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Paypal/ebay Questions

Schmids5.3l

By Schmids5.3l
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Schmids5.3l Senior Enthusiast

Schmids5.3l

Posted
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I created an E-bay & Pay-pal account today because there are too many good deals to pass up. Anyways I want to strictly use just my credit card on Pay-pal, I don't want to associate my bank with this. My CC is all that I've put on Pay-pal. On my Pay-pal it says I have an unverified status, which says I haven't added and confirmed a bank account or pay-pal card. Do I have to add a bank account? If I win an auction on Ebay it will just charge my credit card thru pay-pal correct?

2000DV4.8 Senior Enthusiast

2000DV4.8

Posted
Posted

Nope, I haven't verified my paypal account for about 3 years, and you don't need to put a bank account on. When you win an auction, it'll send you an email, and you click the 'pay now' link in the email, and sign in to pay pal. I think that's how it goes, I've only done it a few times, but it's really self explanatory.

Schmids5.3l Senior Enthusiast

Schmids5.3l

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Nope, I haven't verified my paypal account for about 3 years, and you don't need to put a bank account on. When you win an auction, it'll send you an email, and you click the 'pay now' link in the email, and sign in to pay pal. I think that's how it goes, I've only done it a few times, but it's really self explanatory.

 

Awesome, thanks Dan.

2000DV4.8 Senior Enthusiast

2000DV4.8

Posted
Posted
Awesome, thanks Dan.

 

No problem. Don't quote me on the ebay purchasing process, but it's really not complicated, just take your time the first time you do it.

dietz4ibanez Senior Enthusiast

dietz4ibanez

Posted
Posted

Wow... I have been on Paypal since 2004 and never had any problems with it... I do have a business account though... Before the economy crash my interest was around 5%... So if I sold something on ebay and used my Paypal credit card would get 5% cash back... right now its around 2.5%

Schmids5.3l Senior Enthusiast

Schmids5.3l

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Awesome, thanks Dan.

 

No problem. Don't quote me on the ebay purchasing process, but it's really not complicated, just take your time the first time you do it.

 

 

:lol: Will do. Hopefully I'm getting some LS1 electric fans in 3 days for a steal...not even a steal, a robbery!

 

 

 

 

Ahhhh...the evils of paypal. Remember some rules before you use Paypal. Paypal is not a bank & your money is not federally protected. You must protect yourself.

 

NEVER send a payment in any way other then credit card. Not a bank transfer, not an existing balance transfer, not a debit card. No other way except credit card.

 

By using a credit card you now have federal protection & can back charge paypal if a deal goes south. Pay any other way & you are SOL.

 

NEVER leave a balance in your paypal account. Empty it immediately when you receive a payment. If your account gets frozen, you may never see your money. Remember, paypal is not a bank & does not have to play fair when it comes to freezing accounts. If the money is not there, they can't freeze it.

 

NEVER use you normal bank account to verify. Set up a savings only account & do not keep one cent more then the minimum balance. Make sure you have no overdraft protection on this account, that way if paypal tries to pull money out, it is a dead end for them.

 

NEVER respond to an email from paypal, because it is likely not from paypal. If you get one, delete the email & go directly to paypal & check your messages. DO NOT CLICK THE LINK IN THE EMAIL. If the message was legit, it will be in your paypal message box.

 

That should get you started.

 

All this is why I'm using my credit card exclusively. I've read and heard too many horror stories of people using debit cards online. This is why I have my new "internet credit card", max line of $500!! Worst case scenario is I fork over $500 to Capital One and raise my credit score. :smash:

NFSGamerUSA Enthusiast

NFSGamerUSA

Posted
Posted

Just a forewarning, some sellers may require a verified PayPal account to be sure that it's the correct address for the credit card and not some fraudster. Most of the time I've been able to get around this, but if they won't let you, just tell them you won't be paying. Be sure to check to see if they mention needing a verified PayPal account in the listing before bidding/buying, though.

 

I will disagree to an extent regarding the last statement Won_Hunglo said. Hold the cursor over any links to check and see if the link at the bottom of the screen is something to the extent of "http://www.paypal.com/". If anything looks a little funky, such as second-level domain (.com._, etc.) then it's a spoof. Unless it's asking you to update information or saying your account will be locked, it's likely a real one. The stuff you get from PayPal usually is just ads asking you to use one of their PayPal cards or other promotions. I'd say they're 50/50.

Outbacker Enthusiast

Outbacker

Posted
Posted

I actually went out and got a credit card for one purpose, and that was Paypal and any other on-line purchases. There is no fee for the card, and if it is ever compromised, I cancel it and carry on getting a new one. I told the bank that I got from what its purpose is, and they had no problem with me canceling it at short notice. Plus they cover any on line fraud.

I have used Paypal for Ebay for several years now, and have never had a problem. One thing to be aware of is sometime I have received e-mails from someone claiming to be Paypal, asking me to verify information and change passwords. I normally forward the e-mail onto Paypal as they claim that they will never contact someone and ask them to change their account information.

If I recall, it took a long time for my credit card to be verified on Paypal, but eventually it did. Maybe it takes a certain number of transactions to be verified. Who knows?

KCXLT Enthusiast

KCXLT

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When I signed up years ago Paypal charged the credit card with $0.05 and put a code in the description. You then go back to the Paypal site and enter that code so they know you got the bill.

 

Don't believe Paypals hype about guaranteeing your money. I purchased something, $24 and never got it. Went through the process with Paypal and won, but the guy didn't have any money in his account so I got nothing. It wasn't worth the hassle to go to the CC company and get it refunded.

ricko2 Enthusiast

ricko2

Posted
Posted

I've use paypal and Ebay for years, never had a problem. I do get fishing emails that say they're from both all the time.

Zembonez Senior Enthusiast

Zembonez

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Posted

As with anything you do online, it pays to keep your eyes open and watch seller feedback ratings.

 

Since 1999, I have a 1090 all positive feedback rating on Ebay (go look... the name isn't hard to figure out) and a verified Paypal account since 02 that has 304 transactions on it. I've used Paypal as a seller and a buyer and usually keep a few hundred in the account just for quick Ebay money. Never had any problems. It is not linked to any bank account.

Schmids5.3l Senior Enthusiast

Schmids5.3l

Posted
  • Author
Posted
As with anything you do online, it pays to keep your eyes open and watch seller feedback ratings.

 

Since 1999, I have a 1090 all positive feedback rating on Ebay (go look... the name isn't hard to figure out) and a verified Paypal account since 02 that has 304 transactions on it. I've used Paypal as a seller and a buyer and usually keep a few hundred in the account just for quick Ebay money. Never had any problems. It is not linked to any bank account.

 

 

This is key. I don't see how people with 5+ bad sale transactions in the last 6 months still sell anything. Edit: unless they are a power seller who sells 2500 items in 6 months. Then I wouldn't see a few bad rep points as a big deal.

thewaterboy Enthusiast

thewaterboy

Posted
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I always thought they should have a negative feed back quick tab . Just so ya dont have to search around to find what went wrong with a past auction .... Ive never had a problem with paypal or ebay in the 10yrs since I signed up . I do however have a seperate account that I only use for ebay stuff just in case :D

DofD Senior Enthusiast

DofD

Posted
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I've had my Pay Pal account since 2000 and never had an issue with it (touch wood). Back then PayPal made like 5 cent charge on my account with a code that appeared on my CC bill that I had to enter into my PayPal account.

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