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Pay Pal vs. Credit Cards on line Vendors

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Pay Pal vs. Credit Cards on line Vendors

Old 07-20-2007, 08:01 AM
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Default Pay Pal vs. Credit Cards on line Vendors

If you are visiting a web site, looking to purchase a specific product, and the vendor only deals with Pay Pal (even though Pay Pal can use credit cards) do you look for another vendor or do you have confidence in the Pay Pal system and make the purchase?

Do most people know by now that you do not need a Pay Pal account to purchase with their system?

Thanks..Jeff
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Old 07-20-2007, 08:06 AM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

I had my AMEX number stolen last month, and it was traced through PAYPAL. I mean I question their security. AMEX is now gone after 20 years with me, as is EBAY and PAYPAL.

They can say all they want how secure things are. I was not even an active user. I will search for another vendor.
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Old 07-20-2007, 08:47 AM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

parkersal - 7/20/2007 8:06 AM

I had my AMEX number stolen last month, and it was traced through PAYPAL. I mean I question their security. AMEX is now gone after 20 years with me, as is EBAY and PAYPAL.

They can say all they want how secure things are. I was not even an active user. I will search for another vendor.
curious, how did they trace the stolen card through paypal?
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Old 07-20-2007, 10:36 AM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

We make billions of purchased via PayPal every year but ALWAYS with a credit card. We NEVER do bank transfer. We have the bank reverse the charges for a cc purchase maybe once every other month. We have never had a reversal challenged or reversed.

NEVER buy anything online that does not go thru a credit card. Never! The fake Visa and fake MC are not the same as credit cards. Credit card purchases are protected by federal law where the fake credit card purchases are not.

PayPal has been sued and lost over their lack of protection for credit card users. PP would prefer you work with/thru them to settle a dispute, but DON’T! Go thru your cc bank and have the charge reversed. PayPal cannot prohibit you from challenging a purchase if made by cc, but they can if you make the purchase thru a bank transfer.
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Old 07-20-2007, 01:27 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

I would second everything eyeball stated. No way would I purchase anything I couldn't lay my hands on that very instant with anything other than a credit card and I don't need PayPal in the middle of the transaction.

You will never lose anything on a mail, phone, or internet transaction that doesn't go exactly the way you want it to. In fact, it's almost ridiculous how far the credit card companies will go to ensure you feel good about your purchase.

Talk about potential for fraud against the merchant, it can be downright scary on the merchant side of a transaction as they have none of the protection offered to the cardholder.

Oh yeah, did I mention I hate credit card companies?
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Old 07-20-2007, 01:38 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

I use Paypal whenever I can as the deposits into the account are pretty much solely from something I sold on ebay. When necessary, the Paypal account draws on a checking account used soley for paying electronic bills and only has the $500 minimum except at bill paying time. I feel secure that way.
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Old 07-20-2007, 02:15 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

Eyeball, “sees“ it as it is. (pun intended)

Pay Pal is as disorganized as a company can be and still remain in business. In a word...... they suck.

I have bought tons of stuff and will continue to buy tons of stuff with a credit card on the internet with never a problem and no future expectation of ever having a problem.



Ray, Tennessee 2180DLX Carolina Skiff 90HP Honda
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Old 07-20-2007, 03:54 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

rayteagarden1 - 7/20/2007 2:15 PM

Eyeball, “sees“ it as it is. (pun intended)

Pay Pal is as disorganized as a company can be and still remain in business. In a word...... they suck.

I have bought tons of stuff and will continue to buy tons of stuff with a credit card on the internet with never a problem and no future expectation of ever having a problem.



Ray, Tennessee 2180DLX Carolina Skiff 90HP Honda



i beg to differ.i sell on e-bay through several accounts i have had over 5000 deals made and countless items bought through pay pal.never one bad experience.the only bad one came with a cashiers check it was forged.most people don't know a scam when they see it and if it is a scam it don't matter how it's paid for it's still a scam
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Old 07-20-2007, 04:39 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

tommyr904 - 7/20/2007 3:54 PM

rayteagarden1 - 7/20/2007 2:15 PM

Eyeball, “sees“ it as it is. (pun intended)

Pay Pal is as disorganized as a company can be and still remain in business. In a word...... they suck.

I have bought tons of stuff and will continue to buy tons of stuff with a credit card on the internet with never a problem and no future expectation of ever having a problem.


Ray, Tennessee 2180DLX Carolina Skiff 90HP Honda



i beg to differ.i sell on e-bay through several accounts i have had over 5000 deals made and countless items bought through pay pal.never one bad experience.the only bad one came with a cashiers check it was forged.most people don't know a scam when they see it and if it is a scam it don't matter how it's paid for it's still a scam
Just a question Tommy. Why would a vendor need "several" accounts? Now this is not meant for you, but I've suspected many times that vendors bid on their own products to either get the price up or avoid selling too low.


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Old 07-20-2007, 04:47 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

mole2 - 7/20/2007 4:39 PM

Just a question Tommy. Why would a vendor need "several" accounts? Now this is not meant for you, but I've suspected many times that vendors bid on their own products to either get the price up or avoid selling too low.
Hey, that really does happen. In fact, I got a nastygram from eBay accusing me of doing that. Apparently somebody figured out my password info and did that. I believe they referred to it as bid shilling and they froze my account despite I had no negative reports and had thousands of dollars in purchases on there!

I sent them a note and told them I hadn't been on their site in months, but if this was an example of their security they could just take me off their membership role altogether. Then they were just as sweet as could be and told me to change my password. I'm finished with eBay.
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Old 07-20-2007, 05:27 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

I use paypal also for ebay and have never had a problem and the couple of times the deal went sour paypal backed it up.

I have the funds transfered from my "playmoney" checking account and if it is something major I will use my discover card instead

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Old 07-21-2007, 06:12 PM
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TN FREEBIRD - 7/21/2007 1:47 PM

... I'm finished with eBay.
I think that says it all.

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Old 07-21-2007, 06:27 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

mole2 - 7/20/2007 4:39 PM

tommyr904 - 7/20/2007 3:54 PM

rayteagarden1 - 7/20/2007 2:15 PM

Eyeball, “sees“ it as it is. (pun intended)

Pay Pal is as disorganized as a company can be and still remain in business. In a word...... they suck.

I have bought tons of stuff and will continue to buy tons of stuff with a credit card on the internet with never a problem and no future expectation of ever having a problem.


Ray, Tennessee 2180DLX Carolina Skiff 90HP Honda



i beg to differ.i sell on e-bay through several accounts i have had over 5000 deals made and countless items bought through pay pal.never one bad experience.the only bad one came with a cashiers check it was forged.most people don't know a scam when they see it and if it is a scam it don't matter how it's paid for it's still a scam
Just a question Tommy. Why would a vendor need "several" accounts? Now this is not meant for you, but I've suspected many times that vendors bid on their own products to either get the price up or avoid selling too low.




different item's.i sell my new item's on one account used ones on another account and my girlfriend has one she sell's girly stuff on.my way of keeping up with what i sell new and used.all my accounts go to the same e-mail and pay pal account.it would be very easy for e-bay to catch someone bidding on there own stuff.really makes no sense to do that as i have found generally an item that is popular will have several watchers and bidder's.you only make truoble for yourself biodding on your own junk as you may end up owning it again for 10 to 20 bucks more than you paid for it
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Old 07-21-2007, 07:24 PM
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Default Re: Pay Pal vs. Credit Cards on line Vendors

I read a couple of weeks ago in the Wall Street Journal that Southwest Airlines and American Airlines were switching to Paypal. I feel fairly certain that they would not be interested in Paypal if there were issues. I have made a couple of hundred Paypal transactions and never had a problem. I am also Treasurer for a Congressional Campaign Account and we use Paypal for contributions (as do others that have Campaign accounts with FEC).
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