I'll be looking for a paypal alternative

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Daniel said:
Western union is much lower cost for larger transactions. it is in the small ones that they will eat you alive. I can send payment for pen mill orders by western union for $15.00 where Pay Pal would be $60-$70. Just like anything else you have to shop for the best deal. the problem with western union is I have to run down to their office to make the transaction.
Accepting checks or money orders is the worst for me. I don't do the banking, my wife does so it involves her having to make a trip to the bank, then she has to watch for the checks to clear and then let me know so I can transfer the funds to my pay pal. basically mixing penturners money with my personal finances is not a good thing and has lead to some problems in the past. basically we have real life going on and are not necessarily thinking about a $100 check that is clearing in our checking account.
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Daniel, who allowed you to have a life? I go robbed I tell ya.

Yeah, Western Union will kill ya on the small amounts. They used to have a service called bidpay that wasn't too bad, a couple bucks to send a certified money order for you, but that went away as Paypal gained momentum.
 
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here is a bit of continuation on all this. I ended up having a problem with charges being made to my pay pal account that I did not want being made (long story but semi a scam). So I canceled my debit card on the account and asked for a new one to be issued. It seems the requirements for a debit card are that now you need to have a credit card on file with paypal. I don't own credit cards so I cannot get a debit card for my pay pal account now. So I am also now looking for an alternative that will issue a debit card. I listed all the alternatives on this thread and wil start looking at them.
 
I recently bought some blanks on Ebay from a vendor and paid priority shipping. After 10 days of nothing I emailed them and got an answer that there were shipping problems and that the package would go out right away. At the 3 week point of no mor answers to my emails I filed a claim with Paypal. Two days later the claim was settled and my money returned. Ebay and Paypal are great for a buyer as a loss is insured by them and refunded up to I think $2500. As for a seller, well if you sell to a thief you may get burnt, unless you ship thru Paypal shipping. I find their shipping cheap compared to making a trip to and standing in line at the Post Office. This way Paypal has a record of the shipment and the delivery. Now for the customer that says your product was misrepresented, well there is no help there. I hope those of you that experienced this at least got your merchandise back. For the seller that was involved in the purse incident you have to understand that there are idiots that look at a picture and never read the description, and don't know how long an inch is to begin with so measurements will not do you any good for them. Paypal only makes money if the buyers keep buying, so even if you are footing the bill they see the buyer as the one to please. I haven't been burned to the point of a loss yet, just to frustration. I think a loss would put me over the edge.:mad:
Stephen:peace:
 
I know this is a late post on this topic but I wanted to relate my experience with the eBay/PayPal dispute resolution process.

I ordered a used GPS unit that turned out to not be fully functional as indicated in both the eBay posting and in an email I received from the seller.

Once I realized the unit wasn't fully functional (you couldn't download any map updates to the unit) I contacted the seller and his position was that it worked fine when he sent it to me. I then submitted an official dispute with the PayPal dispute resolution center. They looked over the sellers initial posting and our communications and indicated they had awarded me a full refund providing I sent the unit back to the seller and posted tracking information with them. I did all of that but for some reason PayPal said my tracking number was invalid and they were then reversing their position and thus denying my claim. Needless to say, I was dumbfounded and responded with a copy of the tracking number, which by then, showed that the seller had received and signed for the returned unit. The initial reply by PayPal was that the last decision was final and there was nothing I could do about changing it. That really made me mad and I started probing the PayPal website for additional contact information. I finally found a phone number to call. After explaining my problem the person on the phone said all I had to do was to submit an appeal to the resolution board and they would then review my case once again.

After about two weeks of hearing nothing, I got an email saying they had reviewed my case and were depositing my money, including all shipping costs into my account. Two days later I had my money.

The downside was that I was not able to post a feedback for the seller on eBay since the transaction simply disappeared from the records - just like it had never happened. I was tempted to buy something (anything) from him just so I could give him a negative feedback and comment but decided it wasn't worth the effort.

Bottom line, PayPal came through for me in the long run. The process was painful but it was well worth it to me as the transaction was over $100.

Some folks simply don't like PayPal because of their fees. While I don't like them, there aren't many other choices for doing business over the internet and that is, for the most part, pretty hassle-free for myslef and my customers. You have to pay for the convenience of the services offered. As I see it, it's just part of the cost of doing business.
 
i stopped using paypal simply because they now do not in many cases let you use credit cards with them for payment, unless you let them have access to a bank account. No way! Consequently I use checks and occassional money orders. If a seller won't accept them or credit cards, i don't need the item.
 
leaycraft said:
i stopped using paypal simply because they now do not in many cases let you use credit cards with them for payment, unless you let them have access to a bank account. No way! Consequently I use checks and occassional money orders. If a seller won't accept them or credit cards, i don't need the item.
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Same here.. I don't need anything in that much of a hurry, so I don't mind
waiting for a check to clear. If needed, I'll send a money order. I've been
burned by PayPal before (even with proof) and once Ebay made it mandatory
I said goodbye to both of them.

They make fraud too easy and they pander to the buyers without allowing
honest discussion of fraudulent transactions. I don't need them dipping their
fingers into my checking account, thanks.
 
I'll point out that my main problem with Paypal is not the fact that they found in favor of the buyer, but in their refusal to tell me how they came to the decision.

As an aside, the buyer never returned the purse and Paypal refunded the money to us since she didn't complete the dispute. But my gripe about the transparency of the decision stands.
 
Just my 2 cents worth. I have bought and sold on Ebay and used Paypal for about 6-7 years. I have never had a problem, been able to return stuff and have had Paypal take my side in several disputes and saved me several hundreds of dollars. Maybe I am just lucky. I have also never had a personal check for my merchandise bounce or ever had a pen shoplifted from any of my retailers....knock on wood!!!!

Also I got a notification that on money left in Paypal, I have earned $142.33 interest in the last 3 years. They are paying 1.5% which is as good as my bank.

Maybe it is just me.
 
OldWrangler said:
Just my 2 cents worth. I have bought and sold on Ebay and used Paypal for about 6-7 years. I have never had a problem, been able to return stuff and have had Paypal take my side in several disputes and saved me several hundreds of dollars. Maybe I am just lucky. I have also never had a personal check for my merchandise bounce or ever had a pen shoplifted from any of my retailers....knock on wood!!!!

Also I got a notification that on money left in PayPal, I have earned $142.33 interest in the last 3 years. They are paying 1.5% which is as good as my bank.

Maybe it is just me.
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I too have been on eBay and PayPal for more than 10 years now. I think I only had one scam years ago and PayPal took care of it. Things have been running smooth for me. As for the cost well it's hard to get around that's the way it is now and days. Can't beet the speed of the instant business. There are some who just don't trust anything on the net. I do take checks and I don't wait for them to clear I trust the people here are for the most part good. Now if it was a very large check I would probably wait.

I just don't see all the fuss about about PayPal it's been good to me. Now eBay that's another story buyer beware it's gone down hill of late.

Just my 2 cents
Bruce
 
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