Community Chat

[kze]

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@Caaareful Shopper wrote:

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@kze wrote:

That's normal.  It always works that way.

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@kze  Not true, not for me, ever.  Perhaps that's the way some have their PayPal account set up.  But that has never been the way PayPal works for me, and I use PayPal for nearly every online purchase except QVC and Amazon.

I use it about once a week, every week.  Any refund goes back to my credit card -- always.

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@Caaareful Shopper 

Mine has my checking with credit card as back up so that must be the difference. 

[SEGardener]

If you use Paypal either drawn against your bank account or on a debit card, all refunds go to Paypal and you then must designate on your Paypal account to transfer the money either to your bank balance or to your debit card. 

What fries me with QVC is they only take Paypal that settles through your bank account or debit card.  That's a very dangerous transaction because while Paypal is secure, the merchant may not be and somehow hackers can get to your credit/debit card on Paypal by hacking the transaction on the fly because the merchant has a crappy system.  Since that started happening I now only use my Paypal Credit which is a digital credit card.  That completely protects me from that type of hacking. In fact EVERYTHING I buy online is either via Amazon or through Paypal credit.  I'm protected for every fraud over $50.  But QVC has apparently decided to not honor Paypal Credit but would rather place customers at risk of using the old Paypal processing through their bank account.  Maybe they think that pushes their customers to their Synchrony Card...

[SEGardener]

If you use your debit card it transfers to your bank within an hour if you pay the processing fee, which is fair.

[SEGardener]

That's the difference.  If you use your bank account the processing for either the payment or the refund is ACH processing.  Debit cards can be set up to be used like a credit card processing through VISA or MasterCard.  However, if you have a debit card issued by your bank that is not associated with either VISA or Mastercard, it acts like cash and processes via ACH.  That's why it takes 3-5 days AFTER you request transfer to your bank.

[riley1]

If you paid with a credit card, that is where the refund goes back to. Maybe PP told you to contact your CC company because they might be slower at posting your refund.