Paypal rant...

taffster74 · Jul 16, 2012

gotta love paypal's transaction process commitment. I made a transfer of funds from my bank account to my paypal last wednesday, July 11 and was told it will by processed July 13. Now July 16 and guess what? "Transaction pending". It's this kind of BS that had me reluctant to go paypal in the first place. f'n wankers paypal are.

ADELAIDE CHILLI SOURCE · Jul 17, 2012

I just use my visa card to add funds to paypal as i buy stuff, so dont have that issue.
Maybe if you dont already get a visa debit card, then when you buy it takes it direct from the card instantly. the person youare buying from gets there money right away!

when i am transferring from Paypal TO my bank i dont have an issue either, normally if they tell me it will be done by the 15th as example I will see it in my bank by the 13th or 14th LATEST.

WoobieZarz · Jul 17, 2012

Hey why do you transfer $ from your bank to paypal? Why not just pay from your bank through paypal?

Sanctum · Jul 17, 2012

WoobieZarz said:
Hey why do you transfer $ from your bank to paypal? Why not just pay from your bank through paypal?

Well if you're sending payments with a debit card for OCT purchases etc you'd get charged a fee yeah?

taffster74 · Jul 17, 2012

Well, I sent them a polite - but firm - e-mail last night (well, very early this morning lol) telling them I wasn't happy with the situation. Check my e-mail this morning proper - the transfer is complete. amazing what a polite, but firm, e-mail can do, isn't it? Woobie, I transfer from my bank to paypal to make sure i don't spend that money.

Mind you, considering it was nearly 1 this morning when I sent that e-mail and that my back has been giving me hell the last few days, a polite e-mail was an effort.

ADELAIDE CHILLI SOURCE · Jul 17, 2012

Sanctum said:
Well if you're sending payments with a debit card for OCT purchases etc you'd get charged a fee yeah?

I have found if i have exatly $0.00 balance in paypal and fund entirely from my bank i get NO fee. I only seem to get it if i partly fund from my bank. For that reason I try to keep nothing in my paypal at all

WoobieZarz · Jul 17, 2012

No, well, from my experiences, my answer is no.

I barely have pp funds, and majority of my purchases are funded from my bank account. Note this is different than using a debit/credit card, it's like a bank transfer, but using paypal.

Even when I have partial funds and I have to top it up with money from my bank, I'm not charged a fee.

I believe the fees are related to;

- Normal PayPal receiving funds' fee - standard, unless you use Gift Payments*
- Send via Gift* where payment is funded via a Credit/Debit card
- Send funds internationally

Sanctum · Jul 19, 2012

WoobieZarz said:
I barely have pp funds, and majority of my purchases are funded from my bank account. Note this is different than using a debit/credit card, it's like a bank transfer, but using paypal.

I have a question. If I buy something on ebay but don't have enough in my paypal and go through checkout process like normal. Doe's paypal just pay the seller the total and then takes that amount from my linked bank account?

I've never paid from bank account before. There's a couple of things on ebay I want but waiting for incoming paypal might not happen quickly enough.

ADELAIDE CHILLI SOURCE · Jul 19, 2012

Sanctum said:
I have a question. If I buy something on ebay but don't have enough in my paypal and go through checkout process like normal. Doe's paypal just pay the seller the total and then takes that amount from my linked bank account?

I've never paid from bank account before. There's a couple of things on ebay I want but waiting for incoming paypal might not happen quickly enough.

That is pretty much it, you need to make sure you have the funds in your bank, or your bank will decline it and charge you a dishonor fee i believe...

ooneil · Jul 19, 2012

Just an aside guys. I would recommend that if you are going to link a bank account do it via a Visa or Mastercard debit card. That way if you get screwed by Paypal or a ebay buyer you can claim via Visa or Mastercard. Its just some extra protection you can get that you wont have with a bank account directly linked.

Lazlow · Sep 5, 2012

EDIT: nvm, answered my own question

Paypal rant...

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