Paypal question - Page 2

SilleeMee · ‎05-22-2016

PP protects their buyers. Read about their policy by searching:

PayPal Buyer Protection

sometimesQVCaddict · ‎03-09-2010

ANY item purchased via eBay is protected, regardless of how you "pay" for the item. So if there's an issue with the seller (or buyer) you're protected to get your money back as a buyer & not be scammed/frauded by a buyer! If that was your question??

Tinkrbl44 · ‎08-23-2010

@Kalli wrote:
@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?

@Kalli

I'm a frequent user of both ebay and paypal ... and have no idea where "goods and services" comes into this .... where do you see that?

Like others, I put an ebay purchase in my shopping cart, ready to go.

Then I go to TopCashBack and click Ebay which opens another ebay screen.

I go to my shopping cart, select Paypal, and then choose which payment method in there that I wish to use.

Might as well always get the rebate, right?

SilleeMee · ‎05-22-2016

@Tinkrbl44

I have no idea what that's about either...'goods and services' ...? Never seen that on any of my transactions on ebay.

Shelbelle · ‎03-09-2010

I also use a rebate site for ebay, works on BIN and items won by auction. I find it I have an accepted offer the rebate does not always work.

sunshine45 · ‎03-09-2010

i mentioned this above......there are two ways to pay when you use PAYPAL to make a payment to a person or some other entities like small businesses. when you go in, you are often given a choice of paying via "goods and services" OR paying via "friends and family." with "friends and family" there is no purchase protection and no fees.....which is why some people like to use it. with "goods and services" you are covered by purchase protection and the payee is going to have to pay some fees to receive that payment.

********************************************
"The world is a dangerous place, not because of those who do evil, but because of those who look on and do nothing." - Albert Einstein

Kalli · ‎03-11-2010

@sunshine45 and @moto explain it better than me. PayPal offers 2 different methods of sending $ to someone else. One is Goods and Services, where someone is selling something and someone else is buying that item. PayPal charges the seller a fee because the seller is using PP to essentially make money. And PP offers protection to the buyer in case there’s a problem with the item or in case it never arrives.

The other method of sending money through PP is Friends and Family, where someone can transfer money to a friend or family member. In this situation the transaction is not making anyone money. PP, I think, charges a very minimal fee for using this service. Or maybe there’s no charge, I’m not sure. The money is not protected because it’s assumed the transaction is safe since someone is sending their friend or family money. Shouldn’t be a problem.

Over time some sellers, not on EBay but on other sites where folks buy and sell stuff, realized if they sold an item online but asked the buyer to pay on PP using the Friends and Family method, the seller could avoid PP’s higher fees that are charged to sellers. So seller kept more of their money from the sale. But while this is a benefit to seller, there is no protection for buyer if seller receives money but never sends the item to buyer.

Apparently Ebay DOESN’T offer this choice. It’s all considered Goods and Services since someone is selling and someone is buying. That’s why I never saw the two options.

Kalli · ‎03-11-2010

@sunshine45 wrote:
i mentioned this above......there are two ways to pay when you use PAYPAL to make a payment to a person or some other entities like small businesses. when you go in, you are often given a choice of paying via "goods and services" OR paying via "friends and family." with "friends and family" there is no purchase protection and no fees.....which is why some people like to use it. with "goods and services" you are covered by purchase protection and the payee is going to have to pay some fees to receive that payment.

@sunshine45 , I knew you’d explain it better and with fewer words!

Sushismom · ‎03-09-2010

First, you are covered by eBay's Money Back Guarantee for items that are never received or not as described. You do have a time limit on eBay's coverage. I would suggest you first try eBay if anything is wrong with your purchase since opening any other type of dispute would then close eBay's.

Second, if you aren't satisfied with eBay, then try Paypal. Nor does it matter what Paypal considers this to be as it is an eBay purchase. This would also work if you somehow miss eBay's deadline. Paypal gives you 180 days to open a case.

Third, if all else fails try opening a case with your credit card. Call the number on the back of the card.

Linmo · ‎12-16-2013

Any PayPal payments made through eBay automatically default to "goods and services". If you send a payment directly from PayPal you have the option of specifying that the payment is either for "goods and services" or "send money to a friend".

If you pay for an valid eBay transaction, whether you pay through PayPal or not, you are covered by eBay's Buyer Protection Program.