RetroBargains
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posted on July 14, 2003 11:23:39 AM new
I have a PayPal Premier account. Why does PayPal require MY customers that are paying by Credit Card to register with PayPal?
I find this is a deterrent and a guaranteed loss of a purchase - I have lost sales due to the PayPal registration requirement for credit card users.
Wake Up PayPal - you're causing sellers and PayPal to lose revenue over this - make it an OPTION to register - don't make it mandatory!
Even PayPal Customer Service was confused and couldn't give me a straight answer (probably intentional) until after 5 email exchanges.
Venting because I can...
Greg
Greg Williams
Retro Bargains
www.retrobargains.com
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stopwhining
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posted on July 14, 2003 02:30:50 PM new
i thought it has always been like this-your customer wants to use a service called paypal with their credit card,paypal needs to protect itself by knowing a few things about your customer-who are they,where do they live and IS IT REALLY THEIR CREDIT CARD??
Dont forget paypal seller protection protects you from bad credit card transactions if you ship to confirmed address??
if you dont like this arrangement,you can either apply for your own merchant account or get an account with www.propay.com.
or tell your customer to use their credit cards and buy you a money order via bidpay or payingfast.
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RetroBargains
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posted on July 14, 2003 04:57:01 PM new
No. Not what I said.
I have a customer that wants to pay by Credit Card. Given customer may or may not have ever heard of PayPal. This is you average Joe or Jane that purchases everywhere online using a major credit card and/or debit card backed by Visa, Mastercard, etc.
They go to checkout at my site using their credit card and WHAM! you must register with PayPal before your transaction can be processed.
I understand what you are saying about "seller protection" but in reality that is "PayPal protection"...ie, PayPal insuring they get maximum sign-ups by forcing the registration. I can't buy into the "seller protection" gimmick.
Face it - there are shady characters out there everywhere and unfortunately credit card fraud has been there since the first credit card was issued. Forced registration at PayPal is NOT going to stop the chargebacks or fraudulent charges. It WILL stop the average person from making an impulsive purchase...resulting in lost sales.
Let me see... I'm trying to think of all the places I use my own credit cards and debit cards to purchase goods and services and for the life of me, I don't recall ANY of the businesses REQUIRING me to register with them or their business partners or even witht he credit card processing service the business uses! Why? Because they have GOOD SENSE not to require such a ludicrous act! They are professional businesses that KNOW doing so would lose sales.
PayPal is over the mark on requiring PayPal registration to process MY customer's credit card transactions. Period.
As a business owner it is MY responsibility whether to fulfill an order, to determine whether or not a payment received via credit card or debit card is legitimate, and whether or not the address coincides with the information I received from MY customer. This is NOT PayPal's responsibility.
Yet PayPal offers (and promotes) "credit card processing" for their Premier and Business accounts but ONLY with PayPal registration. Of course credit card processing is not offered with PayPal Personal accounts.
PayPal needs to retract the registration requirement for credit card customers or state flat out this is not a credit processing service. No in-betweens when it comes to losing my customers.
As for finding a REAL merchant service? You bet! I'm looking for one now!
PayPal is not a convenience. It is a business that is concerned ONLY with their bottom line - and that is understandable... but when they offer a service such as credit card processing businesses and "add-on" a disservice such as MANDATORY- registration-just-to-process-your-card to MY business customers they are out of line and totally unprofessional.
PayPal needs to stick to their business and keep their nose out of everyone elses business.
Greg Williams
Retro Bargains
www.retrobargains.com
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stopwhining
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posted on July 14, 2003 05:30:45 PM new
u said they went to your site??i assume this is outside ebay ,so how did paypal pop up a message at your site??
who put paypal on your site??
is it an ebay store??
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RetroBargains
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posted on July 14, 2003 05:42:02 PM new
Yes... there IS life after eBay (grin).
I don't have an eBay store. I have a Vendio store and it is setup to accept PayPal payments at checkout along with my Vendio-managed eBay auctions.
I do have my own website www.retrobargains.com which is basically a bridge to my Vendio store.
PayPal offers Premier and Business account members to place HTML on their website claiming to process direct credit card transactions. I was looking at placing that link as a convenience for my customers. (Everything from my site processes through my Vendio store). In a Store Manager thread here at Vendio I had even asked the Vendio staff how I could get the credit card processing link to show at checkout for my customers wishing to pay by credit card. This was solely based on PayPal's first response that credit cards are accepted without PayPal sign-up.
I don't have a regular merchant account and was exploring PayPal's claim that I actually DO have a merchant account able to process credit cards from customers. Well I do, but ONLY if the customer registers with PayPal.
Kind of useless I do believe.
Greg Williams
Retro Bargains
www.retrobargains.com
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stopwhining
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posted on July 14, 2003 06:04:54 PM new
i think you are confused.
paypal has a merchant account with a bank,and all our transactions go thru that account.
to the bank which provides the credit card processing service,all they know is that they have paypal as a customer,it does not know anyone of us.
thats why a chargeback hits paypal.
paypal cannot process your cc transactions like a merchant account provider as it is not a merchant account provider.
most merchant account providers are banks,and they will require you to pay a monthly fee/statement fee,minimum discount fee.for every transaction,there is a transaction fee and a discount rate.
if you want a shopping cart on your site with online authorisation,address verification and batch processing,there are fees for that too.
of course there is a chargeback fee usually ranging from 25-50.
some of them will require you to have a commerical checking account with a bank and banks would want you to apply for DBA with the city/state.
take a look at propay,you can set up propay at your site and your customer does not have to register.
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tomwiii
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posted on July 14, 2003 06:05:44 PM new
Sorry...seems like a NON-ISSUE!
Has always been this way, &, hopefully, PP will keep it this way!
Ralphie loves Mr Blonde:
"Are you gonna bark all day little doggie, or are you gonna bite?"
http://tinyurl.com/5duz
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RetroBargains
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posted on July 15, 2003 12:23:51 AM new
stopwhining:
No, I'm clearly NOT confused. I already know what you stated above. I think if you would take the time to read my other posts your confusion would clear also.
Here's the link:
http://www.vendio.com/mesg/read.html?num=48&thread=3728
My entire point is that PayPal CLAIMS to direct process credit cards - and they will - but ONLY if the credit card holder REGISTERS with PayPal first!
PayPal offers a service under the guise of a merchant account - goes to the trouble of creating a graphic and link taylored for your account that you can place on your website - NEVER states anywhere that the buying customer has to register first to pay with a credit card. That is just unacceptable.
On the other hand, strictly PayPal to PayPal or echeck payments I can understand requiring the customer to be a registered PayPal member - whole different ballgame.
I'm very clear on the email battle/exchange for me to get a straight answer from PayPal regarding this issue - and I'm very clear on all the issues and hazards of chargebacks from a merchant account - that's why I will get one so it will WORK like a merchant account. Chargebacks are business losses to be filed at tax time. Fees involved are business expenses to be deducted at tax time. Licensing in local & state is EXPECTED for anyone doing business and I have done so. Haven't you?
I still haven't caught on to the current marketing concept that it is okay to lie to the general public - I won't accept it and everyday I see marketing ploys, half-truths, misleading information and just blatant lies in commercials, advertising and marketing. That's okay though... it helps me to easily identify the products and services offered by companies that I will absolutely not do business with.
tomwiii: A non-issue? Absolutely not in my opinion. Just because "something has always been this way" doesn't make it correct, and if you don't speak up about things then it is understood to be acceptable and nothing will EVER change. As for me I have a voice, I have an opinion, and both shall be heard when I see a blatant flaw as this.
Best regards,
Greg
Greg Williams
Retro Bargains
www.retrobargains.com
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stopwhining
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posted on July 15, 2003 06:36:17 AM new
i dont really undestand why you who claim to know all about merchant account insist paypal to behave like a merchant account provider??
it is not a merchant account provider.
if they have misled you then just kiss them goodbye and get a real merchant account.
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RetroBargains
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posted on July 15, 2003 09:14:18 AM new
You know you are beginning to just piss me off. Telling me that I'm confused and next by putting words in my mouth that I claim to know everything about merchant accounts.
You have extreme difficulty in forming your own words and opinions - please allow me to form and express my own. If you can't grasp the concepts and reasons thereof, then move on to an easier to understand thread.
I apologize, but I refuse to belittled and disected by those unwilling to capture the points expressed.
In regards to regards...
Regards,
Greg Williams
Retro Bargains
www.retrobargains.com
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stopwhining
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posted on July 15, 2003 09:37:51 AM new
YOU PISSED ME OFF BIG TIME!!
take your last pennies and apply for a merchant account and have your own website.
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RetroBargains
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posted on July 15, 2003 09:43:16 AM new
How does it feel?
Greg Williams
Retro Bargains
www.retrobargains.com
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noh2
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posted on July 15, 2003 09:50:01 AM new
a paypal business or premier account allows the seller to accept credit card payments from customers who have registered with paypal.
whoever tells you otherwise is wrong.
are these overseas customers??
nobody important!
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noh2
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posted on July 15, 2003 09:59:27 AM new
retro bargains,
there will always be customers who are hard to please.
if this is their only complaint-not want to register with paypal,why dont you ask them for a check or money order??or send them to payingfast,they can use their credit card and send you a money order.
discover has a site ,you can process discover card transactions.
if you are a member of costco,they also provide merchant account service.
may be sam does too.
of course they can always overnite fedexp cash to you.
nobody important!
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RetroBargains
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posted on July 15, 2003 10:01:56 AM new
NOH2: "whoever tells you otherwise is wrong. are these overseas customers?? nobody important"
You are correct on both counts! <grin>
It was PayPal Financial Department customer service reps who informed me of this. See the posts above.
Just another devious ploy by big business to snag more customers using us PayPal sellers to do the dirty footwork for them.
I'm clearly "unsold" on PayPal because of this issue even though I've used them for a long, long time.
Greg Williams
Retro Bargains
www.retrobargains.com
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RetroBargains
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posted on July 15, 2003 10:10:53 AM new
noh2:
I understand all of that and I understand my options that are available to me - I know that I have a choice (many choices). My entire point is focused on the underhanded business policies of PayPal in general - where one thing is offered but another is presented.
That's the heart of the matter. And you are right - there are many other ways for customers to pay but as you know, it is difficult to get anyone to READ in the first place, so it is my observation that PayPal assumes my "blind" customers will fall in place like cattle and complete the registration with PayPal just to pay with their credit card.
In reality it's a moot point really as this is an accepted PayPal practice and as long as sellers using PayPal continue to allow this deception to continue by accepting credit cards through PayPal it is considered a victorious deception by PayPal.
So with that, I will clearly post on my auctions that Credit Card Payments Through PayPal Require PayPal Registration.
I won't be a part of the deception.
Greg Williams
Retro Bargains
www.retrobargains.com
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stonecold613
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posted on July 22, 2003 09:31:52 PM new
This belongs in the Dah file.
If I were you, I would get a merchant account as well. It is far cheaper that PayPal and there is much more protection for the seller when shipping to another country.
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stopwhining
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posted on July 23, 2003 06:05:55 AM new
having your own merchant account does not offer better protection for overseas transactions.
so far only UK address can be verified .
the only safe way for overseas transaction is wiretransfer.
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