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

[thecatspjs]

crikey there is no buyer protection for pick up only items for item not received.

[k1ooo-slr-sales]

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@thecatspjs wrote:

My choices are not against ebay policy. 

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as previously written . . . . . But this is where the 'conflicting policies' of eBay and PayPal come in to play.

[*crikey*mate*]

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@bsal6160 wrote:

Would not a logical conclusion to this conumdrum then  be;

To pay by Paypal for pick-up items, two forms of identity must be provided to seller prior to purchase?

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Possibly, it depends what you believe this may achieve.

Exactly what are you proposing will be acheived by providing a seller with two forms of identity prior to purchase?

[digital*ghost]

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@crikey*mate wrote:

Lets say I sell an item which is picked up by the buyer and they pay me via PayPal. What is there to stop the buyer from opening up an Item Not Received Dispute a little while down the track?

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That's where no PayPal buyer protection should come into effect. Theoretically, PayPal should not entertain an INR claim if the transaction shows it was a pick-up - which it will if it was pick-up only, or the buyer selects a pick-up option via checkout. That being said, the dispute could still be opened and the funds put on hold, and occasionally PayPal have to be reminded of their own policies... 

I'm not greatly versed on credit / debit card policies, but according to the information posted by colic, the banks won't entertain INR or INAD chargebacks on pick-ups, either. 

[thecatspjs]

I can't see how paypal and ebay policies are conflicting ??

I just think it is simply that paypal protection is limited - and sensibly so too, as pick up of items creates a situation where actual transfer goods (compared to posting) becomes very difficult to prove and assess in event of dispute.

[digital*ghost]

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@crikey*mate wrote:

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@bsal6160 wrote:

Would not a logical conclusion to this conumdrum then  be;

To pay by Paypal for pick-up items, two forms of identity must be provided to seller prior to purchase?

---

Possibly, it depends what you believe this may achieve.

Exactly what are you proposing will be acheived by providing a seller with two forms of identity prior to purchase?

---

If an INR and INAD claim won't be successful via PayPal or card, then all that's left is "unauthorised use". If a seller requires proof of identity when a buyer pays via PayPal, and that person is the cardholder, it means the seller can prove that the cardholder intiated the payment and collected the goods, therefore how can it be unauthorised?

[*crikey*mate*]

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@thecatspjs wrote:

crikey there is no buyer protection for pick up only items for item not received.

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OK, I realize that I am missing something, so please be patient with me whilst I attempt to understand.

I understand that there is no buyer protection for a pick up item, I do understand that, the PayPal policy is quite clear. Although I would posit that there is a certain amount of buyer protection for pick up items because at least they know they will get the item and have a chance to inspect it before paying for it.

Where I start to now get confused, is the part where the buyer does pay by PayPal and then picks up the product, but later fraudulently goes to PayPal and says "hey, I never got my item!".

From my understanding, PayPal then says "Dear seller, please provide us with a tracking number and proof of postage"
 I am pretty sure that a response from the seller saying "the customer inspected the item, paid cash, signed this document and had it notorized by 7 different JP's that personally witnessed them take the item with them" doesn't fly the flag for PayPal, and as the seller cannot provide the documentation that PayPal requests, will find in favour of the buyer and refund their money.

[k1ooo-slr-sales]

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@digital*ghost wrote:

If an INR and INAD claim won't be successful via PayPal or card, then all that's left is "unauthorised use". If a seller requires proof of identity when a buyer pays via PayPal, and that person is the cardholder, it means the seller can prove that the cardholder intiated the payment and collected the goods, therefore how can it be unauthorised?

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The PayPal payment advice sent to sellers does not include card/cardholder information for comparison purposes.  It is one of the things that PayPal promote i.e. we do not give your card details to sellers

[k1ooo-slr-sales]

crikey, if the listing was for a "Pickup only" item, and the PayPal payment did not include a postage charge, and there are no messages between seller and buyer confirming that the item will be posted then the seller can show that it was a pickup item and not covered for Item Not Recieved.  PayPal do take messages between buyers and sellers into account when applying protection policy.

[*crikey*mate*]

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@digital*ghost wrote:

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@crikey*mate wrote:

Lets say I sell an item which is picked up by the buyer and they pay me via PayPal. What is there to stop the buyer from opening up an Item Not Received Dispute a little while down the track?

---

That's where no PayPal buyer protection should come into effect. Theoretically, PayPal should not entertain an INR claim if the transaction shows it was a pick-up - which it will if it was pick-up only, or the buyer selects a pick-up option via checkout. That being said, the dispute could still be opened and the funds put on hold, and occasionally PayPal have to be reminded of their own policies... 

I'm not greatly versed on credit / debit card policies, but according to the information posted by colic, the banks won't entertain INR or INAD chargebacks on pick-ups, either. 

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On the odd occasion, before I ammended my item location and toughened up a bit, I did have people ask me about picking up an item after they had won it, even though I had not listed it for pick up and had clearly stated a postage price. I'm a bit of a softie at heart and have always felt mean when denying a request for pickup when it is clear that I live close by to the buyer, so have agreed to this. If they have paid me in advance, I have given them back the money for postage, but even if they haven't prepaid, the invoice won't show on eBay as Pick Up in check out.

A few times, I have even contacted a buyer who I discovered did live close by when I went to pack their order and even though they had paid, I offered them the opportunity to collect the item/s themselves or have someone drop them off on their way past and refunded their postage money.

The whole protection thing never entered into my mind at the time, but now by learning from the experiences of others I just don't do it anymore and have changed my item location to be less specific - ie Australia, rather than suburb, state and country.