Is paypal crap?

[Damon]

Hi Croton,

There is no way to stop charge backs. This is a guarantee credit card companies have offered to consumers. We have a way for users to protect themselves from these if they follow a set of rules. We do a great deal of screening to prevent credit card fraud and we have internal measures to catch it. The fact is, you can be protected from these if you follow a set of rules and credit card transactions always carry the risk of charge backs.

Protect yourselves by following the details of the Seller Protection Program. We are the only company that offers this to users using electronic payments (to the best of my knowledge).You are eliminating your liability for charge backs by following the guidelines.

 

[Croton]

Paypaldamon,

Why don't you help the traders that have been frauded? In EVERY post you make, you tell us to follow these 'rules.' Well, some of us have been F*CKED over, but you have offered no solution.

Let me give you a scenario:

I got mugged last week, and my wallet was stolen ($150) was in it. I decided to post it on the forum. Then you come into the thread saying, "Don't carry so much money. You should have been more careful in the first place."

NO SH!T.

Don't tell us what we SHOULD HAVE DONE. Come up with a viable solution for the people that have already incurred chargebacks. Saying that we should have done this, done that isn't very helpful.

I guarantee you, if you started successfully helping the people who have been screwed over in their deals, hundreds of old customers will come back and give paypal another chance. And then your company won't have to see these "Paypal is suck" threads anymore. Run it by your superiors - help the people who have already been screwed, and they will get their customers back.

I don't like being treated as a criminal.

 

[mastaki11a]

Hey Paypaldamon make it so I can get one of your debit cards!

 

[Damon]

Hi Croton,


You are not being treated like a criminal and I am trying to help (by showing how to protect you, and others from credit card fraud/charge backs).


Here is what I see-

Seller-I want to take payments via credit card. Credit cards carry the risk of fraudulent use or charge backs.

Buyer-I want my charge back rights in the event that the seller does not deliver his product.

Seller-I delivered the product and I have proof that I sent it. I don't want to be liable for the charge backs. I didn't know that the transaction wasn't fraudulent.

The company provides the program so that users can accept credit card payments without fear of liability from a charge back. A legitimate, non-fraud user can also file a charge back and I am trying to show how the users can protect themselves from a potential charge back liability.

 

[Michael]

Croton - What should Paypal do? They were charged to cost by the credit card company. They passed that charge back to you. They have a program where they protect sellers if the seller follows a specific recommended course of action. I don't think that policy has changed in a while.

If you had a merchant account with a credit card company, you still could get hit by a charge back. Credit card companies have an authorization program that helps to protect the merchants from the effect of a fraudulent charge, but they still can be hit. I think of Paypal as a merchant account company with an easier to use system.

Allowing credit card payments makes sales easier. You can protect yourself and still accept pyapal by insisting that the money not be a credit card transaction, that it be a direct deposit of funds instead. It will hurt your sales but it will give you some protection. Or you can say money orders only.

Michael

 

[Damon]

Hi mastaki11a,

You can send your request to cardrequest@paypal.com. As an FYI, the social security number will be asked for because it is a condition of our contract with the issuer. If you have already provided the SSN for money market, please feel free to contact me at damon@paypal.com and I will see if I can get a push on it.

 

[Damon]

Hi Michael,

Thanks for your input.

The other option is to follow the details of the Seller Program so that you can still accept credit card payments without fear of liability for the charge back.We are extremely aggressive with deterring fraud, but it does not mean there is not an element of risk with a credit card and we are trying to protect our users to the greatest degree possible.

Sellers can set their preferences under their Profile to accept certain types of payments only (if they are a Premier/Business account). A recipient can choose to receive payments from verified users only, etc.

We offer a lot of tools, and protections, to our buyers and sellers that are not often found in many of the other payment services. These items help make e-commerce transactions safer and reduce the risk.

 

[SnoopCat]

so when is a "completed" transaction ever really "completed"

paypal = suck if not liars. they say something is completed but later its not. If it didnt say "completed" i wouldnt have sent the sh!t out. But u paypal clowns said it was, so i sent it. Doesnt seem right.

i think its time to steal a credit card and use it with paypal. seems as though i will never get caught and the honest user will be left paying the bill.

and something else, i doubt you will be paying additional interest on OUR money. So everyday, you paypal clowns are actually taking our money which has potential future value.

 

[SnoopCat]

eliminate the idea of unverified accounts, obviously it is not working for alot of people.

 

[Michael]

SnoopCat - Paypal already offers you the choice of refusing transactions with unverified accounts.

Michael

ps - I really do not like the fact that payment defaults to my chequeing account. If I'm going to write a cheque, I'll send one by mail. There is no way to make payment default to credit cards.

 

[Damon]

Hi Snoopcat,

I would ask you to review the terms of use. I would also ask you to review the terms of use for merchant accounts and other payment services relative to credit card payments and charge backs. Our users are protected provided they follow certain steps from charge backs, which is a relatively unique item relative to credit card processing.

 

[Emulex]

Warning: Damon was laid off yesterday and replaced with a software program.

 

[Damon]

Hi Michael,

Thanks for the input on the send money screen. We are trying to make it easier to decipher that portion of the web site in some future pushes.

 

[DocDoo]

There sure is a lot of heat in here...

I mostly deal with "Money Orders" when I buy or sell something. However, 3 months ago I bought $280 worth of old video game parts (defender, robotron, ect..). The person I bought it from was verified (and so was I). Long story short... After 30 days of "ohh, I will get it out ASAP for you" crap, I filed a report to PayPay. They immediately froze the sellers account and shortly after, was refunded the full amount

 

[BuckMaster]

Croton,
I agree with you 100%!!

Paypaldamon = BLAH! BLAH! BLAH! See rule number 1-10 in the buyer/seller/trader section. Then see section Red,Purple and Orange. Proceed to check out in section A-Z. Please add 2% on all orders so we can FY out of more money. Please Come Again!

 

[Damon]

Hi Buckmaster,

The rules of the Seller Protection Program are not all that complex and it eliminates the liability of accepting credit cards on-line. We verify the heck out of credit cards like most other on-line entities, but it does not mean that it completely eliminates the potential for the card to be used fraudulently. If you would like to accept credit cards, and be protected, then the program has to be followed. You will then not have to fear about losing anything (as mentioned, most merchant and payment services do not offer any protection when dealing with transactions related to credit card charge backs).

 

[Croton]

Buckmaster.


HAHAHAHAHAHAHAHAAHAHA

look at paypaldamon's post - he wrote the EXACT same thing that you said he does.


HAHAHAHAHAAHHAA!!!

 

[SnoopCat]

paypal damon,
so your pretty much saying that we're screwed, and that paypal is not gonna help track these fraud people down and next time deal with verified users?

 

[shawnmos]

hey, i'm an unverified member and I buy stuff using paypal all the time. there is no way paypal is getting my bank info though.

 

[skylark]

"HAHAHAHAHAHAHAHAAHAHA

look at paypaldamon's post - he wrote the EXACT same thing that you said he does.


HAHAHAHAHAAHHAA!!!"

watcha expect from a paypal dronebot? hehe

rehash.. regurgitate.. sounds like a broken record eh?

from following this thread.. even i find it annoying already... in fact his comments are more infuriating than it is helpful to any extent, particular to the guys that got shafted by paypal.

which reminds me.. i need to close my paypal account.. it seems more trouble than its worth..

 

[Bluga]

what's paypal?

 

[CrazyRaider]

Paypal is crap! all they do is take your money!

 

[Damon]

Hi snoopcat,

We pursue all cases of fraud through legal means whenever, and wherever, possible. What I don't understand is how users can think they are "screwed" if we are offering protection through the Seller Protection Program. You are eliminating your liability for charge backs by following the details and it is a point I am trying to hammer home to users worried about losing money as the result of fraud or a charge back.

We verify the credit cards through a wide variety of mechanisms and we have internal processes to detect it. However, if you are accepting credit card transactions, this does not completely eliminate the potential for it to happen. Users can protect themselves from it by following the details of the Program and I have no other response because I am stating the same information. If you want to be protected at all, please participate in the program. Traditional merchant accounts and other payment services do not offer these kinds of protections for the most part.

 

[Josh]

No! It's.....utter crap

 

[Croton]

hey, paypaldamon-BOT replied the same exact thing again!