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

[kopenhagen5]

Crikey, all the seller does if a case is opened is to respond to PayPal stating it is a pick up item.

PayPal immediately closes case in favour of seller after confirming pick up on the listing.

[digital*ghost]

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@k1ooo-slr-sales wrote:

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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

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Im not 100% sure about that - When you make a standard CC purchase online, you're providing sensitive details, i.e the card and security number. Those details are definitely not shared with the seller, but quite often you will find two names on your PayPal receipt. One is the 'buyer' name, then there is the shipping address. This is not a matter of the member purchasing something and then getting it sent to a gift address.

Let's say, for example, I sell an item. I get the email from eBay telling me my item sold, and it has the buyer's name, member ID etc. According to this email, the buyer's name is Joe Blow. Then I get the PP notification. The notice says to ship to Joe Blow, but the buyer's name is Harry Blow.

Harry Blow is not the eBay account holder, because eBay's email confirms the account is registered to Joe, so I'm pretty sure it's either the PP account holder's name, or the CC holder. I lean more towards the CC holder due to information previously provided by viewmont. 

[*crikey*mate*]

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@k1ooo-slr-sales wrote:

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.

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excellent - I didn't know that PayPal looked at the messages exchanged between buyer and seller. So there is some level of protection if the item is listed as pick up only and invoiced accordingly.

So how come the same doesn't apply for items that are returned via eBay communication and the process having not gone through PayPal iykwim. ie - bought item, paid by PayPal, got item, it was broken/faulty/different/ yada yada - I contact seller, they say "send it back, once I get it I will refund your money". So I send iut back and then they don't refund my money...... Will PayPal enter into that scenario if they can read the eBay messages?

[*crikey*mate*]

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@kopenhagen5 wrote:

Crikey, all the seller does if a case is opened is to respond to PayPal stating it is a pick up item.

PayPal immediately closes case in favour of seller after confirming pick up on the listing.

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Yep, I am following that part of it - but what about in the scenarios where the item isn't listed as a pick up item. We have read many threads on the boards about sellers being contacted re pick up - your name has just reminded me of the great sock adventure, in which the socks did almost become a pick up item.

[digital*ghost]

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@crikey*mate wrote:

ie - bought item, paid by PayPal, got item, it was broken/faulty/different/ yada yada - I contact seller, they say "send it back, once I get it I will refund your money". So I send iut back and then they don't refund my money...... Will PayPal enter into that scenario if they can read the eBay messages?

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Paypal state that to be eligible for protection, you don't send an item back without their instruction to do so. Which, sadly, means the safest thing to do is open a case (I say sadly because doubt and uncertainty is what would make it necessary, as a seller may be very willing to refund etc and follow through on their promises, but if you have any doubts and want the most protection, opening the case is the way to go). 

[*crikey*mate*]

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@digital*ghost wrote:

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@crikey*mate wrote:

ie - bought item, paid by PayPal, got item, it was broken/faulty/different/ yada yada - I contact seller, they say "send it back, once I get it I will refund your money". So I send iut back and then they don't refund my money...... Will PayPal enter into that scenario if they can read the eBay messages?

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Paypal state that to be eligible for protection, you don't send an item back without their instruction to do so. Which, sadly, means the safest thing to do is open a case (I say sadly because doubt and uncertainty is what would make it necessary, as a seller may be very willing to refund etc and follow through on their promises, but if you have any doubts and want the most protection, opening the case is the way to go). 

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I'm actually in the process of doing that at the moment. The seller did offer a refund on return via eBay PM system), but I explained to them that I wanted to handle the exchange process through PayPal and explained I was going to open the dispute etc - I thought for a little while when reading this thread that I may have been wrong in doing that.

[colic2bullsgirlore]

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@2106greencat wrote:

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.

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If you could point out which part of any of my posts that were incorrect greencat.... that would be great.....

[colic2bullsgirlore]

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@k1ooo-slr-sales wrote:

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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

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If the item is local pick up the seller can record a copy of the exact name on the credit card the expiry date and the csc on the back

of the card and if needs be ask the buyer for a signature on a item listing "receipt" then check the signature with the rear of the

card.

https://www.paypal.com/au/webapps/mpp/here

The paypal service above allows you to accept credit card payments directly from a credit card

If you have the little rabbit ears for your mobile phone and are signed up to "paypal here" ( see the link above) then you can

actually swipe the card and turn the transaction into a card present one.

http://www.visa-asia.com/ap/au/merchants/riskmgmt/cardaccept_present.shtml

which are invariably much safer than card not persent transactions from a risk management point of view.

[kirralaa_dist]

As a buyer I've always paid cash for items I've picked up.  You know some of us were buying things and paying cash for them from other avenues long before Ebay and Paypal even existed.  I just can't see the need for paying by Paypal.  Jeez, I bought cars and paid thousands in cash after inspecting and being satisfied with the purchase.

If I roll up to collect an item and/or it's not as described I don't buy it.  If it is, why would I need seller protection?  True enough, I've never bought a new item from Ebay and picked it up, it's always been used so in that scenario I just figure caveat emptor.

Personally I'd feel I was being pretty rude paying by Paypal for a pick up item forcing the seller to cop the fees although I do see where if it was an expensive new item where that would be wise.  These days however I find storefront businesses will regularly beat an online price anyway if it can be confirmed so I also couldn't imagine a scenario where I'd be buying an expensive, new item off Ebay. I'd be happy to see Ebay remove the requirement to offer Paypal on used pick up items but of course it won't happen.

[zahlee10]

I have been scared off by this scenario on my selling account and now only list large items as freight. Cash on pick if the buyer chooses or courier only if the buyer insists on paypal (at their expense). I think the risk to sellers is much greater having a stranger on their property than a buyer with some cash. If you want paypal I need proof of postage!