PayPal and selling and Heatware question

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ghostman

Golden Member
Jul 12, 2000
1,819
1
76
I think Nik's reply was a reasonable comparison. Your response was a cop-out. Why not answer it?

Following up with what jaybert mentioned, here is an article (admittedly dated) that shows you what COULD happen:
http://msnbc.msn.com/id/3078504/

And why on earth would I want to rely on a 3rd party (paypal, CC company, whoever) to determined whether I'm going to get screwed. It's a waste of time, a waste of effort and, possibly, a waste of money. Not to mention, I doubt your CC company would appreciate all the charge backs. Heatware provides some level of assurance.
 

AnyMal

Lifer
Nov 21, 2001
15,780
0
76
Originally posted by: Liver
Gents,

My two assumptions for this reasoning is using credit card PayPal as payment, and buying in the United States.

Why does it matter who has how much Heatware? If I buy something online with my credit card and it is not as advertized, it counts as online fraud. Online fraud is covered 100% from my credit card (Platinum MBNA, Platinum equiv Optima AMEX).

Why do people still insist on having someone ship something first when they will pay with credit card PayPal? I can almost understand that it is more of a hassle (if the item is not as described, or never sent), but it is not that convincing of an argument.

I totally understand if it is ANY other type of payment.

It seems to me that the person taking the biggest risk is the person sending the item. The person paying via credit card PayPal is risking nothing, before OR after the sale.

Do people have such crappy credit cards? Is it a "my Heat is bigger than your Heat, now kneal to me" attitude?

Honestly, I don't understand.

What are your thoughts?

Liver

If you don't like the way we do business here, don't trade. I'm sure eBay will be happy to have your money.
 

KarenMarie

Elite Member
Sep 20, 2003
14,372
6
81
ok... i will probably get flamed for this but...

just because someone has more heatware than you does not make them ENTITLED to have you ship first. It is your property until they pay for it, so if you dont wanna ship first, you dont have to. I see a lot of ppl throwing heatware around like it gives them legal rights.

Many ppl will not buy from you if you do not ship first. It is their right and their choice, just like it is your choice whether to ship or not ship first. Having high heatware assures that the chances are better that the transaction is with someone who has earned trust, and 99% of the times that is true. But it is not unheard of that previously wonderful traders have hit the dark side.

Bottom line... high heat does not entitle anyone to get stuff shipped to them first. It just means that they are saying that they have already proven their trustworthiness and ASK that you earn your by shipping first. It is not a RIGHT, it is a REQUEST.

If someone doesnt buy cause you wont ship first... then dont take it personally... wait until someone will pay first, or go to eBay.

:)
 

tm37

Lifer
Jan 24, 2001
12,436
1
0
Originally posted by: Liver
Please read this entire post (or just the last quote).

Well most of us will not accept CC Paypal because of the fees.

I made an assumption in the first post regarding CC payment. What you said is true, but does not answer my question.
True my CC will allow me to chargeback however seeing as most traders here will not allow you to use CC funded Paypal. I am someone who also will not accept CC funded paypal due to the fees associated with it. Having protection on the currency does you no good if no one will accept that currency

When you buy from an established trader yo0u can fell pretty confident that you will get what they say you are getting.

This is true, but so is saying most fire is hot.
you made the following statement
Why do people still insist on having someone ship something first when they will pay with credit card PayPal? I can almost understand that it is more of a hassle (if the item is not as described, or never sent), but it is not that convincing of an argument.
I responded to that. I shop at newegg and Zipzoomfly almost exclusively and I shy away from retailers with low reseller ratings. This is because while if I get defrauded while using a CC I will get my money back (not always through paypal) I will lose TIME and if it is something I needed while I may not be out the money I still do not have the item that I want. I am (as many others are) willing to take less or pay a little more for a hassle free deal.


Most of us traders are honest and most people that get trolled get trtolled partially because they did not take due dilligence.

True, but what is the loss? My credit card refunds everything. Does yours (really, just a question)?
I have never had to do a charge back on paypal and I have done a few chargebacks for online purchases that did not go as planned. my question were you able to do a chargeback on a paypal transaction?

I am currently selling a laptop. I will not cross ship it to some one with <40 heat. It is not worth my time to risk gettimng trolled.

That is your business practice. You make choices for yourself, nothing wrong with that, but does not answer my question.

Originally posted by: RossMAN
Established AT forum members + more Heatware > you

That answers nothing.
would you pay more and take more risk with an online retailer that really high reseller ratings? would you pay more from a person in an established store or a guy on the street

Amdskip: It's just what we do around here. Ship first or don't sell at all. It's the blunt truth. I had to work myself up to my heat level that I have now, wasn't just handed references.

Truth is truth, I agree. I don't agree that it is "way it has always been done, so it has to be right."
well in order to effect change you need to get other thinking the way you do. You need to have a better plan. Good luck with both of those
Jaybert: Your credit card will not always cover you since you are not directly paying the user, rather you are paying a 3rd party (paypal). They will just say that they completed their end of the transaction as described. Your credit card company may or may not refund your money as a courtesy, but they are absolutely under no obligation to do so. You would have to take it up with paypal who does not even handle claims if the item is not as described, only if you do not receive the item (know from experience).

Do you have pre pay credit card?
paypal performed the service that you contracted them to do. If you get a cash advance and I mug you can you chargeback the cash advance?

RaiderJ said: The better heat somebody has, the more likely you are to have a smooth transaction. I personally won't risk my money on someone who doesn't. True, you could do a CC chargeback, but why go through all that if you don't have to? There will ALWAYS be other deals, and I'd rather wait and find one that has a better chance of success.

That makes the most sense, and I buy it.

Thanks

Liver

 

TerryMathews

Lifer
Oct 9, 1999
11,464
2
0
You keep claiming that you can just "do a chargeback" on a paypal transaction - have you actually attempted this? A lot of cardholder agreements no longer allow this, since paypal has become so popular. Paypal explicitly forbids it in their TOS.

At best, you'll lose your paypal account. At worst, paypal will suck the money right back out of your checking account (again, allowed via TOS) and your CC will (eventually) deny the chargeback, leaving you with having to get one of your two payments back from paypal, who is mad at you, and a ding on your credit report for filing a rejected chargeback.

You'll also find that the "ship first" mentality is (mostly) on a sliding scale - I'm more forgiving about shipping first on a $10 LAN card than I am on a $300 video card. Don't forget too, if you keep your head about it there is plenty to negiotate about. Good faith can be demonstrated in several ways, including escrow and a half-now-half-on-delivery system.
 

Liver

Senior member
Aug 8, 2004
575
0
0
Originally posted by: TerryMathews
You keep claiming that you can just "do a chargeback" on a paypal transaction - have you actually attempted this? A lot of cardholder agreements no longer allow this, since paypal has become so popular. Paypal explicitly forbids it in their TOS.

Yes, one of the best cards is AMEX.

At best, you'll lose your paypal account. At worst, paypal will suck the money right back out of your checking account (again, allowed via TOS) and your CC will (eventually) deny the chargeback, leaving you with having to get one of your two payments back from paypal, who is mad at you, and a ding on your credit report for filing a rejected chargeback.

Once again, the best card for this is AMEX.

You'll also find that the "ship first" mentality is (mostly) on a sliding scale - I'm more forgiving about shipping first on a $10 LAN card than I am on a $300 video card. Don't forget too, if you keep your head about it there is plenty to negiotate about. Good faith can be demonstrated in several ways, including escrow and a half-now-half-on-delivery system.

No doubt that is the truth.

And to TM37: What you are describing is what you do, and I have no problem with that. Of course I like to trade (hire) with people that are established, be it here or getting someone to paint my house or to buy a car. But the situation I am asking for is explicitly stated.

Further, the examples regarding going to a bank loan (Nik and Ghostman) it is not a reasonable comparison. Please go to the bank with your heatware and get a loan :p I know I know it was for a comparison, but with all the bank regulations it is an unfair comparison to banking and loans to trading on anandtech and heatware.

I have my questions answered. I will no longer look at this thread.

Thanks for all the input.

Liver
 

C'DaleRider

Guest
Jan 13, 2000
3,048
0
0
Originally posted by: TerryMathews
At worst, paypal will suck the money right back out of your checking account (again, allowed via TOS)........


Please show me where in their, Paypal's TOS, that they can "suck the money right out of your checking account." I cannot find it anywhere in Paypal's volumes of TOS agreements......all of the many , many pages of them.
 

jlee

Lifer
Sep 12, 2001
48,518
223
106
Originally posted by: TerryMathews
You keep claiming that you can just "do a chargeback" on a paypal transaction - have you actually attempted this? A lot of cardholder agreements no longer allow this, since paypal has become so popular. Paypal explicitly forbids it in their TOS.

At best, you'll lose your paypal account. At worst, paypal will suck the money right back out of your checking account (again, allowed via TOS) and your CC will (eventually) deny the chargeback, leaving you with having to get one of your two payments back from paypal, who is mad at you, and a ding on your credit report for filing a rejected chargeback.

You'll also find that the "ship first" mentality is (mostly) on a sliding scale - I'm more forgiving about shipping first on a $10 LAN card than I am on a $300 video card. Don't forget too, if you keep your head about it there is plenty to negiotate about. Good faith can be demonstrated in several ways, including escrow and a half-now-half-on-delivery system.

I disputed an eBay purchase with Paypal, and nothing happened. I called the CC company and let them know..several days later (after weeks of nothing), Paypal refunds the transaction. Sometimes they need a little persuasion.. ;)


Please go to the bank with your heatware and get a loan I know I know it was for a comparison, but with all the bank regulations it is an unfair comparison to banking and loans to trading on anandtech and heatware.
Try taking your credit report to the FS/T forum. Good luck. :p

I have my questions answered. I will no longer look at this thread.
:cookie: ?