paying via paypal for local pick up items safer for buyers ??

[colic2bullsgirlore]

I wondered why many posters intimate that paying via paypal for local pick up is not as safe as payment via cash for a buyer

when neither method affords buyer protection ?

So what is the difference??

It would appear to me that lobbing at a strangers residence with an iphone/pad or laptop and making payment via paypal after

inspection may be a safer option for a buyer as opposed to arriving at a strangers residence with wads of cash with the

intention of purchasing after a positive inspection.

I understand most sellers would probably prefer cash and that a cash transaction would mostly be considered safer. However it

is my understanding that credit card chargebacks are not available for pick up items and I think some sellers would prefer an

electronic transfer rather than recieving cash from a stranger

Thoughts anybody?

Interesting piece I found on the net re chargebacks and debit cards

#####################################################################################################

PayPal and chargeback

Watch out if you use your credit or debit card to load money into your PayPal account or other similar online accounts, as it is the

loading of the money that is considered to be the card transaction.

If the money that you load into your account is then subsequently used to buy goods and services, that transaction is not classed

as a card transaction and is unlikely to be covered by chargeback.

If you're making a card purchase through PayPal it's best to empty your PayPal account regularly so there is no credit balance.

That way, when you make a card purchase through PayPal, the same amount will be debited from your bank account or credit

card as goes immediately to the seller.

This will make it easier for your bank or credit card provider to match the purchase with the debit.


#######################################################################################################

Can anybody explain to me why they recommend cash  payment after item inspection is safer than electronic payment via iphone

or lappy after item inspection for buyers????

I have seen it written many many times

[lyndal1838]

Very simple...paypal does not cover either the buyer or the seller for items which are picked up.  It is clearly stated in their rules.

If a buyer does pay with paypal but funds the payment with a credit or Visa debit card they can do a bank chargeback down the track and there is nothing the seller can do about it as they have no proof of posting the item to the buyer.

[colic2bullsgirlore]

Nobody offers buyer protection  for cash either

credit card chargebacks are not able to be processed for items  that  are picked up ... it's that simple I have not found one company

that will entertain an item not received chargeback nor an item not as described chargeback for item picked up personally by the

buyer in fact their terms and condtions specifically disallow it

... but regardless of that why do you think one is safer than the other when neither offers buyer protection?

[colic2bullsgirlore]

did you miss this bit lyndal???

It would appear to me that lobbing at a strangers residence with an iphone/pad or laptop and making payment via paypal after

inspection may be a safer option for a buyer as opposed to arriving at a strangers residence with wads of cash with the

intention of purchasing after a positive inspection.

do you not think it safer for a buyer to lob with an iphone as opposed to lobbing with fistfuls of dollars???

seems a no brainer to me

[jasminecat2012]

 It may be safer but I don't think too many sellers would accept paypal for a pick up item. Not only is there risk of chargeback there are also extra fees with accepting paypal. Any seller would be stupid to accept it. As a buyer I would rather pay with cash.

[lemmayj]

As far as chargebacks go, a buyer might not be able to do a chargeback for item not received for a pick up item, but there's nothing to stop them from doing a chargeback on the basis of the payment being unauthorised... 

As a seller, I'd be a little hesitant to accept paypal for a high value electronic item. (OK, it would probably be fine if I sighted the buyer's driving license and got them to sign an appropriate receipt, but why pay paypal fees when neither buyer or seller is getting any protection for them?)

[2106greencat]

Colic - Site Map - bottom of every page.

You really need to read it and get the hang of eBay. I notice many of your posts and most of the advice you offer, while in BIG BOLD LETTERS to make it stand out, is usually incorrect.

Keep with it though, you will get to understand the way it all works soon and if you have trouble just come here and ask the experienced eBayers, such as Lyndal.

Good luck with it all I know it can be confusing.

[k1ooo-slr-sales]

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@lemmayj wrote:

As far as chargebacks go, a buyer might not be able to do a chargeback for item not received for a pick up item, but there's nothing to stop them from doing a chargeback on the basis of the payment being unauthorised... 

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too true.  Imagine this situation, if someone lobs up and inspects an item . . . . . . decides to proceed with the purchase by making a PayPal payment . . . . . then proceeds to log in to a hijacked PayPal account and pay with someone elses PayPal that is linked to a credit card.  Then, when the true owner of the PayPal account sees that their account has been used for a purchase they instigate a chargeback for unauthorised use of the card.  This would not necessarily happen months later, it could be the day after the item was picked up!  Not only would the seller have the money taken off them, they would also have to pay a $15 chargeback fee!

As a seller, I would insist on cash after inspection for pickup items.  I would have this stated clearly in my listing description (probably near the top because we all know buyers do not always read the whole descritpion).  If a buyer ignored this and payed by PayPal I would refund their payment and point out that they have no buyer protection for PayPal payed pickup items, I would point out the bit of the description that has payment by cash, and I would emphasize that if they inspect and decide to not proceed they can simply walk away i.e. they have buyer protection for a pickup item by deciding not ot pay if the item does not exist, or it is not working or not as described.

As far as buyers lobbing up with lumps of cash, they can leave the cash in their car while they inspect.  They can then get the cash once they are satisfied with the item.  They pay as the item is loaded into their car.

If the seller is concerned about having a buyer come to their place they can arrange an off-site exchange of item/cash.  I have bought pickup items and met the seller at a Maccas in the past.  Of course, this may not be convenient for large items like unregistered cars, furniture etc.

[thecatspjs]

As a buyer I have picked up items and paid via paypal on the spot.  I will continue to use this method for any higher priced item that I am paying big $$$ for.

Can't see how a seller can refuse, unless they offer an alternate safe payment method. 

I do it this way for a range of reasons including transparency for my financial and tax requirements.  In addition, I will never be comfortable walking around with wads of cash. 

There are a number of posters who seem to seek to create board / ebay myths on a regular basis on a number of matters - and in relation to the pick up scenario IMO have even encouraged the most unfriendly seller behavior by using scenarios that are not the norm and scaremongering. 

[thecatspjs]

For those of you encouraging others to break ebay policy by refusing safe payment method for pick up only items - please note the cut and paste of the site map.  

Accepted Payments Policy

eBay wants to ensure that the marketplace offers buyers safe, appropriate and convenient payment choices for the marketplace.

Safer payment method requirements

For most categories of listings on eBay.com.au, sellers need to offer at least one of the following safer payment choices:

• PayPal

• Paymate

• Credit card processed through the seller's Internet merchant account