Question:
Hello. I have seen quite a few sellers specify that they accept PayPal with bank debit only–no PayPal payments using a credit card. Why is this? Does it cost the seller more if the PayPal buyer uses a credit card? Is it easier for the buyer to reverse the charges after receiving the merchandise? What’s up with this? Thanks -Mark
Response:
Kris: So, if you run into one of these types of sellers again, email them before you bid and tell them that they cannot decline your use of a credit card through PayPal…..and that if you win the auction, you will pay via credit card 
I would expect his reply to say "Do not bid on this auction."
Then – Do not bid on the auction. Craig
Response:
My main concern was to not make it easier for a buyer to deny the charges after he receives the merchandise. Thanks -Mark
Why would they want to do that? Kris
Response:
Why would they want to do that?
If I’m the seller, it would only happen if the buyer is a scammer. Does accepting PayPal payments made via credit card leave me more exposed to such scams than other methods of payment? If so, then I might not want to go that route.
Response:
So, if you run into one of these types of sellers again, email them before you bid and tell them that they cannot decline your use of a credit card through PayPal…..and that if you win the auction, you will pay via credit card
I would expect his reply to say "Do not bid on this auction."
Response:
Why would they want to do that? If I’m the seller, it would only happen if the buyer is a scammer. Does accepting PayPal payments made via credit card leave me more exposed to such scams than other methods of payment? If so, then I might not want to go that route.
I dunno; I’ve never had that happen. Maybe it depends on what you sell? If you sell "boys’ toys", you’re more open to fraud no matter how they pay. Kris
Response:
It’s because in order to accept credit cards, you have to "upgrade" to an account where you are charged a fee to receive money (on all transactions, not just credit card ones). As long as they just do bank transfers a la a "personal" account, it’s still free.
Ah. So because I "upgraded" my account a while back, I won’t see any difference in cost based on how the buyer pays? My main concern was to not make it easier for a buyer to deny the charges after he receives the merchandise. Thanks -Mark
Response:
Hello. I have seen quite a few sellers specify that they accept PayPal with bank debit only–no PayPal payments using a credit card. Why is this? Does it cost the seller more if the PayPal buyer uses a credit card? Is it easier for the buyer to reverse the charges after receiving the merchandise? What’s up with this? Thanks -Mark
It used to be that you could specify "no credit cards" and save PayPal fees. Now, sellers who accept PayPal for eBay sales *must* accept credit cards. So, if you run into one of these types of sellers again, email them before you bid and tell them that they cannot decline your use of a credit card through PayPal…..and that if you win the auction, you will pay via credit card Kris
Response:
It’s because in order to accept credit cards, you have to "upgrade" to an account where you are charged a fee to receive money (on all transactions, not just credit card ones). As long as they just do bank transfers a la a "personal" account, it’s still free. Ah. So because I "upgraded" my account a while back, I won’t see any difference in cost based on how the buyer pays? My main concern was to not make it easier for a buyer to deny the charges after he receives the merchandise.
==== What’s wrong with your merchandise? =====
Response:
My main concern was to not make it easier for a buyer to deny the charges after he receives the merchandise.
Selling crap? Craig
Response:
muttered something like: I have seen quite a few sellers specify that they accept PayPal with bank debit only–no PayPal payments using a credit card. Why is this? Does it cost the seller more if the PayPal buyer uses a credit card? Is it easier for the buyer to reverse the charges after receiving the merchandise? What’s up with this?
It’s because in order to accept credit cards, you have to "upgrade" to an account where you are charged a fee to receive money (on all transactions, not just credit card ones). As long as they just do bank transfers a la a "personal" account, it’s still free. However, ebay recently declared that sellers are not allowed to do this–if they’re going to accept paypal at all, they have to accept it either way: <http://pages.ebay.com/help/pay/paypal.html "Please note: Sellers who offer PayPal as a payment option on eBay (either using logos or text in the item description) must accept all forms of PayPal payment including account balance, bank account transfer, and credit cards as per eBay.s PayPal Payments policy." -Bertha — "In my culture, I would be well within my rights to dismember you." — Teal’c
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