topic Re: eCheque/EFT question in Buying

eCheque/EFT question

dryads10 — Tue, 01 Apr 2014 06:31:19 GMT

today something weird happened. the seller said i paid through echeque or eft? I dont know how? i always pay the same way - Paypal. but the funds haven't cleared from my bank? im confused?

Re: eCheque/EFT question

lyndal1838 — Tue, 01 Apr 2014 06:35:45 GMT

An e-cheque is when the paypal payment is taken from your bank account. It is not an instant payment as it would be if it was funded with a credit or debit card and you cannot do a bank chargeback if there are problems with the transaction.

Re: eCheque/EFT question

dryads10 — Tue, 01 Apr 2014 06:43:16 GMT

But I didn't use my bank to pay for it! I used my MasterCard!

Re: eCheque/EFT question

lyndal1838 — Tue, 01 Apr 2014 07:44:21 GMT

Then I suggest you ring paypal on their Freecall number and have a talk to them.

Glitches can and obviously do happen.

Re: eCheque/EFT question

dryads10 — Thu, 03 Apr 2014 05:57:38 GMT

Well, the money cleared from my bank, but eBay is telling me to pay for the items?! =/

Re: eCheque/EFT question

lyndal1838 — Thu, 03 Apr 2014 06:11:43 GMT

Then you definitely do need to ring paypal...if the item is still showing as unpaid then there has been a glitch.

Re: eCheque/EFT question

dryads10 — Sat, 05 Apr 2014 01:47:30 GMT

I've paid for Peppa Pig party items. All from the same seller. They are telling me they haven't received my money.

I paid for all the items on the same day, at the same time, I received one of the purchases, some Peppa Pig napkins.

The funds have cleared from my bank, and has been like that for a few days now.

I want to know what is going on!

Re: eCheque/EFT question

dryads10 — Sat, 05 Apr 2014 01:47:59 GMT

Already rang paypal.

Re: eCheque/EFT question

lyndal1838 — Sat, 05 Apr 2014 03:07:47 GMT

So what did they say? Have you paid for the items or not?

No-one can help you if you don't give the whole story.

Re: eCheque/EFT question

dryads10 — Sat, 05 Apr 2014 03:58:17 GMT

i have paid for them, the money came out my bank

Re: eCheque/EFT question

lyndal1838 — Sat, 05 Apr 2014 04:26:58 GMT

So you are saying that the money has come out of your bank...paypal says you have paid? But the seller has not received the money?

That scenario usually means that the seller has not put the correct email address on their listings. They would be told by paypal that they need to claim the payments.

But I don't understand how the seller could send you one item. Or was one item paid for seperately?

Other than the above scenario I am lost, sorry.

Re: eCheque/EFT question

2106greencat — Sat, 05 Apr 2014 05:23:52 GMT

or paypal have the funds in escrow - as perhaps the seller has the wrong email in the paypal account, as Lyndal said, you need to contact paypal and get them to sort it out or explain what has gone wrong.

Re: eCheque/EFT question

dryads10 — Sat, 05 Apr 2014 07:34:02 GMT

I paid for them all at once

Re: eCheque/EFT question

lyndal1838 — Sat, 05 Apr 2014 07:48:11 GMT

This is like pulling hen's teeth. You have now been told twice to RING paypal on their Freecall 1800 number as they are the only ones who can help you.

Re: eCheque/EFT question

dryads10 — Sat, 05 Apr 2014 22:41:57 GMT

And I've already stated I HAVE CALLED PAYPAL and they don't know what's going on

Re: eCheque/EFT question

*crikey*mate* — Sat, 05 Apr 2014 23:10:49 GMT

Ok, they're just trying to help you, ok?

I know this is worrisome and frustrating.

On your puchase list, is there a symbol of either a dollar sign or an hourglass? Or is there nothing there at all?

In the meantime, here is what I advise.

Ring eBay. Let them know you are trying to pay, explain what is happening. They probably won't be able to do anything, but get them to put a note on your account in case you need to fight a UID down the track.

Now, you say the entire amount for several items has come out of your bank account.

Is this all in one transaction?

Another thought is do you have a secondary funding source attached to your PayPal account, so if the funds are declined through your credit card, they get drawn from a bank account?

Just tryiong to work out why a payment for one went through instantly and the others are on echeque

Yes, the money leaves your account instantly, but PayPal doewsn't get it for a few days. When our funds clear instantly, this isn't because PayPal has received the money, they carry the money for a few days, and pay on your behalf, until they receive the money from the bank.

So, check your PayPal account. What does your overview account say?

Does it say that your seller has received the cost of one amount, but the rest is pending (so probably separate entries)

Were all the items paid for on one invoice, or were they paid at the same time, but attracted separate entries on your PayPal overview Statement.

Do you have a reacipr email from PayPal. It will tell you if you have sent the money or an echeque.

Regardless, the money leaves your bank Account balance straight away, but PayPal will only fund those in advance from a credit/debit card.

Next step is to then ring your bank and querie the transaction. Ask them where the money was sent to and from where it came. It sounds to me like they have drawn some from a credit/debit card, but the rest from the account attached to it or the secondary account lodged with PayPal.

Firstly thopugh, let both your seller and eBay know what is happening and that you are trying to fix it. But iof the seller knows it is an eCheque, he won't be too worried.

How do you know you have paid by eCheque?

Re: eCheque/EFT question

ajarnjenny — Sun, 06 Apr 2014 07:05:51 GMT

I think that you are notified that you have paid by echeque.

I sold a couple of things on ebayuk and she paid in pounds. She did not receive the letter I sent, so I refunded her on the transaction thingo in Paypal, but it was sent as an echeque and she didn't get it for 2 weeks!

I had the quids in my account ( still have, lurking around the last column) but when I asked why it was sent as an echeque, Paypal told me that I did not have funds in that currency.

I had pounds (that she had paid and are still there) and more than enough Au to cover it.

It still perplexes me.

Re: eCheque/EFT question

dryads10 — Sun, 06 Apr 2014 07:45:07 GMT

On your puchase list, is there a symbol of either a dollar sign or an hourglass? Or is there nothing there at all? - Dollar sign

Is this all in one transaction? - Different transcations, but for the exact same amount as my purchases

Another thought is do you have a secondary funding source attached to your PayPal account, so if the funds are declined through your credit card, they get drawn from a bank account? - Bank account and MasterCard

So, check your PayPal account. What does your overview account say? -

Do you have a reacipr email from PayPal. It will tell you if you have sent the money or an echeque. - Just says to pay for the items

How do you know you have paid by eCheque? - The funds didn't come out of my bank until the next day, if it was MasterCard, it would of been instant

Re: eCheque/EFT question

*crikey*mate* — Sun, 06 Apr 2014 08:18:51 GMT

@dryads10 wrote:

On your puchase list, is there a symbol of either a dollar sign or an hourglass? Or is there nothing there at all? - Dollar sign
Your picture says to me that you have paid. eBay should not be chasing you for money? Indicates it was all paid in one transaction. (for those 4 items) No mention of eCheques at all.

Ring eBay. Let them know you are trying to pay, explain what is happening. They probably won't be able to do anything, but get them to put a note on your account in case you need to fight a UID down the track. - Done that, they don't know either That's ok, they have nothing to do with payment really, so that's not surprising. Just make sure they know you are trying to pay. That's all. They need to know that you are not trying to do a runner. Though from theior perspective it should look like you have paid in full.

Is this all in one transaction? - Different transcations, but for the exact same amount as my purchases You have opoaid altogether, so it has gone through as one transaction according to that picture.

Another thought is do you have a secondary funding source attached to your PayPal account, so if the funds are declined through your credit card, they get drawn from a bank account? - Bank account and MasterCard

So, check your PayPal account. What does your overview account say? -

Do you have a reacipr email from PayPal. It will tell you if you have sent the money or an echeque. - Just says to pay for the items

How do you know you have paid by eCheque? - The funds didn't come out of my bank until the next day, if it was MasterCard, it would of been instant

I've forgotten sorry.

The funds coming out the next day doesn't matter, that happens to me all the time, especially if I pay on a weekend. That doesn't mean you paid by eCheque. After about 9pm friday Night, everything I pay for on PayPal doesn't come out of my bank account until Monday morning. (I have a debit card attached to my bank account)

I have to be very careful that I make sure i keep on top of what I've spent! I got caught a few times and had to transfer extra money in in a hurry!

What is showing in your PayPal account? Is it showing as the whole amount has been paid or some paid and the rest pending?

If the money is drawn from your CC, PayPal usually sends the request and pays on your behalf until the money makes its way through cyber space 3 to 5 days later.

If for some reason your CC was declined, it would revert to your second funding source which is your bank accountand this would show as pending, but your picture is not reflecting this.

so i reckon it's a case of your bank was just a bit slow in deducting the funds.

What is your seller telling you? That they opnly received payment for one??? (sorry I forgotz)

Re: eCheque/EFT question

2106greencat — Sun, 06 Apr 2014 08:21:06 GMT

Have you contacted the seller ?? Pull the contact details so you can call them tomorrow and tell them what has happenned.

Maybe between the 2 of you it can be worked out, because to me it sounds like the seller has the wrong email address in the paypal section.