Complaint Review: Paypal - San Jose California

"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?

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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.

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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. 

..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.

Thanks PayPal for your stringent protection policies that protect my account. Keep up the good work.

Just see attached

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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.

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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.

This is copied and pasted directly from the PayPal website..I also left a live link...
Can I use a credit card with PayPal? 

Question

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Can I use a credit card with PayPal?

Answer

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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.