Can paypal be disputed?
I am thinking of paying a Kenyan tour operator by paypal. The reason I am thinking about this is just in case he does not perform I would like dispute and am wondering if I would have the same disputing power as a regular credit card.
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PayPal is nowhere near as good for disputes as a credit card. They have very specific rules and requirements and side with the merchant far more often than credit cards do.
If you fund the payment with a credit card, however, you should have more protection. I say "should" because it's been my experience but I'm not sure it's universal. I had a bad transaction several years ago. I tried to get the seller to refund. No luck. I disputed it through PayPal. They said it had been too long and refused to do anything. I had funded the transaction through American Express, so I disputed it there. PayPal then accepted the dispute and it went through. I think you still have the best protection directly through a credit card, but funding a PayPal transaction with a credit card is better than from your balance or through another source. (Side note: You can't fund with a credit card if you have a balance, but there's a pretty simple workaround for that. Transfer your balance to another email address, pay the transaction, then cancel the transfer.) |
Wirelessly posted (BlackBerry8310/4.2.2 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/102)
I'd be extremely hesitant to do this, especially given the amount that this may be. That being said, my girlfriend successfully disputed a Paypal charge on her AMEX relating to a purchase of a fake Gucci purse on Ebay. Paypal wasn't too helpful, but AMEX was. |
Originally Posted by UA Fan
(Post 9878768)
I am thinking of paying a Kenyan tour operator by paypal. The reason I am thinking about this is just in case he does not perform I would like dispute and am wondering if I would have the same disputing power as a regular credit card.
http://paypalsucks.com/ Please use caution when paying for anything with PayPal. |
Originally Posted by troyb
(Post 9879575)
Wirelessly posted (BlackBerry8310/4.2.2 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/102)
I'd be extremely hesitant to do this, especially given the amount that this may be. That being said, my girlfriend successfully disputed a Paypal charge on her AMEX relating to a purchase of a fake Gucci purse on Ebay. Paypal wasn't too helpful, but AMEX was. |
Originally Posted by TAHKUCT
(Post 9883831)
I would just use amex to pay your merchant via paypal. Then if something happens, file a dispute with amex.
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Originally Posted by UA Fan
(Post 9883841)
Is this possible? I thought that paypal TOS prevented this?
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Originally Posted by Ritz
(Post 9882999)
DON'T, DON'T, DON'T use PayPal. This cannot be stressed enough! For info on just how bad PayPal is - and how much IT DOES NOT stand by its customers - do some searches on FT. Or just see this site:
http://paypalsucks.com/ Please use caution when paying for anything with PayPal. |
Originally Posted by friedablass
(Post 9884194)
I definitely agree - I've read quite a few horror stories on this website. However, if your transaction is funded by a CC, specifically Amex, it is a bit safer since filing a dispute with your CC will usually put Paypal on your side real fast.
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Originally Posted by UA Fan
(Post 9884232)
But I thot you waive the right to dispute?
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PayPal = Noun; Name of a company factoring transactions. Adj.; Ripoff. ADV: BEWARE :D
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Originally Posted by TAHKUCT
(Post 9883831)
I would just use amex to pay your merchant via paypal. Then if something happens, file a dispute with amex.
Paypal doesn't like it because they are charged for disputes, plus they will generally lose if the complaint is legit. |
Originally Posted by videomaker
(Post 9892688)
Worked for me with a Citi Mastercard funding a Paypal transaction, resolved by Citi in my favor with no hassles. IMO, you're much better letting the credit card company handle a dispute than having to deal with Paypal's convoluted rules.
Paypal doesn't like it because they are charged for disputes, plus they will generally lose if the complaint is legit. |
Originally Posted by jonnyb2
(Post 9896119)
The transaction is not straight from your credit card to the merchant, instead you transfer the money into your paypal account first, for this reason if you have any problems you'd have to claim through paypal, which is a lengthy process, credit card companies on the other hand are swift in dealing with claims.
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Originally Posted by UA Fan
(Post 9896354)
what was the amount of the transaction? Citi might just have given you a credit to keep you happy.
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