Community Chat

[Kalli]

I'm purchasing an item on e bay through PP.  I made an offer and it was accepted.  I clicked on the link in my email to finalize.  I am paying by CC. That should give some protection.  But I want to make sure it's paid through Goods and Services so I have PP protection.

Is Goods and Services now automatic when buying from e bay? Or automatic when paying with CC?  

Or will that option be available once I click "finalize"? Or am I being stoopid?  

TIA

[SilleeMee]

I never click through any email to pay for items from ebay. I go directly to my ebay account and pay for my items that way by choosing PP as my option to pay.

[Shelbelle]

I do exactly what Sillie Me does, pay PP thru ebay. 

[sunshine45]

i go to ebay through my rebate sites so that i can get rebates on my purchases. click on ebay via mr rebates and it takes me to ebay. i sign in and pay for my items from there.

[Kalli]

@Shelbelle @SilleeMee , ok.  I went to my ebay and I had a message from the seller saying my offer was accepted.  I clicked to pay by PP from my ebay message.  It takes me to the same screen on PP that gives me a choice of my CC or bank account. Once I click on my CC the bottom of the screen says, Pay Now.

I'm back to wondering, if I click pay now, am I covered through Goods and Services?  Or just through my cc? Or does it not matter since I'm using a CC?

[SilleeMee]

@Kalli 

I go to my cart on ebay and pay for my stuff there. When you choose PP as your method of payment there you'll have a choice of cards (cards which you have placed in your PP wallet) to use to pay for your stuff. Once paid for the transaction will appear on your PP account activity and there you will see the type of sale it was. Not sure what you mean by "goods and services"...??

[moto]

I understand your question, no one else seemed to pick up what you are asking. Not a frequent eBay user, but am fairly certain this defaults to goods and services. I can't recall an option to send funds to family or friends within any eBay transaction I've made. 
Also seems likely you would have a secondary coverage with your credit card company if there is a problem. 

Edited to add: Years ago, it was common for sellers online to request that you send payment via PayPal using the "send money to friends" feature as it did not incur any fee.    As near as I can recall, those were transactions outside the eBay platform. I think you can feel confident you are protected within the eBay ecosystem. 

[sunshine45]

when using paypal to pay someone OFF of ebay, you often have the choice of "goods and services" or "friends and family." i think if you are going to pay via ebay it will always be through "goods and services" and not "friends and family." 

it is usually not good to pay anyone via "friends and family" unless you know them well or paying them back. you will not NOT be covered and not be able to make any claim.

[Kalli]

@SilleeMee I have a feeling I'm making this more difficult than it is but sometimes I do that without intending to.

This is a large purchase for me.  I know that folks who pay by Friends and Family aren't covered by PP insurance IF the item never arrives.  I just wanted to make sure I'm covered if the seller never sends this item.  It's located clear across the country from me.  If it never arrives, it would be very difficult to travel to that area and file a claim.  Just want to be sure my purchase is protected IF it never arrives.

[Kalli]

@sunshine45 @moto , thanks!  You both answered my question and I'm off to finalize the purchase!

I appreciate everyone who responded here! I'm sorry my question wasn't as clear as it needed to be.