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Sun Jun 23, 2019, 12:31 PM

Paying online via PayPal versus credit card

Does anyone here have any opinions one way or the other whether PayPal is preferable to credit card payment when buying items on line?

Last few times Iíve made online payments, PayPal popped up as the first choice. One site (I forget what I was paying for)(flowers I think) was really pushing PayPal.

Is one method more secure than another? Any advantages to PayPal?

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Arrow 35 replies Author Time Post
Reply Paying online via PayPal versus credit card (Original post)
MaryMagdaline Jun 2019 OP
empedocles Jun 2019 #1
MaryMagdaline Jun 2019 #20
mr_lebowski Jun 2019 #26
hlthe2b Jun 2019 #2
MaryMagdaline Jun 2019 #4
hlthe2b Jun 2019 #6
MaryMagdaline Jun 2019 #7
hunter Jun 2019 #8
MaryMagdaline Jun 2019 #9
csziggy Jun 2019 #11
MaryMagdaline Jun 2019 #19
customerserviceguy Jun 2019 #31
hunter Jun 2019 #3
MaryMagdaline Jun 2019 #5
matt819 Jun 2019 #10
MaryMagdaline Jun 2019 #18
customerserviceguy Jun 2019 #33
cyclonefence Jun 2019 #12
jberryhill Jun 2019 #13
MaryMagdaline Jun 2019 #16
dameatball Jun 2019 #14
earthshine Jun 2019 #15
MaryMagdaline Jun 2019 #17
hunter Jun 2019 #25
liberaltrucker Jun 2019 #21
MaryMagdaline Jun 2019 #22
FakeNoose Jun 2019 #23
MaryMagdaline Jun 2019 #24
wasupaloopa Jun 2019 #27
MaryMagdaline Jun 2019 #32
ProudMNDemocrat Jun 2019 #28
Freethinker65 Jun 2019 #29
MaryMagdaline Jun 2019 #30
Girl powers Jun 2019 #34
MaryMagdaline Jun 2019 #35

Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 12:32 PM

1. I used e bay, gave credit card, and saw paypal on my bill. Dunno how that works.

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Response to empedocles (Reply #1)

Sun Jun 23, 2019, 02:37 PM

20. I don't either except PayPal has always had a relationship with eBay

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Response to MaryMagdaline (Reply #20)

Sun Jun 23, 2019, 06:08 PM

26. Pretty sure they're the same corporation, actually ... founder of one or the other

purchased the other one ... but I forget the order it happened ATM. I'm sure it's on Wiki ...

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 12:36 PM

2. Every time you enter a credit card number you give up identity info to yet a new site.

whereas with paypal, the info is on ONE site and you can secure your passwords such that any attempt to hack into paypal would be unsuccessful. I use a password generator to change my paypal password monthly, as I do my online bank account.

So, while I do use a credit card in some circumstances, I have no problem using paypal and often prefer to do so.

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Response to hlthe2b (Reply #2)

Sun Jun 23, 2019, 12:52 PM

4. Thank you for this information

My credit card company actually denied payment and called me within 5 minutes to see if I was making a purchase. (I was). I guess if I had checked PayPal this would not have happened.

This almost cost the vendor a sale because I wasnít desperate to buy the clothes and Iím easily frustrated. If online is not easy, I give up. I wasnít even going to bother to get out another card.

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Response to MaryMagdaline (Reply #4)

Sun Jun 23, 2019, 12:54 PM

6. It won't happen with a "verified" paypal account (that means one you've used and for which

paypal has already verified your bank account/credit card and address information)

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Response to hlthe2b (Reply #6)

Sun Jun 23, 2019, 12:57 PM

7. Good to know

Iíll have to update PayPal. Havenít used it in years since Iím not selling on eBay anymore.

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Response to MaryMagdaline (Reply #7)

Sun Jun 23, 2019, 01:04 PM

8. You don't have to have a PayPal account to use them.

They'll process your credit card payment either way.

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Response to hunter (Reply #8)

Sun Jun 23, 2019, 01:23 PM

9. This I did not know. Thanks again

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Response to MaryMagdaline (Reply #4)

Sun Jun 23, 2019, 01:36 PM

11. I got a call from PayPal last week questioning a payment

So they do check for fraudulent activity. Problem was, it was on a payment my husband had approved and by the time he got to the phone the computer making the call had disconnected. The payment was real, he had no objection, and it went through even though he did not complete the authorization. So I am not sure how good their checks on fraudulent activities are.

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Response to csziggy (Reply #11)

Sun Jun 23, 2019, 02:35 PM

19. Thanks for feedback

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Response to hlthe2b (Reply #2)

Sun Jun 23, 2019, 08:56 PM

31. Exactly

Rather than give a card number to an online vendor, I just use PayPal, and since I don't keep any cash in my PP account, I just have it paid through my credit card, so I get the points, miles, cashback, etc.

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 12:43 PM

3. People are rightfully wary of giving their credit card information to strangers.

PayPal is not the only credit card processing firm used by smaller businesses on the internet, but it is the most familiar one.

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Response to hunter (Reply #3)

Sun Jun 23, 2019, 12:53 PM

5. Thank you

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 01:30 PM

10. I accept various payment options on my own website

If you use PayPal, Amazon pay, or Google pay, the merchant (weíll, really, itís payment processor) doesnít see your credit card. PayPal, Amazon pay, or Google pay process the payment using the credit card they have on file and the money eventually comes to my account. So, there is one less merchant out there with your credit card on it itís payment providerís system.

Of course, weíve seen over the years that any system can be hacked. But all payment processors have to abide by the same security standards. I added Amazon pay in Google paid to my website a few months ago. I havenít had anybody use Google pay, but I have had orders processed using Amazon pay. At some point, I have to check on the fees to compare them to what my own payment processor imposes.

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Response to matt819 (Reply #10)

Sun Jun 23, 2019, 02:34 PM

18. Thank you. Good information

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Response to matt819 (Reply #10)

Sun Jun 23, 2019, 08:57 PM

33. And if any of the pay sites

like the ones mentioned ever got hacked, they'd be through, people would flee them practically overnight. So, I doubt they outsource their IT work to overseas firms on the cheap.

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 01:39 PM

12. I used Paypal for years and years

It was very convenient--I didn't have to go find a credit card to order something--but then I checked on a payment. I had authorized a one-time donation but from my Paypal statement it looked like it was recurring, so I questioned it. Turned out it was OK but then I began getting emails from Paypal saying I needed to check the security of my account, that there had been suspicious activity. I was pretty sure the "suspicious activity" was me checking on a payment, but I went ahead. I was not allowed to log in! I answered the security questions and agreed to a phone call, but every time Paypal said it was unable to connect due to a problem on their end. They wanted a credit card number, but I had my account connected to my checking account, and the original credit card had long ago expired.

It was hellish. I didn't know if someone was trying to hack my bank account or what. I called them and after *two days* they straightened it out. I ended my account. I now pay with a credit card.

Paypal worked great--until it didn't.

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Response to cyclonefence (Reply #12)

Sun Jun 23, 2019, 01:49 PM

13. It sounds like you were responding to fake emails


If you called them and they wanted an unrelated credit card number, then it is not likely you were dealing with them.

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Response to cyclonefence (Reply #12)

Sun Jun 23, 2019, 02:33 PM

16. Thank you. I do like getting a live person on the phone.

One reason I like credit cards.

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 02:01 PM

14. I have used Paypal for years and never had any problems. They have never asked me for a credit card

number. They sometimes ask me to update my account by adding my mobile phone number, which I always ignore.

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 02:04 PM

15. If you think you might need product-guarantee protections, use the CC not PP.

 

You don't want to have to deal with PP if you need to fight with a merchant about getting your money back for a purchase.

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Response to earthshine (Reply #15)

Sun Jun 23, 2019, 02:33 PM

17. Thanks. I was wondering about that

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Response to earthshine (Reply #15)

Sun Jun 23, 2019, 05:51 PM

25. A small business or other entity that accepts credit card payments should NEVER handle...

... credit card information themselves.

Especially on the internet.


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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 02:38 PM

21. My Capital One MC assigns a virtual # to each merchant

So they never see the real one. Also never need to
update when I get a new card upon expiration. Cap
One automatically forwards all the virtual #s to the
new card. I love it.

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Response to liberaltrucker (Reply #21)

Sun Jun 23, 2019, 02:45 PM

22. That explains the other comments about not having to update PayPal

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 04:58 PM

23. There used to be a website called "PayPal sucks"

... and I haven't searched for it recently. But once upon a time I saw this site and read all the posts where random pissed off people told all the bad things that PayPal was doing. It completely turned me off to the point that I have never given my ID info to PP. Places like Ebay require you to use PP because they OWN it (or they used to, don't know if they still do) and they got kickbacks on every PP charge.

So I quit Ebay (because I refused to use PP and they offered -zero- alternative) probably 10 years ago. I realize this is old info but many, many people were turned off to PP for a long time.

Good luck to you!

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Response to FakeNoose (Reply #23)

Sun Jun 23, 2019, 05:12 PM

24. Thank you. I thought I had read bad stuff ... I didn't know whether it was related to eBay only

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 06:22 PM

27. PayPal credit not only ads interest to your monthly

 

balance but also a service fee.

I thought I paid of my balance and closed my pay pal credit but left $1,400.

The added $30 interest and $23 service charge on my last statement.

I wasnít aware of the service charge because I never saw a statement.

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Response to wasupaloopa (Reply #27)

Sun Jun 23, 2019, 08:56 PM

32. Thank you. This would make a difference for sure

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 06:22 PM

28. My out of state clients use PayPal to pay me....

For their custom orders. Half dlwn, the other half when the project is done. Works nice because they have PP accounts for their purchases elsewhere.

For local Alterations and custom orders, I have the Square reader that deposits the money in my bank account within 48 hours. So far, everything has been safely used.

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Response to MaryMagdaline (Original post)

Sun Jun 23, 2019, 06:25 PM

29. It can matter for in store returns of internet orders

At the store I work at, we can only offer a merchandise credit for customers that used PayPal, whereas the purchase price for the item bought directly on a credit card is returned to the credit card.

Make sure you check the return policy.

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Response to Freethinker65 (Reply #29)

Sun Jun 23, 2019, 08:55 PM

30. Thanks

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Response to MaryMagdaline (Original post)

Mon Jun 24, 2019, 03:51 AM

34. Co-founder Peter Thiel

Co founder Peter Thiel of PayPal is a Trump supporter. I no longer use my account.GGP

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Response to Girl powers (Reply #34)

Mon Jun 24, 2019, 07:35 AM

35. Reason enough for me. Thanks

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