Community Chat

[gidgetgh]

I use PayPal, but pretty sparingly. I have PayPal linked to two credit cards and, until recently, only used it when making EBay purchases. 

Then I branched out a little and use it some on other online sites when buying things. When I go to check out, I sometimes use the “checkout with PayPal” option.  

I’m on Facebook and sometimes sell items on local yard sale pages. Several times, people have asked me if they can just PayPal the funds to me. Since I only have PayPal linked to my credit card, I can’t accept funds that way. 

What do some of you do?  Do you use PayPal at all? Do you use it like I do, linked to a credit card and only use it to buy things from retailers?  Or do you have it linked to your bank account so that people can send funds directly to your account. If you do that, have you ever had any problems?

And apparently there’s a new one now, Venmo. All I know about it is its name. 

[NickNack]

I use PayPal sometimes, and it's linked to my checking account.  I've never had any problems.  I use to use it on Ebay frequently when I was selling and buying.  I have also sent money to people using PayPal.

[Another new name Sue]

I avoid PayPal. Not sure about this but doesn’t the payee get a fee if paid that way? I

I did happen to use it recently because I wanted to pay a small organization and did not feel comfortable giving them my credit card, which PayPal already has of course.

Link to my bank account?  No way. 

[gidgetgh]

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@Nicknack wrote:

I use PayPal sometimes, and it's linked to my checking account.  I've never had any problems.  I use to use it on Ebay frequently when I was selling and buying.  I have also sent money to people using PayPal.

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@NickNack- are there any fees involved for either the sender or recipient when sending funds by PayPal?

[NickNack]

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@gidgetgh wrote:

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@Nicknack wrote:

I use PayPal sometimes, and it's linked to my checking account.  I've never had any problems.  I use to use it on Ebay frequently when I was selling and buying.  I have also sent money to people using PayPal.

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@NickNack- are there any fees involved for either the sender or recipient when sending funds by PayPal?

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@gidgetgh  There is a fee to the recipient, but I'm not sure what it is.  If you're sending to family or friends (I'm not sure how they phrase it) there is no fee.

[CalminHeart]

I have a PayPal account but am not very fond of it.  I use it spareingly, only when I don't want to enter my credit card info on a website.  

I've noticed that some online retailers charge shipping if you use PayPal but don't charge shipping if you pay for it on their website.

[WenGirl42]

I had a terrible customer service experience with PayPal when I got scammed by a dishonest seller who never provided the service I paid for.  Fortunately, the bulk of my purchase was paid for by my CC, which refunded me that portion. But I'll never use PayPal again.

I did think it was hilarious that, in working my way through the levels of PayPal's CS, I spoke with not one but TWO obviously female reps with thick Indian accents who told me their names were Brad and Jim, respectively.  All fine and good for the company to want their reps to pick a fake American-sounding name, but someone should really be paying closer attention...

[gidgetgh]

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@Nicknack wrote:

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@gidgetgh wrote:

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@Nicknack wrote:

I use PayPal sometimes, and it's linked to my checking account.  I've never had any problems.  I use to use it on Ebay frequently when I was selling and buying.  I have also sent money to people using PayPal.

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@NickNack- are there any fees involved for either the sender or recipient when sending funds by PayPal?

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@gidgetgh  There is a fee to the recipient, but I'm not sure what it is.  If you're sending to family or friends (I'm not sure how they phrase it) there is no fee.

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@NickNack- interesting about the fee. 

The reason this came up today today is that I have a chair and ottoman for sale on a local Facebook yard sale page. A woman and her husband are coming to look at it today. She asked me if they could pay by PayPal or Venmo. I told her no, because I’m not set up to receive funds. 

[FranandZoe]

I use it a  lot for purchases - it's linked to my checking account.  I used to sell on eBay and got paid that way too.  I can't remember about fees as a seller but there are no fees when purchasing.  

[Allegheny]

I have used PayPal for years, similar to how OP uses, so I am not well versed on the ins-and-outs of receiving payments.

I have had a couple of occasions when funds had to be credited back to my paypal account by eBay vendors and I was not charged a fee by PayPal.

However, several years ago, I sold unwanted gold jewelry to a gold dealer.  It was a sizeable amount.  They asked how I wanted payment; check or via PayPal.  I told them PayPal.  When payment arrived PayPal deducted a fee (percentage) from the payment because it was over a certain amount.  I was OK with that, as I should have done my homework before I decided how I wanted the payment.