order to clear the account protection. I was able to use the paypal funds, but still it was annoying. On the other hand Paypal.Me is useful when you want to send money to your friend and don't have the cash.
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I recently sold some hardware over an auction site, and received payment (from the private individual who purchased it) via Interac. I didn't have to send him any of my banking details, nor did I have to know any of his. There's a short description of how it works [here](http://www.interac.ca/en/faq#faq\_140) With this, I see little reason for PayPal's existence.
Isn't Interac Canada-only?
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Jeremy Falcon wrote:
yay for options
Well, true dat. I've personally never had to deal with them, but with all the horror stories floating around, I'm perfectly happy to continue without having an account with them. Not to mention that I've received enough PayPal phishing emails over the years that I wouldn't want to have to figure out whether any of it is legitimate or not.
You've never received phishing emails pretending to be your bank?
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You've never received phishing emails pretending to be your bank?
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Isn't Interac Canada-only?
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...except I've never heard anyone say anything bad about my bank. That must be a first! Please tell, which bank do you use, and I'll change my account asap...
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
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Pay for something from overseas.
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Pay for something from overseas.
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
Don't know is this is any use, as it depends on what you want PayPal for, but my client just used a service called TransferWise[^] to send me a payment from Australia, to South Africa. He did this just after 15h00 SAST the last Friday in 2015, and even for local inter-bank transfers, that's cutting it fine. Our delays, under normal conditions, on interbank transfers range from 0 to 3 days, but only some banks offer the 0 days option, at a fee. So I send you money today, you get it tomorrow, or two days after tomorrow. Now often transfers done after or even close before 15h30 (standard bank closing time) are only processed the next day, so I send you money late today, you get it minimum the day after tomorrow. TransferWise say an international transfer using them should take "1-4 working days", but they will "only send or receive your money during regular banking hours". I googled the time in Sydney when he made the payment, and it was a little over 00h00 there, and that is surely outside of normal banking hours nearly all over. With Monday being a holiday for New Years day*, even a local payment made that time Friday I would have to wait until Wednesday for the money. On Tuesday I received a mail from by bank requesting some mandatory compliance information, and had I been certain as to what to reply, would have received the money that day already. I delayed until last (Tuesday) night before replying to my bank, expecting only a helpful response some time today at best, and a no-go at worst. This morning at 07h30 I received an SMS that my bank had already received the funds, exactly the same time as for a local transfer, and might have even been quicker had I not delayed. * In my mad country, if a would be holiday falls on a Sunday, we get the Monday as one in compensation. Hell, last week we even got Monday and Tuesday for Christmas and 'Boxing' day, whatever you call the 26th December locally. :)
Follow my adventures with .NET Core at my new blog, Erisia Information Services.
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
Just a few from my brain. 1. If you are a business, you probably DON'T need to pay the $30/month for virtual terminal. 2. The invoicing is pretty powerful and easy to use for your customers. 3. No reason at all to keep money in Paypal. 4. Most of the time it is better to pay with paypal through your credit card, even though they try to push you to pay with your banking source. 5. If there is fraud, Paypal is MUCH BETTER than Google w.r.t. refunding lost money, in my experience (found out when a backup hard drive was stolen from my car!) 6. The SDK for payments is pretty slick, even if you need to roll your own. 7. You can set up multiple emails to deposit money into the same paypal account. 8. Use tricks that gmail has for addresses segregating payments eg. in gmail davidc@gmail.com, david.c@gmail.com, davidc+paypal@gmail.com are all equivalent
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Question for those experienced with PayPal. What would you have liked to have known before you established your own PayPal account ? What advice do you have for someone before he sets up his own PayPal account ?
Just a few from my brain. 1. If you are a business, you probably DON'T need to pay the $30/month for virtual terminal. 2. The invoicing is pretty powerful and easy to use for your customers. 3. No reason at all to keep money in Paypal. 4. Most of the time it is better to pay with paypal through your credit card, even though they try to push you to pay with your banking source. 5. If there is fraud, Paypal is MUCH BETTER than Google w.r.t. refunding lost money, in my experience (found out when a backup hard drive was stolen from my car!) 6. The SDK for payments is pretty slick, even if you need to roll your own. 7. You can set up multiple emails to deposit money into the same paypal account. 8. Use tricks that gmail has for addresses segregating payments eg. in gmail davidc at gmail.com, david.c at gmail.com, davidc+paypal at gmail.com are all equivalent and go to the same gmail account.
