Paypal

[norgaards]

Hi all,

I live in Denmark. I just wondered how professional paypal is being considered in the US? I've personally been hesitant buying from businesses having paypal only as a paying option. I prefer ordinary payment via visa, mastercard and etc. I know this can be done via paypall but why is paypall necessary? My impression when seing an online shop taking payment via paypall only, is that it is "Joe selling from his kitchen table." - Am i wrong?

Thanks
John

[BarryGrant77]

Hi John,

if you start an online business where people pay by CC, you ask yourself if you should develop the whole booking process or just link to paypal. Paypal takes care about the validation, payment process and all data the user enter. If you store all CC numbers on your own Webserver, you're recommendable for all those data.

Including Paypal save you a lot of time during the development process too.

If you offer other payment services to your customers, this would be a good idea, but i think paypal is one of the most famous currently.

Hope this helps,
barry

[tingeofpink]

i think paypal is really a neat, useful tool. i think there's nothing more convenient. besides, almost everybody in the US is using it. all it takes is a few clicks of the mouse button. it's as good as cash anyway, coz you can withdraw your funds directly to your bank account. it just makes it more convenient for online purchases.

[pete]

You are 5 or 6 behind in your thinking. That used to be the case, but is no longer.

I offer both, sell internationally as a wholesaler and 95% easily of my payments are by PayPal.

And PayPal Mass Pay is wonderful for larger orders. Seller pays no fee at all and the buyer pays $ 1 to send it. Only catch, the buyer must have funds in the seller's currency.

I was once of the same mind as you, if I offer cards, why do I need PayPal. You need it because people are comfortable with it and in my case, my customers sell online and have a balance in their PayPal account.
.

[rdonovan1]

PayPal is not secure at all and if something happens, then it is your head as far as they are concerned.

I know because I once thought PayPal was good, but have since learned from them that they are not good at all. I trusted them to protect me and my account, but they chose not to do that and now because of the fact that they have no security protocols in place to protect you or your account from fraud at all.

[Heyjay]

Originally Posted by rdonovan1

PayPal is not secure at all and if something happens, then it is your head as far as they are concerned.

I know because I once thought PayPal was good, but have since learned from them that they are not good at all. I trusted them to protect me and my account, but they chose not to do that and now because of the fact that they have no security protocols in place to protect you or your account from fraud at all.

In defense of PayPal, PayPal does have extensive security protocols in place. I don't know what kind of fraud you were victim of, but the most common type where money is stolen from an account, the typical cause has to do with a password being somehow compromised. There are safeguards we all need to follow in regard to pin, passcodes, and privacy protection. Such safeguards are OUR responsibility, to some extent.

I don't know your exact situation, but I do know that PayPal, for their part, has extensive measures in their system. They have implemented on all their servers several protocols (SSL encryption, IPsec) and very probably several others. There's a whole lot more that could be said about this, but from my perspective, I've been using PayPal for several years now and I'm convinced their security measures are state-of-the-art and were designed for our protection as well as theirs.

[rdonovan1]

Originally Posted by Heyjay

In defense of PayPal, PayPal does have extensive security protocols in place. I don't know what kind of fraud you were victim of, but the most common type where money is stolen from an account, the typical cause has to do with a password being somehow compromised. There are safeguards we all need to follow in regard to pin, passcodes, and privacy protection. Such safeguards are OUR responsibility, to some extent.

I don't know your exact situation, but I do know that PayPal, for their part, has extensive measures in their system. They have implemented on all their servers several protocols (SSL encryption, IPsec) and very probably several others. There's a whole lot more that could be said about this, but from my perspective, I've been using PayPal for several years now and I'm convinced their security measures are state-of-the-art and were designed for our protection as well as theirs.

Perhaps you have had better luck with PayPal than I have because so far PayPal has shown to me that they really don't have much in the way of good security at all.

One of the problems that I developed with them related to a rather complex issue in which a man that I was talking to on the internet and that I thought was being honest with me told me that he was going to send me some money because he had wanted help with a woman that he knew and that he wanted to keep a secret from his wife because he was afraid that if his wife were to find out about this woman, then he would end up having problems with his wife which could have resulted in her leaving him.

I understood that because I have been studying women and relationships for a long time and I do know that jealousy with a woman can be very serious and one in which they are not very likely to understand or to even readily forgive you on even if the other woman is just a friend.

The only reason that I agreed to help this man is because he promised me that if I were to help him with his female problem then he would help to provide the funding that I needed to get many of my business idea's off the ground and to help me with my own female problems that I was having at the time.

I have had previous problems in the past with scammers from Nigeria and other parts of the world including the United States and I have made the mistake of giving out bank account information thinking that maybe the person that I was talking to at the time was really going to deposit money into my bank account and because of what had happened before with my bank account stuff I thought that PayPal would be a safer way to go and that PayPal really did have good security procedures in place to help protect both me and my account from fraud.

Little did I know at the time that the guy that I was talking to was playing a scam on both me and PayPal as I did not find that out until after money was deposited into my PayPal account and was cleared by PayPal.

If I had known that at the time the money that was being deposited was not legitimate, then I never would have agreed to anything at all with him and would have walked away from the whole thing.

I wish that there was a way in which I could have known outside of trying to do my best to determine if he was lying to me or not, but since I am not a police officer or a private investigator and since it does cost money to try to investigate anyone as well as a whole lot of skill, there was really little that I could do and even if I did have the money and the skill, there is probably not much that I probably could have found out about the guy anyways due to the data privacy laws and due to the fact that anyone can be anyone on the internet at any time.

Getting around the laws is something that is generally not something that your average person can do and without being able to prove to a judge that you have just cause it is generally very difficult for most people to be allowed access to sensitive information.

Maybe some people can get at sensitive and private information quickly and easily, but I sure can't as I don't have the knowledge, skill, experience, or even the proper resources to do that.

[ktaylor310]

When setting up an online store, in order to accept credit cards you have to purchase a merchant account as well as a secure gateway to process the credit card transactions. Paypal is often a less expensive alternative for online merchants as they can accept all major credit cards without purchasing a merchant account. Since transactions are processed securely from the Paypal site it also does away with the need to purchase a gateway. You are probably right that most companies that only accept Paypal are smaller in size, but that is not an indication of the type of services or quality of product you will receive.

Many people used to be turned off by Paypal as they were required to sign up for a Paypal account before they could make a payment to the merchant. That is no longer the case and customers can now pay without signing up for an account - which really seemed to boost the popularity factor.

Paypal is a perfectly acceptable payment method in the United States and is becoming more popular as many small businesses go online. As with any online merchant, you should carefully review the merchant's privacy and refund policies before purchasing items. Also, if available, read through the customer reviews.

No credit card processing company (Paypal included) can protect account owners who give their account information away - especially to strangers who are promising money for favors. I agree with HeyJay, there is a level of responsibility that falls on us.

[rdonovan1]

Originally Posted by ktaylor310

When setting up an online store, in order to accept credit cards you have to purchase a merchant account as well as a secure gateway to process the credit card transactions. Paypal is often a less expensive alternative for online merchants as they can accept all major credit cards without purchasing a merchant account. Since transactions are processed securely from the Paypal site it also does away with the need to purchase a gateway. You are probably right that most companies that only accept Paypal are smaller in size, but that is not an indication of the type of services or quality of product you will receive.

Many people used to be turned off by Paypal as they were required to sign up for a Paypal account before they could make a payment to the merchant. That is no longer the case and customers can now pay without signing up for an account - which really seemed to boost the popularity factor.

Paypal is a perfectly acceptable payment method in the United States and is becoming more popular as many small businesses go online. As with any online merchant, you should carefully review the merchant's privacy and refund policies before purchasing items. Also, if available, read through the customer reviews.

No credit card processing company (Paypal included) can protect account owners who give their account information away - especially to strangers who are promising money for favors. I agree with HeyJay, there is a level of responsibility that falls on us.

The only thing that I gave them was my e-mail address. If a person has your e-mail address and if you have a PayPal account, then they can send money to your PayPal account using your e-mail address.

[rdonovan1]

My whole issue with PayPal started because I was a truck driver driving over the road and due to the fact that I had been studying seduction and attraction and that I had wanted to start my own businesses as well as the fact that at the time I was not getting any help from my mother or anyone else I thought that the only thing that I could do was to try to find a girlfriend or a wife.

I started out initially in 2006 with a dating website called love-town.com and at first I thought that I had met some decent women there, but that quickly escalated into a nightmare and as a result I had lost a lot of money believing in them and their stories.

After that I figured that I would try MySpace instead and that I would look closer to home.

The first girl that I met seemed ok at first, but that quickly turned into a nightmare as on the first call she told me that she had genital herpes and that she wanted to come over to my place and have sex with me.

Needless to say I found that to be a turn off. After that she started to call me constantly and 9 times out of 10 during the middle of the call it would go quiet and then someone else would pick up the phone and start to accuse me of calling them. Eventually it got so bad that I had to have my phone number changed.

The next girl that I met on MySpace said that she had just moved to Albuquerque and that she was originally from Ireland and supposedly she had gone to Ibadan, Nigeria on business and got stuck there.

Due to previous problems that I have had with Nigeria I was not very willing to believe her, but she did give me an address in Albuquerque which is where I live now that I did go over and checked out in person. The address that she gave me was wrong, but the general area that she told me about was right and as a result I gave her the benefit of the doubt largely in part because of the fact that I myself had not really had much time to really get out and explore Albuquerque.

During my conversations with this woman me and her starting talking about many of my business ideas and as a result she agreed to help me to fund my business ideas if I would just help her to get home so that she could access her estates and her money that she supposedly had comming to her.

I agreed to help her only with her hotel bill and she told me that she had a client of her late father that was supposedly going to reimburse me the amount that I spent on her hotel bill.

After a while of him telling me that he could not send the money that he promised because it was all locked up with his attorney and supposedly there were some legal issues that at the time were preventing him from getting his money I stated to get very, very suspicious of the whole thing and I told this girl that.

In Janurary of 2008. This guy introduced me to an alleged colleague of his that supposedly owed him money and as a result they decided that they were going to send me $7,000 dollars. Part of it I was supposed to keep as reimbursement for what I spent, and the remainder was supposed to be split two ways. One half was supposed to be used as capital towards getting my business going and the other half was supposed to go to her to help her offset some of her expenses.

At first they wanted to have the money sent to my bank account. First they tried depositing money via a check at the teller which did not clear, then they tried to wire money into my account and that did not work either.

Eventually I got frustrated and irritated with the whole thing and told them that if they wanted to send any money to me, then they would have to do it via PayPal because I was sick and tired of the whole bank issue and I was not going to take it anymore. I also thought that PayPal was more secure and that they would not allow any money into my account that was not legitimate and legal.

After the second bank account issue I had a fallen out with the client of this girl and after a while things pretty much went quiet.

In April of 2008, the second man IM'd me via Yahoo Messenger and told me that he would help me if I would help him to take care of a woman that he had supposedly met in person and that was supposedly stuck in Ibadan as well.

The story that he gave me was that he did not want his wife to know about this woman because if she did know, then the jealously factor would kick and could possibly destroy his marriage. I understood that because of my studies of seduction and attraction and because of my desire to start my businesses and to help my friend I reluctantly agreed to help him.

Little did I know at the time that he was playing both me and PayPal and when money was deposited into my PayPal account and was cleared by PayPal I thought that money was legitimate and honest and that the money had come from him.

As a result I fulfilled the terms of the agreement that I had with him, but little did I know at the time that the funds that were deposited into my account were stolen from someone else. If I had known that, then I never would have agreed nor would I have gone any further with him.

As a result that has left me with a problem in which I don't know as to how to get out of because in my opinion PayPal should never have deposited that money into my account nor should they have made it available to me without first checking the source of the funds and as to the legitimacy of the funds and if they had done that then they would have discovered that it was a fraud.