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Paypal Paypal, Inc. Paypal lies to customers and transfers risk to customers through fraudulent pretense San Jose, California
Paypal routinely blocks the ability to pay by credit card on some
transactions under the false pretense that they are protecting their
customers from risk. For many transactions the ability to pay by credit
card is blocked, if you read further they say they are trying to
protect you from certain risky transactions. Instead they encourage you
to pay via an ACH withdrawal from your checking account and imply that
this is somehow safer for the customer/purchaser. That is an outrageous
lie. In reality they are transfering all the risk from paypal as the
credit card merchant to the customer/purchaser. In reality when you pay
via an ACH transaction there is no recourse to get the money back if
you don't receive the merchandise or service. Paypal may have some
elaborate show of a disbute process but in reality they will not refund
the money and they have no incentive to do anything about the issue. If
a transaction is paid by credit card the customer/purchaser can always
dispute the transaction with the credit card company and win if
something was done incorrectly with the transaction. In this case
paypal will lose the money instead of the customer/purchaser because
they have the merchant account and they will get the chargeback. If the
paypal merchant has withdrawn the cash paypal will lose. It is a
complete lie and a fraud to tell the customer they are being protected
by using an e-check instead of a credit card - a credit card is alway
safer for the customer/purchaser.
9 Updates & Rebuttals
Bob
New York,New York,
USA
Wow, you people are all so stupid...
#10Author of original report
Tue, June 28, 2011
"Of course they might block credit card transactions that they find risky. That's normal for businesses! They want to protect themselves from fraud and the risk of chargebacks, which cost them money, win or lose."
You people defending these scmbags are so dumb i think you deserve to be ripped off. Of course the statement above is correct. But what is fraudulent is to lie to the consumer and tell them they are blocking the transaction to protect the consumer when in fact they are blocking the transaction to protect paypal. The allow the consumer to pay via a bank which is much less safe for the consumer but lead them to believe it is in fact safer when its not. Paypal execs should be jailed.
Why can you idiots not see this?
Bob
New York,New York,
USA
Screenshots: YES
#10Author of original report
Tue, June 28, 2011
See attached. Notice how these worthless scumbags attempt to claim they are protecting you yet they will let you pay with a bank account which is much less safe for the consumer. With a credit card you can always dispute the charge. With a bank account once the money is gone its gone.
Mary
USAPayPal isn't dumb!
#10Consumer Comment
Fri, June 24, 2011
Of course they might block credit card transactions that they find risky. That's normal for businesses! They want to protect themselves from fraud and the risk of chargebacks, which cost them money, win or lose. I've worked for a credit card processor in the fraud dept. and I've worked for an online retailer. They BOTH block charges. Sometimes the credit card company would block a charge and call the customer or make them call to confirm the payment. Sometimes the online store would hold up an order and call the credit card's merchant line to confirm the order information matched the credit card. It just makes good sense to do that. I guess PayPal would rather block the use of the card then pay employees to call customers to confirm they are the card holder.
Ronny g
North hollywood,California,
USA
I do not work for PayPal..
#10Consumer Comment
Thu, December 02, 2010
..nor do I really care to defend them as I am not on the payroll. But as a buyer and seller who uses PayPal I am certainly concerned about a report of a rip off or fraud.
Maybe it was not explained to me clear enough..but if PayPal makes money from online transactions being conducted, how again is it in their best interests to block any usage?
And why would THEY promote that you can use a credit card though them to protect identity..and as well...have possible added protection via the "broader" protection "rights" offered by the credit card ?..
This is COPIED and PASTED DIRECTLY from PayPals website...regarding the BENEFITS of using a CREDIT CARD...HOW can you dispute this??
https://www.paypal.com/us/cgi-bin/webscr?cmd=xpt/cps/popup/FundingMixEducation-outside
Credit Card Protection
Credit card chargeback rights are broader than PayPals protection programs. Credit card chargebacks may be filed more than 45 days after the payment and may cover unsatisfactory items even if they do not qualify as significantly not as described.
coast
USAPayPal good. Scammers bad.
#10Consumer Comment
Wed, December 01, 2010
Thanks PayPal for your stringent protection policies that protect my account. Keep up the good work.
Bob
New York,New York,
USA
Photo Proof - Paypal Transfers all Risk to Customers and Lies and says they're being protected from fraud
#10Author of original report
Wed, December 01, 2010
Just see attached
Bob
New York,New York,
USA
Previous rebuttals obviously from paypal employees attempting to spread disinformation...
#10Author of original report
Wed, December 01, 2010
Really? I find it hard to believe anyone would defend this *AWFUL* company unless they work for them. Verbatim from paypal's website:
"Funding Options
PayPal is constantly working to protect our members against fraud. We review every transaction before it is approved, and we may block a payment when we detect a potential risk.
Our reviews take into account every aspect of a transaction, including looking at both parties. These decisions help us maintain the integrity of our payments network in the same way as other payment processors: by declining transactions with an unacceptable level of risk.
While our fraud measures occasionally block a legitimate payment, to maintain overall security, we cannot overturn any decisions about an individual transaction.
If you decide to continue this transaction using a different funding source, please note that the associated risk levels have not been decreased."
This is the "explanation" you get when they present you with a payment that they will only allow you to make from your bank account. This in NO way protects you, in fact it protects them and transfers all the risk to YOU because you are transferring the money out of your bank account rather than charging to a credit card which can be disputed.
Are you people naive, stupid or just paypal employees?
Here's the screen shots:
http://i1195.photobucket.com/albums/aa386/bobbob6/1.jpg
http://i1195.photobucket.com/albums/aa386/bobbob6/2.jpg
I'm absolutely appalled you people are defending paypal - they are one of the most dishonest companies out there. I thought this site was supposed to be about consumers protecting consumers.
"Paypal is fine processor?" Really? They have 100+ 1 out of 5 star ratings on the better business bureau's trustlink site: http://www.trustlink.org/ The feedback is UNIVERSALLY negative.
sciantel
Sacramento,California,
United States of America
Paypal is a fine payment processor
#10Consumer Comment
Wed, December 01, 2010
I myself have never had any trouble with paypal. They are #1 and yes, I have my credit card used with them for as long as I have been with them and it is over 3 years. They are a top notch payment processor.
Ronny g
North hollywood,California,
USA
Never heard of this...
#10Consumer Comment
Tue, November 23, 2010
This is copied and pasted directly from the PayPal website..I also left a live link...
Can I use a credit card with PayPal?
You claim they are "routinely" blocking your ability on "some" transactions?Can I use a credit card with PayPal?
Yes. You can use Visa, MasterCard, Discover, and American Express with PayPal.
Plus, when you pay with PayPal, you don't expose your credit card number to merchants.
If this is the case do you have any proof? How and why would they go against their own policy and reccomendations? This requires further investigation. Have any screen shots or documentation of PayPal blocking a credit card?