Protection when we use paypal gift ?
When we use Paypal Gift as a payment method, any protection for the buyer ?
Any reclamation possibilities ? |
Short answer? No. Only use it for well established sellers and if a high dollar purchase, I recommend it be a requirement for the card(s) to be insured.
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No you have no protection as a buyer when using paypal gift. I am on 1 forum that will delete your account if you even ask to be paid with paypal gift because it is how scammers ask for payment to protect themselves.
It is ok with someone you know or a low end card. The fact almost everyone on this site asks for it and wants to sent $100 cards in a PWE really worried me at first till I had been on the site for a while and learned most on here could be trusted. |
Just a question, why would they offer you any protection for something you are not paying for?
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Thanks everyone for the reply.
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I am one that does not insure high dollar cards I sell. I self insure. I may have to pay out for a card that gets damaged or lost from time to time but in the long run I will come out way ahead money wise. I understand this is not for everyone. If I loose a $2000 card it's not going to kill me. |
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Do you use Delivery Confirmation then? If you don't insure and self insure, that's great but without DC or some form of it, you could be scammed without a card actually getting lost. Over a period of time, insurance does get to be very costly. I can see benefits for both ways..........
I'd also be concerned about anyone using a PWE on a $100 card. What does a padded envelope cost? |
Paypal gift (Friends and Family) is a different product and I always know there are no protections. That is also why I don't mind taking it or giving it with most on this board, especially folks I know. This board is a bit different than most BUT WE ARE getting to be quite large. So, if you feel uncomfortable I strongly recommend using regular paypal and paying the fees. I do pay paypal fees many times because I want the protection.
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"I am a victim of fraud as a result of my own fraud." - People who have been screwed using Paypal Gift
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Agreed, I have insurance through Collect Insure. It protects the collection, and added within the policy is insurance for an item on the way to its buyer, and the deductible is 150-200$.
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Not saying using Paypal Gift for purchases is a felony or anything, however, the point of my initial post might be better stated below: --> When Paypal clearly offers an option for purchasing goods and services that includes protection for the involved parties, and that option is avoided (often dishonestly) for financial reasons, the parties who avoided the purchasing option are not entitled to the protection that they consciously avoided. |
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“Personal Payment” means amounts sent between two individuals (not to or from a business) without a purchase. Examples of Personal Payments include sending a gift to a friend, or paying a friend back for your share of a lunch bill." And: "4.1 Receiving Personal Payments. If you are selling goods or services, you may not ask the buyer to send you a Personal Payment for the purchase. If you do so, PayPal may remove your ability to accept Personal Payments." It's thus a breach of your terms of agreement with paypal. |
The notice I got last Friday saying my health insurance is going up 17% on Jan. 1 is from fraud also.
Sorry just had to vent a little. |
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yep thanks for the info. I think i will not use the gift in the futur as a seller and also as a buyer. Thanks |
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"An Inconvenient Truth," vol. 2. |
When ebay told me I couldn't accept a cash or check for payment, I made some justifications with their sister company, paypal. As it says in their terms, they may tell me I can't do that anymore. I am ok with that. To each their own.
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I agree to each their own.
I understand your POV (as we have discussed it before), but when you ask someone else to pay that way you are asking them to break the terms too, not just yourself. |
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4.1a If either seller or buyer is of the opinion that: A. PayPal already makes too much money; and/or B. eBay sucks; then either party is entitled to breach the PayPal terms of use and use the Personal Payment for a purchase or other business transaction. |
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