Time for me to ask how to deal with an eBay buyer...

airplanenut

Before I get into an argument and risk a neg...

A buyer sends me paypal with a credit card... I send him an email stating I don't take credit cards, and explain how to either pay with a balance with paypal, or mail a payment. Then I got to PP and deny the payment. He responds:

Sir, why did you cancel my payment? Did you run out of this product?

My reply:


Thank you for your promt payment, however, I cannot accept credit card
funded payments with PayPal. Would it be possible to send payment again
with an existing balance, or with a check/money order to:

(my address)

Thanks,


He replies:

Sir, I followed your payment instructions. If you want cash instead,
send me a stamped return envelope with the product.

I haven't replied yet--how should I handle it? He's been on eBay since last May, and has a feedback rating of 6, with none left by himself. I don't feel like sending him something and waiting for his payment... my terms were clear in the auction and read:

"Payment: I accept Paypal (no credit cards), money orders, or checks. Money orders and cashier's checks will ship as soon as possible. I will hold personal checks until they clear (up to 14 days). Payment is expected within 10 days, unless a prior agreement is made."


Any thoughts?

Thanks,

Jeremy

PS- A rant... when someone does a purchase on ebay and an instant payment, the paypal email doesn't tell you that it's a CC payment... it just says "completed." Good thing the last buyer was ok paying a different way after it was shipped--now I have to check each one...

Bubblehead

Boy... This looks like the beginning of another saga, to me?

rottnrog

I have always believed that if you don't accept CC's thru PayPal that you shouldn't have it as a choice!!

JrGMan2004

You could just set-up another PayPal acct to accept just CCs on, and use your Personal accts for everything else... but, get payment before shipping product... if it was someone I knew well, and trusted, like people here on the forums, I would send first... but in this case... yeah... was cash listed as an acceptable payment in your instructions? Otherwise, tell him again what you accept... I'm sure someone else will come up with a better solution to your dilema...

Russ

<< <i>Sir, I followed your payment instructions. >>



No he didn't. Tell him that, quote it back from the auction description and your eMail, then suggest a remedial reading course.

Russ, NCNE

MSD61

Hi Jeremy,

First off he did not abide by the terms you had stated on your auction as far as payment. You made it very clear why you refused his payment via credit card and gave him clear options. I had this very thing happen to me and what I did is exactly what you have done. I even sent a new invoice making my payment terms very clear. If this buyer does not want to abide by your terms then I feel there is no deal. Just stick to your guns!

relayer

When you check you accept PayPal, they automaticaly insert the credit card logos and there is nothing you can do about that. They will never tell you if the payment is funded by CC or a balance because they don't want you to know how few people use credit cards and they can charge 2.9% for every transaction.

I'd send him an email saying

Sir, I do not have a merchant account with PayPal, only a personal account so PayPal does not allow me to receive credit card payments. Please refer to the auction #xxxxx where the payment instructions stated NO CREDIT CARDS thru PayPal.

There is no problem with you sending me a PayPal funded as an instant transfer from your checking account. As an alternative you can send a check (held 7 days) or money order (no hold) and I can ship your coins upon receipt of payment.

Thanks

Jeremy

Edited - Auction does state No Credit Cards

airplanenut

<< <i>You could just set-up another PayPal acct to accept just CCs on >>

Can multiple accounts be tied to one bank account? Besides, that could be a pain...

airplanenut

<< <i>I assume your auction never stated you don't take credit cards, only balance transfers with PayPal. If you did, then you should refer your buyer to that. >>

Says it as straight forward as can be

Cladiator

HAHA,

I feel your pain man! I had some auctions close today and just got a credit card payment via Paypal for one of them. I too refuse to take credit cards with Paypal. This is more than clearly noted in my auctions and the "congratulations you won" email I send the buyer after close of auction. I just canceled his credit card payment a minute ago and sent him an email politely telling him what the skinny is. Can't wait to hear his response lol

relayer

<< <i>Says it as straight forward as can be >>




I'm as dumb as your buyer. I missed that so I edited my post.

Just send him a polite and professional email stating the facts. He is probably just intent on being a moron, though

Dog97

Not everybody is as savvy as us here on this board where we share all our troubles & problems as buyers & sellers and know how to do it everything "right."
He probably don't have a clue as how to send $$ from an existing account, he might not even have an existing account and just has a credit card only and doesn't understand how PayPal works, all he knows is that PayPal is synonymous with credit cards and doesn't understand why he can't use it to pay you over the internet.
So tell him this: Dear sir: Send me a check or money order within 10 days or I will be forced to report you to eBay as a Non Paying Bidder. Thank you, JK etc etc whatever
Then if he doesn't pay you file for FVF credit and relist the item.

hookedoncoins

Same thing happens to me when I sell on eBay. So many people don't actually read the terms of the auction.

I agree with Russ. E-mail him back, quoting the item description. It also might be that this seller doesn't know the difference between credit card paypal and other forms of paypal. You might want to try explaining that further.

Barry

Can multiple accounts be tied to one bank account? Besides, that could be a pain...

No, you'll get an error message saying that bank account is already used by another account. I have both accounts, but rarely use my Premier acct. I set it up specifically for some of the Euro sets I sold, which are most commonly bid on by Europeans - with currency exchnages it's the path of least resistance. I set up one account with my bank account, the other one without it, and I just have them mail me checks from time to time (they charge $1.50 for that privilege).

With regards to this buyer, give him one last chance, quoting the "no credit card" line in your auction. If he still acts like an imbecile, block him and file a NPB with the reason being he didn't comply with terms of the auction. If he negs you, neg him back, then reply to your neg simply saying "buyer did not comply with auction terms." No insults, as much as you would like to.

joeyuk

With all this no credit cards thru paypal everyone is starting to sound like Russ used to.

RYK

I have always believed that if you don't accept CC's thru PayPal that you shouldn't have it as a choice!!

I tend to agree with you.

goose3

when I sell, which is rare, I NEVER select paypal as one of the options because if you do it shows little pictures of various credit cards which makes people think they can use them.

I don't select it as an option but state I do take it in my description and clearly state no credit cards and even state the same on notification emails.

moosesr

I had a similar situation where the person tried twice to pay with a credit card thru PayPal. After about three or four emails and a telephone call they finally sent me a money order. I like what Goose 3 said about how he handles PayPal on his auctions.

when I sell, which is rare, I NEVER select paypal as one of the options because if you do it shows little pictures of various credit cards which makes people think they can use them. I don't select it as an option but state I do take it in my description and clearly state no credit cards and even state the same on notification emails.


That sounds like a great idea from Goose 3, I think I will try doing that on my auctions in the future. I think you are right Goose 3 about the credit card pictures causing the confusion with buyers.

Charlie

Bochiman

Jeremy,

I went through this on both of my only 2 sales on ebay in December.
I did want Russ has suggested and sent back, in email, the quoted portions of my auction that stated NO credit card payments through paypal.
One guy never replied and the other one too a bit to get the hint.

What I did for the non-replier (found out later he wasn't getting any mail, but he could send) was call him. Use ebay's system to get his contact info and call him. He said he was very glad I did (I left him vmail and he called me back the next day) and then he went right out to get the MO and sent it within a day.

So, call him and see what is going on. Emails back and forth can be miscontrued and can cause problems.

Ron

dbldie55

Been through it more than once. Everytime I have denied a payment and sent an email with explanation, they understood.

JLW

2.9% is no big deal to me, I quit fighting it as people don't pay attention to the details anyway. It's worth it to me in time saved in the long run.
Joe

airplanenut

He got it right the second time

relayer

Some folks just need a little extra help in their lives

cherrypickincoin

The agreement is in the fine text. In other words, what you wrote in the auction description holds more water than the credit cards on the PayPal logo. It's like an online clothing company selling a shirt, the one pictured is not always the one you will receive but it will generally say that somewhere. By stating that you do not accept credit cards, that is more than enough. He did NOT follow your instructions, simply tell him that.

Boom

Here is another tid-bit of info for all who have Premier Business Accounts like I do. In your payment instructions tactfully mention that PREFERRED method of payment on larger amounts is via E-check, wheras the buyer actually pays out of his or her personal checking account. Let's say an item costs $1000...instead of being eaten alive by the paypal fees you simply incur a flat fee of $5.00. I stumbled upon this totally by accident the first time a buyer sent me $2500 in this fashion and was overjoyed to find that I netted $2495.00
If you make any negative statements of pay pal or ebay fees, particularlly the latter- I have personally seen ebay yank a sellers entire auction. Just something I thought you would all find interesting and to actually be excited about! Saves abunch of money!

Boom

Another thing...if someone slides a credit card in on your personal account, pay pal automatically upgrades you to a business account. You may however revert back to a personal account only once under that account's Name. After that , you have a business account and cannot return to personal unless you close the account and open a brand new one with a different email address. Personally, for all my records literally at my fingertips, this small fee I don't have a problem with. But trying to withdraw your own money or being limited as to how much you can pay say your own credit card statement is for the birds.

In the long run I suppose having ease of payment from the customers' standpoint increases your sales so what the heck!

Russ

<< <i>Another thing...if someone slides a credit card in on your personal account, pay pal automatically upgrades you to a business account. >>



No, they don't.

Russ, NCNE

BAJJERFAN

If you have both a personal and a premier accounts and accept PayPal then payment will default to the premier account per the paypal site. I usually say that if you want to pay with a credit card the email me BEFORE bidding. Since I have to use someone else's account I say a fee or split the fee is necessary. You may want to put your payment info first to make sure that it gets read.

RYK

We should petition Carol for a separate forum category for ebay misadventures. I bet it would be active.

coltgus

I thought Paypal(no credit cards), money orders, etc. meant :
I accept Paypal and those other things but don't send me your credit card number.
It is clear now that Paypal(no credit cards) means :
I do not accept credit cards through Paypal.
It is likely many would make the same mistake I did.

jakebrake77

Don't have that problem. I will not buy from a seller that won't take my check, MO or Draft. I see it more and more on ebay, seller won't accept the previous forms of payment. I don't need that Seller!