Is it to hard to understand?

WWBillman

I just had 2 auctions end one for $3200.00 & the other $465.00. I clearly state in my auction "I accept Paypal (No Credit Cards)" I also state in my email to the buyers "I accept Paypal (No Credit Cards)".

Both buyers send a Credit Card payment through Paypal?

I am forced to refuse payment and contact the buyers pointing out that it was clearly stated in the auction & email that I DO NOT ACCEPT CREDIT CARDS. The buyer on the $465.00 coin has sent payment through Paypal using his bank account the other is still in limbo.

What is the big problem here?

airplanenut

The problem is probably in the "I accept paypal (no credit cards)"

karna68

I've had that happen too, I guess they're just not paying attention. I've seen a lot of sellers say that too, you would think it would be a consensus that not everyone takes credit cards through pay pal. Ah well...

FC57Coins

Bill:

If the money is transfered from a credit card to paypal to you, what difference does it make? I always thought this was the benefit of paying through paypal?

Frank

RegistryCoin

me too, frank.

supercoin

That statement could easily be read differently, i.e. you accept all Paypal payments but don't directly accept credit cards.

I think you need to be more explicit, or, personally, I'd rather let buyers pay however they want. The theory being even a slight increase in bidding interest will more than make up for any additional fees you have to pay over the long run.

This time around, how much extra does it cost on $3200? Might not be worth the aggravation of relisting, and hoping you get another buyer.

supercoin

FC57Coins, RegistryCoin... the fees to the seller are somewhat higher if the buyer pays with a credit card. At least if you've got a merchant Paypal account.

WWBillman

Frank,

The difference is to accept credit card payments I would have to upgrade my personnel account to a premier account. Premier accounts are charged a 2.9% fee on all payments received credit card or not. A $3200.00 payment would cost me about $100.00 in fees to accept. I would not mind upgrading if the buyers would pay the fees but it is against the rules to charge a buyer on ebay the fees associated with a payment.

supercoin

Ah, even worse. I didn't know the Personal accounts even allowed you to accept that much money any more under any situation.

Placid

"I accept Paypal (No Credit Cards)"

Not very clear. You should change it to
"I accept Paypal from checking or existing paypal funds-no credit cards thru paypal".

WWBillman

Supercoin,


<< <i>That statement could easily be read differently, i.e. you accept all Paypal payments but don't directly accept credit cards. >>


I have always understood that anything put in parentheses applies to the statement preceding it. Am I wrong?

Placid

No you are not wrong, but not everyone is a english grammar expert

WWBillman

I guess I will have to start being a bit more specific from now on.

RELLA

I was following these auctions and noted what you stated about PayPal...as a seller who accepts both kinds of PayPal payments I understood it but I guess I could see it being confusing to others. I price in the extra 2.9% when figuring the reserve on my auctions...when buyers of my coins use other methods of payment I usually try to figure in a discount post-sale on future items they buy from me as a thank you for saving me the additional transaction fees.

RELLA

Bill...sending you a followup PM on what we discussed earlier.

TWODOGS

I have "Please, no personal checks." in bold, (Now red.) in my listings and also in my notifications. People wrap personal checks, written on "The Bank of Billy Bob and Ray" in Pigwallow, Arkansas in those same notifications and mail them as payments. NOBODY reads listings all the way through.

RegistryCoin

I never knew, until now, that there were two kind of paypal payments. I've never been a seller and only use paypal for small, non-coin purchases. I won't let paypal have access to my bank account. That's why I thought the only reason to use paypal, was to handle credit card payments.
Makes sense now. Live and learn.... Thanks.

keithdagen

Bill,

Try wording it as "I only accept PayPal payments from bank accounts or PayPal balances. I cannot accept credit cards, directly, or through PayPal."

If you hit enough sales, they'll force you to be a merchant account anyway. I had to do that when I sold my Modern Commem set.

Placid

I have a question. Is it against eBay rules to state that you do not accept cedit cards thru paypal unless the buyer is willing to pay for the extra paypal fee of 2.9% ?

supercoin

No you are not wrong, but not everyone is a english grammar expert

As evidenced by the title of this thread, for example.

(Just a joke! Best of luck completing the sale.)

supercoin

Placid, yes that's against eBay rules.

It's also against the Visa/MC rules if you accept credit cards directly. They don't want any impediment to someone using their cards. However, you can offer a "cash discount" -- go figure. I'm sure they'd do away with that too if it was legal.

prooflike

It doesn't matter how you word the Paypal no credit card bit, there are those who have a deficiency in reading comprehension. I think many people don't realize that they are paying with CC via Paypal and think Paypal is paypal.

It used to be that Paypal would allow a max of $100/month on any transfers(cash/credit) on the personal accounts, they have lifted that limit ever since personal accounts can only do cash transfers.

The fees for Paypal premier accounts is 30 cents + 2.9% on any transfers, both cash and credit. I think there is a volume account that is 30 cents and 2.4%

I have received money orders before with no indication of whom or what it is for, nor any info on the envelope. Have to either correlate the amount paid or the issuing town of the money order to figure it out.

I am totally amazed at how some people function in this world.

BNE

I'm afraid I would have been confused (or not cared sufficiently) by the statement in the auction when presented with a PayPal screen that ALLOWS me to pay with a credit card. Hell, I'll take the miles! Is there a way to bar PayPal from accepting a credit card for a transaction? That's really the only way to go if you want to make sure this doesn't happen again, IMHO.

keets

hey bill

i think you should just change your paypal account to accept credit cards and pony-up the extra cost that's included. in the long run you'll probably benefit. i've always considered paypal to be a feature that made it easier for buyers. if it attracts bidders to your auctions and allows them another payment option, so much the better.

al h.

WWBillman

Well the second buyer made an Echeck payment through Paypal so all worked out.

As far as upgrading my Paypal account, I do not sell a whole lot on ebay but when I do I like Paypal payments due to the speed at which a transaction can be completed.

For now on I will be more specific in my auction listings and if I do decide to upgrade I will just have to incorporate the Paypal fees into the starting bid and maybe offer a discount if payment is made by check or money order seeing how at that point even a non credit card payment through Paypal will be charged the fees.

Clankeye

Say what you will, but sometimes you just have to love this whole system. Put a coin on eBay this morning, someone hit the BIN, paid instantly with Paypal, and I already am back from the post office. I've been paid and they should get their coin Friday or Saturday.

When it's hitting on all cylinders, this stuff is pretty good.

Dog97

WWBillman there is nothing wrong with your wording. What is wrong is that buyers just don't read the listing. They just see the picture and bid.
When I sell something on eBay I put in the title FREE SHIPPING and in the body I put FREE INSURED SHIPPING so bid your max!! What you bid is what you owe and at the bottom in big red words !!!!FREE SHIPPING!!!!
eBay & PayPal sends an end of auction email and notification with the amount they owe but if I sell 20 coins 5-10 buyers will send me an email a week later saying "How much is shipping I need to know so I can pay you" or "When are you going to send me a total so I can pay you. Do you still want to sell the coin?"

gemseeker

Many people don't read the auction listings completely (or misintrepret the listing). I can see where they could have thought of "no credit cards" as relating to the use of MC/VISA direct charge transaction. In many listings, I have seen where the seller says "NO PAYPAL/BILLPOINT ACCEPTED" and the seller will only accept direct Credit card transactions. In your case, since you placed the "no credit cards" besides the word PAYPAL, that would imply that the credit use of PAYPAL was not acceptable. But I can see where someone might not think that way. To clear out any doubt, I guess the best thing to do was to say that the credit feature of PAYPAL was not acceptable. For most people, PAYPAL is transacted using a Credit Card.