I just want to know if you guys accept paypal full time, as a payment option. If you do or do not :) please feel free to tell me about it.

I am thinking about using them full time(When I say full time I mean, all the time, as a payment option. Not just to select clients)

But I also see people who use paypal to help hide bad funds - what the heck?

Not sure what to think, so I turn to you! Do you use them? Does it work well? Charge backs? Bad funds? Problems?

It sometimes happens that payments don't go through and you have contact the client and ask them to make sure there account can send funds.

And sometimes if someone changes their credit card or something the subscription gets cancelled on accident and you have to contact the client and ask to renew the subscription.

But you have that kind of problems with any payment method even credit card through a merchant if the credit card is too close to the limit etc.

I always try to think of things from the users point of view , they don't know me , I could be anyone , I offer pay pal as a way to allow for payment , and to ease my clients minds. Even now if I don't know a business well or if I'm not familiar with their credit card processor , I will select pay pal.

Yea Laci I think the same way. Paypal allows you to send money to just about anyone, and you dont need to have a huge CC processor. Paypal might not be the most secure program around here but it is most likely one of the easiest to use.

- Eddy

I say go with PayPal 100%, it's been very reliable to me, then again I haven't been too active with it since I've had it. There's also something exactly like PayPal, called StormPay. I would recommend supplying this along with PayPal and any other methods of processing payments.

I wouldnt use PayPal full time because not it is not open to all the countries in the world. Due to the current ecommerce metrics the Middle East countries and Asian countries will get hotter, though fraud risk high, still!


Yaser

If I were you, I'd offer PayPal as well as accepting credit cards from a third party processor (or even your own merchant account).

PayPal is very good, yes. However, not all of your clients will want to use it - and at times, not all of them can depending on where your clients are situated.

Well my setup is like enoms', You have to "recharge" your account before you can spend it.

I offer credit card services, but... just about EVERY customer of mine at one point in time as come to me and asked if I can accept paypal.

My main thing about this is I know people use paypal to help hide bad funds..... longer to track it, less chance of getting your money.

In the event a user pays with an "echeck"... I can guess that will screw my payment system up, it sends me the funds... but what if the echeck bounces?


Thanks for all your replies :)

Pros:
* More payment methods
* People like it
* It's fast
* Big places, like some DC use paypal

Cons:
*People use it to help hide bad funds
*Paypal has a few bad reports online


I haven't looked at their echeck thing, but if a user pays with an echeck, does paypal contact me later once it clears to tell me funds have been added?

Or does it just tell me upfront the user paid $500 or what ever and it was an eCheck?

I encourage all of my clients to send in payments, or to use there credit card. Paypal is not the most trust worthy thing out there, if you hav'nt read there TOS they can take your money and any money from your bank and there's nothing you can do about it.

I have seen stories like that, that's what makes me think about not using them.

I deal with small business mostly so they either send check, or use a CC. I've only used paypal once for a client.

To me a company that uses paypal doesn't seem as professional...

But maybe I am looking at it wrong? I mean, the more payment methods you can accept the better. (right?)

Then again, I see people saying paypal stole this and that..... not sure what to make of it. I have legit users who paypal just because its easy to use.


Has anyone here ever had a problem with paypal payments being bad vs. credit payments? I guess it would be just as easy to use a stolen credit card. I call all users who make "big" purchases anyway.

Thanks for your input :) Still not sure what I am going to do. :rolleyes:

More people prefer PayPal to a credit card payment on my sites. In over 1,800 PayPal payments, I've had three chargebacks by PayPal due to fraud (likely stolen accounts). Millions and millions of people have PayPal accounts, and almost anyone on the internet knows the name. People want to pay by PayPal, and people trust PayPal with their credit card info whereas you may not have earned that trust. Let them pay the way they want.

Since I have only used it once, I can't comment hehe. I don't advertise that I can use it.

Full time.

Well for now I am NOT going to accept paypal, but I plan to in the future (I guess).

Main problem is some of my stuff is in Family names, some in Business names, some in My name..... and paypal likes everything under 1 name.

Not much choice.... :rolleyes:

In the future I guess :)

Sorry if this is already posted but have you guys seen paypalsucks.com or paypalwarning.com?

I have.... those are some other reasons I am not sure if I want to use them.

Than and the 50,000,000 posts on forums aobut paypal screwing things up.

Nah, not 50 million. There's only 45 million PayPal members and they're not all unsatisfied.

They usually only go after people that leave large amounts of money in there account or get unlucky and get a bunch of scammers using stolen credit cards to buy there product/service.

I used to accept Paypal in addition to regular credit cards. I have just recently stopped accepting Paypal for these reasons:

- ModernBill's paypal module didnt work right for me - did not always mark invoices as paid even if payment was associated with invoice

- Paypal's transaction history did not go as far back as I wanted for reviewing year-end transaction totals

- I didnt want to tie my main business checking account to Paypal for fear of Paypal taking out funds accidently or for a fraud report.

- I don't think Paypal is a necessary payment method for my clients.. The few clients that were using it have agreed to now be billed by credit card. I am also giving clients the option to pay by check/money order.

Not sure what you mean by the history not going back. Have you clicked the history tab, not just looked on the main page? It lets me enter 2003 dates, and I export directly to QuickBooks files.

Dear Awio Web Services LLC,
The log you requested is ready to be downloaded.
Date range: Jan. 1, 2003 to Jun. 1, 2003
File type: Comma delimited (All Activity)
Here is your log retrieval link:

When your transaction volume reaches a certain point they start mailing you logs since it takes too long to generate them. That first half of 2003 year took about 5 minutes.

Not sure what you mean by the history not going back. Have you clicked the history tab, not just looked on the main page? It lets me enter 2003 dates, and I export directly to QuickBooks files.

It looks like I was wrong about the history not going back. I just did a search for early 2003 and the entries are showing up. I thought a few months ago when I tried to search, that it couldn't bring up data that old.

I have very mixed feelings about PayPal. I like them in that they're very flexible for the buyer, and you can use just about every payment option thinkable, but for the seller, I dread it in that it is not even close to as flexible as your own merchant account, the rates are much higher (for accepting credit cards), you cannot incorporate the order form in your page (feasibly; I know they offer an API toolkit, but I don't know to what extent this works or how easy it is to program), everything is done off-site, which I don't like. It is overall just not close to as flexible as your own merchant account would be.

PayPal's rates are lower than my CDG Commerce merchant account.

Yes... but paypal is not a merchant account..... atleast, thats not how I look at it.

It should not be your only processor, but it should be an option. PayPal signs up 50,000 new accounts a day. Why turn them away when anyone can offer it as secondary payment?

To be honest, Paypal has always been good to me and I've used it for two years and some change.

Customers do not always like to sign up for extra accounts just to be able to send money, so 2checkout or another cc processor should be available.

I would only take this from existing clients, no way for new clients. Too many fraud cases. The chargebacks will be horrible.

We have always accepted paypal. It's been how most of our clients pay. We also have our own merchant account to process CC payments for clients with no PayPal account.

Paypal is very much an option for me, I use it 100% as well as 3rd party processing.

Would I force clients to use paypal only? No, as there are those that prefer to pay via cc, though with cc payments, I do alot more investigation, due to fraud and abuse potential.

Would I force clients to use 3rd party processing only? No, as there are those that prefer to pay via paypal.


Sorry if this is already posted but have you guys seen paypalsucks.com or paypalwarning.com?

Who hasn't, and quite frankly only 1% of what's there is to be believed. It's quite easy to make up such stories, and lies without any sort of proof. I've been using paypal for over 5 years, and never have I had any issues at all with them that weren't resolved by a (not so) quick phone call.


I thought a few months ago when I tried to search, that it couldn't bring up data that old.

I've been able to pull back for minimum 1 year (longest I've ever tried really) since at least 2002, so you are most likely mistaken there.

I use Paypal as well as Credit card merchant and check/money order in the mail. 50% of my funds come through paypal. I also use a site that blacklists paypal addresses. www dot epaycheck dot net