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As with most things in life, the Mac included, PayPal
isn't perfect. After last week's article, I received some helpful
feedback from PayPal users.
Let me preface the negative comments by noting that feedback was
overwhelmingly positive, but for U.S. and international users. Buyers
and sellers alike really appreciate the speed with which payments are
processed, allowing them to ship sold items more quickly.
International Fees
PayPal works exclusively in U.S. dollars, which has got to really
simplify bookkeeping. In the U.S., they can process both credit card
payments and transfer money directly from your checking account.
One of the biggest complaints among international users is that
PayPal requires most of them to pay for their purchases with credit
cards. (Users in Canada, France, Germany, and the United Kingdom can
pay from a checking account.) In addition, "A small fee applies to
payments charged to non-U.S. credit or debit cards." This fee is
30¢ plus 2.6% of the amount processed.
Some users get around all of this by setting up U.S. bank accounts
or using credit cards issued in the U.S.
It's Not Always Free
The biggest complaint from Americans is that PayPal is no longer
free, which isn't precisely true. PayPal has promised that free
service will always be available. During the years PayPal has been
available, they have put limits on their free services, but they have
not eliminated them.
Credit Card Buying Limit?
I've heard from some PayPal users that they can only purchase up
to $250 per month using a credit card if they're signed up for
PayPal's free service. I've checked PayPal's
terms of use, and don't see it.
There is a $250 spending limit for unverified users; you must
verify your email address and checking account to become a verified
user. "There are no limits on how much Verified users can spend."
Loss of Credit Card Benefits
A few PayPal users noted that they might lose some benefits they
would otherwise have with credit card purchases, such as doubling the
warranty. At the same time, we have to remember that many people
using PayPal to accept credit cards would not accept credit cards at
all without PayPal.
Danger of Fraud
Fraud is a double-sided danger: You may be defrauded by the person
selling you an item, particularly when dealing with individuals on
auction sites. You may not get what you expected. And if you're
selling, the buyer may fail to pay you.
Worse yet, one reader tells of a friend who closed a $425 sale on
eBay. The buyer paid with Billpoint, eBay's
competitor to PayPal. Upon confirmation of payment, the seller
shipped the goods. About 20 hours later, Billpoint reversed the
payment due to fraud (apparently a stolen or borrowed credit card),
which is allowed by the user agreement.
This is far from the norm, but it is always a possibility. Should
anything like this ever happen to you, contact the carrier (UPS, Post
Office, FedEx, etc.) to see if you can stop the shipment. If not,
contact the police in the locale where the item is being shipped,
letting them know the name and address the item is being shipped to,
as well as the carrier.
Shipping Address
One user writes, "The only problem I have with PayPal is their
(relatively new) insistence that you must have items paid for via
PayPal sent to a credit card billing address. If you can't pick up
packages reliably at that address (you're gone during the day, for
instance) you're stuck. This can lead to ugly misunderstandings with
sellers who think that the fact that PayPal lets them 'reject your
payment' means that it's OK for them to do this and not ship - even
though PayPal explicitly states that you have paid them."
Conclusion
Like most users, I remain satisfied with PayPal. I haven't run
into any problem yet - and the comments above should better prepare
you for some of the situations you may run into with their service.
Dan Knight has been using Macs since 1986,
sold Macs for several years, supported them for many more years, and
has been publishing Low End Mac since April 1997. If you find Dan's articles helpful, please consider making a donation to his tip jar.
Recent Mac Musings
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