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paypal accepts discover and american express now

yay now i can finally use my amex blue instead of my overcharged visa...
i wonder if they'll let us pricematch between users😀
 
Sweet. PayPal is great, even with the fees and restrictions. I don't know why so many people moan about them in these threads...1.5% cashback doesn't hurt either (although the eBay 3-week part hurts a bit).
 
no they havent.... blue is new.... not too sure about discover...

paypal's service dept sux though.... need the protection from blue


 
Straight off the site (right after you login):

We are pleased to announce that PayPal sellers can now receive
money from buyers using American Express® and Discover®
Card. There are no additional fees for receiving Amex or Discover
payments, and of course buyers can also choose from their
VISA?, MasterCard?, checking account, or PayPal balance
when paying you.

Looks pretty new to me. 🙂
 
Hi,

This went live on December 13th. My apologies, as I generally throw the information in OT when there are changes. The holidays killed me🙂
 
Only for premiere accounts which means receiving payments will cost 2.9% + 30 cents, right? If that's the case, I like how they misleadingly say no additional fees. Remember that Discover doesn't charge merchants a surcharge.

I understand the need to pay the Visa and MasterCard cartels their surcharges, but I hate how PayPal uniformly enforces the fees on all payment types received. I'm a hobbyist, and not a business, so I'll have to stick w/ a personal account, limitations and all.
 


<< Only for premiere accounts which means receiving payments will cost 2.9% + 30 cents, right? If that's the case, I like how they misleadingly say no additional fees. Remember that Discover doesn't charge merchants a surcharge.

I understand the need to pay the Visa and MasterCard cartels their surcharges, but I hate how PayPal uniformly enforces the fees on all payment types received. I'm a hobbyist, and not a business, so I'll have to stick w/ a personal account, limitations and all. >>



Hmm...I don't know where you have been hiding the last decade, but Discover does charge merchants just like all other CCs. We have a discover mechant account and the fee is between 2% and 4% depending on monthly volume. Discover did of no fee merchasnt accounts back in the early 90s but even that was not "free". In order to get "free" transactions, you needed to maintain a minimum monthly volume.
 
I just got my first chargeback from paypal. ($140) I doubt I will ever see that money. Paypal is not telling me anything, will not respond to emails. I will still use them however. It was my fault for shipping to a non-verified address.
 


<< I just got my first chargeback from paypal. ($140) I doubt I will ever see that money. Paypal is not telling me anything, will not respond to emails. I will still use them however. It was my fault for shipping to a non-verified address. >>



At least PayPal offers the option of chargeback protection with their seller protection policy. BillPoint,C2it,Yahoo PayDirect, etc simply issue the chageback to your acccount and their decision is final even if you have proof of delivery.
 
>>>BillPoint,C2it,Yahoo PayDirect, etc simply issue the chageback to your acccount and their decision is final even if you have proof of delivery.<<<

Are you sure about c2it? Yesterday, for the second time (I asked on 2 occasions 2 months apart and was told the same thing twice), I was assured by c2it that once payment is received in the recipient's account, there is no possibility of a chargeback.
 


<< >>>BillPoint,C2it,Yahoo PayDirect, etc simply issue the chageback to your acccount and their decision is final even if you have proof of delivery.<<<

Umm...yesterday, for the second time (I asked on 2 occasions and was told the same thing twice), I was assured by c2it that once payment is received in one's account, there is no possibility of a chargeback. >>



I can personally guarantee you that C2it will iss a chargeback. We had a chargeback on our first C2IT transaction last June. If you read the C2IT user agreement it also states that you are 100% liable. When the C2IT service first started, they would allow you to create a C2IT account without a linked CC or bank account and you could withdraw your funds via check and not have to worry about a chargeback debit to a linked account, However, they (c2IT) changed their user agreement last August to require at least a linked CC or bank account so that they could debit your account in case of a chargeback. -BEWARE!
 
Hmmm. That certainly completely conflicts with what c2it's reps have been telling me...I had a buyer that ran up against their 4-day send limit yesterday, so he opened a new c2it account and sent funds, which I accepted...then I get a 'bounced' email message from c2it stating 'user does not exist' (email address linked to his new account). I'm about to send out an $800+ item, so naturally I'm concerned about this. So I call customer service and asked 3 different ways, if there is any possibility of a chargeback, and the answer was clear - if payment is in my account, it's safe to send the item and it 'cannot be charged back.' I am going to call c2it tomorrow and get this information on audio tape, so that they can't deny it later, but this is the what their reps are telling people, as of yesterday.
 


<< Hmmm. That certainly completely conflicts with what their reps have been telling me...I had a buyer that ran up against their 4-day send limit yesterday, so he opened a new c2it account...then I get a 'bounced' email message from c2it stating 'user does not exist' (email address linked to his new account). I'm about to send out an $800+ item, so naturally I'm concerned about this. So I call customer service and asked 3 different ways, if there is there is the possibility of a chargeback, and the answer was clear - if payment is in my account, it's safe to send the item and it 'cannot be charged back.' I'm going to call back tomorrow and get this information on audio tape, but this is the information that their reps are giving out. >>



That's a good idea. We took C2it to small claims, but they were a "no show" so we presented our CC company with the court's default ruling and the reversed the debit ($1,400.00) that C2it charged back to our linked CC. C2IT's official policy is thay they do not get involved in disputes between the buyer and seller. However, this is extremely misleading. If the buyer displutes a charge with the CC hat they used to fund their C2it transfer, C2IT automatically passes the chargeback to your C2IT account and then to your linked account. C2It like most of the online payment services does not pass CC validation information (ie the CC billing address of the CC used to fund the transaction) to the seller. Needless to say C2IT revoked our C2IT accounts (Big Deal)
 
buyers can already contact their cc company or paypal to require for the chargeback(within 3 month)..
if you don't have the delivery confirmation and u have sent to an uncomfirmed shipping address then 99%Paypal will let buyers have the money.

As a buyer, don't provide the confirmed address when u pay and u know what i mean
As a seller, always deny the payment if the deny button appear. Do Not Risk, use certified mail if item is over 500 bucks. that's paypal's rule.. i hope this will hlp some ppl
 


<< buyers can already contact their cc company or paypal to require for the chargeback(within 3 month)..
if you don't have the delivery confirmation and u have sent to an uncomfirmed shipping address then 99%Paypal will let buyers have the money.

As a buyer, don't provide the confirmed address when u pay and u know what i mean
As a seller, always deny the payment if the deny button appear. Do Not Risk, use certified mail if item is over 500 bucks. that's paypal's rule.. i hope this will hlp some ppl >>



...Or just setup your payment receiving preferences to only accept payment from members with confirmed mailing address and you don't have to worry about it. You may loose some sales due to this policy from novices, but the online fraud surfers learn real quick not to screw with your auctions since you will not ship to them

BTW - USPS Delivery Confirmation is NOT acceptable as proof of delivery in any PayPal dispute for items over $500. For items under $500 you can still loose the dispute if USPS Delivery Confirmation is your only proof of delivery and you shipped to an unconfirmed buyer address.
 


<<

<< Only for premiere accounts which means receiving payments will cost 2.9% + 30 cents, right? If that's the case, I like how they misleadingly say no additional fees. Remember that Discover doesn't charge merchants a surcharge.

I understand the need to pay the Visa and MasterCard cartels their surcharges, but I hate how PayPal uniformly enforces the fees on all payment types received. I'm a hobbyist, and not a business, so I'll have to stick w/ a personal account, limitations and all. >>



Hmm...I don't know where you have been hiding the last decade, but Discover does charge merchants just like all other CCs. We have a discover mechant account and the fee is between 2% and 4% depending on monthly volume. Discover did of no fee merchasnt accounts back in the early 90s but even that was not "free". In order to get "free" transactions, you needed to maintain a minimum monthly volume. >>



I stand corrected then. Are you sure though that it's Discover who's imposing the surcharge, or the credit card processor?

My general beef though is that premiere accounts charge excessive fees for bank account funded and PayPal balance payments to hobbyists. I'm not whining that it should be all free (like the good old days), but something more like 1.5% or under.
 


<< Or just setup your payment receiving preferences to only accept payment from members with confirmed mailing address and you don't have to worry about it. You may loose some sales due to this policy from novices, but the online fraud surfers learn real quick not to screw with your auctions since you will not ship to them

BTW - USPS Delivery Confirmation is NOT acceptable as proof of delivery in any PayPal dispute for items over $500. For items under $500 you can still loose the dispute if USPS Delivery Confirmation is your only proof of delivery and you shipped to an unconfirmed buyer address. >>



true, but u will want to deny manually, b/c some sellers are selling info. item and the amount of payment is very small, in this case, you wont' want the automatically deny function enable.
 


<<

<<

<< Only for premiere accounts which means receiving payments will cost 2.9% + 30 cents, right? If that's the case, I like how they misleadingly say no additional fees. Remember that Discover doesn't charge merchants a surcharge.

I understand the need to pay the Visa and MasterCard cartels their surcharges, but I hate how PayPal uniformly enforces the fees on all payment types received. I'm a hobbyist, and not a business, so I'll have to stick w/ a personal account, limitations and all. >>



Hmm...I don't know where you have been hiding the last decade, but Discover does charge merchants just like all other CCs. We have a discover mechant account and the fee is between 2% and 4% depending on monthly volume. Discover did of no fee merchasnt accounts back in the early 90s but even that was not "free". In order to get "free" transactions, you needed to maintain a minimum monthly volume. >>



I stand corrected then. Are you sure though that it's Discover who's imposing the surcharge, or the credit card processor?

My general beef though is that premiere accounts charge excessive fees for bank account funded and PayPal balance payments to hobbyists. I'm not whining that it should be all free (like the good old days), but something more like 1.5% or under. >>



DIscover charge a merchant transaction fee just like all CCs processing companies. You can read about their fees on their website click here
 


<<

<< Or just setup your payment receiving preferences to only accept payment from members with confirmed mailing address and you don't have to worry about it. You may loose some sales due to this policy from novices, but the online fraud surfers learn real quick not to screw with your auctions since you will not ship to them

BTW - USPS Delivery Confirmation is NOT acceptable as proof of delivery in any PayPal dispute for items over $500. For items under $500 you can still loose the dispute if USPS Delivery Confirmation is your only proof of delivery and you shipped to an unconfirmed buyer address. >>



true, but u will want to deny manually, b/c some sellers are selling info. item and the amount of payment is very small, in this case, you wont' want the automatically deny function enable. >>



The question is how much are you willing to loose? Your best bet is to set your preferences to comply with the Seller Protection Policy and state this fact in your auctions. IF you start making exceptions, then it is not a policy and the fraud surfers will probe. Any legitimate buyer will be willing to comply with the terms since it is for their protection as much as yours. If not, then you probably do not want their business anyway. For small tansactions, I suggest that you offer BidPay where they send you a MO that cannot be reversed.
 


<< As a buyer, don't provide the confirmed address when u pay and u know what i mean >>



PicPop, what do you mean ??
 
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