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

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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

[colic2bullsgirlore]

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@2106greencat wrote:

If I were a buyer I would not want to pay via paypal for the simple reason that I want to inspect the item before I pick it up.

And not everyone has a mobile phone for eBay or a laptop/tablet or whatever. Just seems like a lot of trouble to go to.

Inspect the item, agree to take it, go home and pay via paypal, go back to get the item (hoping another buyer hasn't turned up with cash) etc etc

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going home and making a payment... a little myopic ????

as opposed to bludging a lend of the sellers computer, paying at the nearest internet cafe, using a prepaid terminal available at

most shopping centres or using a landline to phone your partner, daughter or son to process the payment for you????

Trying to pay via cash could all be in vain if the seller says "those notes look fake I am not accepting them" even the ones that

were just gleaned from the nearest hole in the wall

http://www.theaustralian.com.au/news/high-quality-fake-100-notes-fool-sydney-residents-businesses-an...

• February 25, 2013 12:00AM

SYDNEY has been flooded with counterfeit cash that is of such high quality some banks are struggling to detect it.

In the past two months, organised crime gangs have caused a "significant spike" in the amount of fake currency - mainly $50 and

$100 notes - passed in restaurants, bars and fast food outlets, particularly in Sydney's west.

Police are unable to estimate how much of the cash is on the streets.

Just two weeks ago they charged a Comanchero bikie with being in possession of $520,000 in "funny money".

Businesses in Fairfield, Mt Druitt and Penrith have all detected fake notes, mainly $100 bills.

It is also unknowingly being passed around by banks.

Tama Makiiti recently withdrew $1200 from a Commonwealth Bank branch in Surry Hills to pay his rent.

His landlord Shane Woseley then tried to pay it into his own account.

"It wasn't until I went to deposit the money in the ANZ at Marrickville that I found one of the $100s was counterfeit," Mr Woseley

said.

"The teller counted the money and said nothing.

She flicked through the notes again and spotted something wrong."

Police warned the high quality of the banknotes meant they were difficult to detect.

"They have been coated in a plastic resin to make them have a feel similar to a real note. They are pretty good," a police

spokesman said.

"In the past, $50 notes were the most popular but we are seeing an increasing number of $100."

It is not yet known if there is any connection between the current counterfeits and the wave of fake $50 notes that were circulated

in the Lake Macquarie area at Christmas.

[colic2bullsgirlore]

let me put it another way greencat.

I respect your posts that you would rather pay for pick up items via cash, I agree with your sentiments and do not particularly like using paypal for pick up items but;

If I saw a local pick up item close to me that I had been looking for and the seller only offered paypal as a payment option and specified "paypal only no cash, inspections welcome" or any combination of those terms then I would inspect the item (either pre or after purchase/auction end) and if I was happy with it I would pay the seller via paypal and feel safe using paypal (at pick up) to purchase the item.

If I was not happy then I would not pay and defend any unpaid item dispute opened by the seller with the same reasons that I would defend an unpaid item dispute if the seller had allowed cash and that was the mode I intended to pay for the item originally being the item was not as described

The intention of this thread was to discuss the reasons why posters often advised that cash was the safest form of payment for pick up items. I understand that for many people it is the most convenient but that does not necessarily make it any safer for buyer or seller

[tall_bearded]

CatsPJS, I am confused. 

Are you saying that a business must provide a buyer with a “safe” payment option?  That is at you saying the consumer rights legislation requires that if I sell something in a BM store, and you choose to pay by credit card, even though that particular store does not have a merchant account they are still required to accept the card in payment.

Now if that is not what your saying, what is the meaning of “There are a range of protections available to buyers - some of these protections are facilitated through legislative frameworks that govern businesses and some of them may be through coverage’s or insurances offered to them for their purchases through their credit card companies.”

[thecatspjs]

I am saying TB that to list on ebay you must offer safe payment method for all listings, including pick up only items.  That is the rules.  No ifs, buts, maybes.  Its part of the deal when you buy something on ebay.

There are some exclusions, including cars, I am assuming this is because there are state based database checks that you can request to inivestigate if there are ownership issues,  registration, or finance agreements over goods, or it they (or parts) may be stolen.

TB maybe read all the posts in this thread. I was responding to another posters comments re many of other comments. Your interpretation of my comments is incorrect.

[digital*ghost]

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@colic2bullsgirlore wrote:

The intention of this thread was to discuss the reasons why posters often advised that cash was the safest form of payment for pick up items. I understand that for many people it is the most convenient but that does not necessarily make it any safer for buyer or seller

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How, and who, it would be unsafe for is dependent on several things. 

Thus far, the focus of the discussion has been on payments funded by a credit card, as well as suggesting the payment be made post-inspection, but that's just one possible way a pick-up transaction could proceed, and that particular circumstance carries more risk for the seller than the buyer.

However, we all know there are other ways to fund a PP payment - existing funds or eCheque, and that payment may be initiated at any stage, including prior to inspection (judging from previous posts on the boards, a lot of buyers are under the impression that this is the expectation when using PP for a pick-up, possibly because they are used to an online purchase process where you buy > pay > seller arranges for them to receive goods). 

The crux of all that is if a buyer's payment is funded by a credit card, they may still have a level of protection via the card provider and the seller has none. If the buyer's payment is funded with their PP account balance or an eCheque, the seller is effectively protected and the buyer has no recourse, which would make it a very unsafe way to pay at any time prior to picking up the goods.