Buyer protection paypal etc

londoncommuter

Apologies for the basic question but what are the pitfalls of the various payment options online?

I'm after something on ebay from a shop in Hungary. They've asked that we use Paypal outside of ebay to save them the 10% ebay fees. They'll send me an invoice in paypal so I'm assuming they don't want a Paypal gift or whatever they're called.

I'm guessing that as my Paypal account is linked to my credit card, I'd have protection under both Paypal and the credit card if anything goes wrong but is that right?

I guess I could just use my credit card to pay for it instead as Paypal does seem a bit of an unnecessary step but as the buyer isn't asking for that, I suppose I'd be mad to lose that extra protection?

They seller seems fairly legit but is it a lot of money. Not sure I fear being out and out defrauded more that it turns up slightly battered or not quite as described. It would be great to have some comeback at that point.

Many thanks for your wise advice.

rowlers

You get no credit card protection when using your credit card through PayPal. So if you want CC protection use it "straight".
https://www.paypal.com/uk/webapps/mpp/paypal-safety-and-security
As long as you pay an Invoice, I think you are covered. PayPal "gift" obviously not....

diy

If a company is willing to defraud it's business partners it gives a hint at how they might treat customers similarly. it's one thing for an individual to offer this but a company needs to maintain a higher standard in my view.

londoncommuter

[url=http://www.bikeradar.com/forums/viewtopic.php?p=19732754#p19732754]rowlers[/url] wrote:

You get no credit card protection when using your credit card through PayPal. So if you want CC protection use it "straight".
https://www.paypal.com/uk/webapps/mpp/paypal-safety-and-security
As long as you pay an Invoice, I think you are covered. PayPal "gift" obviously not....

Thanks for the tip although the link you sent says the bit below, so it must be a possibility? Is it the T&C of the credit card that prevents it?

"When a buyer requests a chargeback or payment reversal from their credit card company, PayPal may need to refund the amount to the buyer, so they're happy. We put a hold on the funds in the seller's account until the issue is resolved. We're involved at every step of the process and will keep everyone informed."

londoncommuter

[url=http://www.bikeradar.com/forums/viewtopic.php?p=19732761#p19732761]diy[/url] wrote:

If a company is willing to defraud it's business partners it gives a hint at how they might treat customers similarly. it's one thing for an individual to offer this but a company needs to maintain a higher standard in my view.

Fair point but everyone hates Ebay charges

Anonymous

Call their bluff. Ask them if they will sell on ebay if you pay the 10% yourself ( I am not suggesting you do, just ask the question) If they refuse i would take them as being to dodgy to bother dealing with.

rumbataz

My advice would be to keep everything above board and legit. It's really not worth the stress and hassle if you get messed around.