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Joined: Sep 2010
Posts: 31,411
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2010
Posts: 31,411 |
Ya think they'd even have a F&F option if it was cheating them? Like they haven't figured it out yet? Silly. They allow it because it has no cost to them.
"I can't be canceled, because, I don't give a fuuck!"
--- Kid Rock 2022
Holocaust Deniers, the ultimate perverted dipchits: Bristoe, TheRealHawkeye, stophel, Ghostinthemachine, anyone else?
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Joined: Jan 2006
Posts: 69,290
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2006
Posts: 69,290 |
If a casino can't make money with a game, they won't have the game. In the long run, the house always wins. Likewise, any lending institution won't offer any deal where they can't make money. If they can't, the deal won't be offered. The bank always wins. It's called business.
“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell
It's not over when you lose. It's over when you quit.
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Joined: May 2003
Posts: 31,232
Campfire 'Bwana
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Campfire 'Bwana
Joined: May 2003
Posts: 31,232 |
No cost? They pay all their people, have all those servers, use all that power, and run a bazillion-dollar business for free? I think you might want to rethink that comment.
If they offer an F&F no-fee option, they're LOSING money with it. If you LIE to take advantage of it, it's stealing.
Cleverly disguised as a responsible adult.
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Joined: Sep 2010
Posts: 31,411
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2010
Posts: 31,411 |
No cost? They pay all their people, have all those servers, use all that power, and run a bazillion-dollar business for free? I think you might want to rethink that comment.
If they offer an F&F no-fee option, they're LOSING money with it. If you LIE to take advantage of it, it's stealing. No. They are making lot's of money. They collect fees on external transactions and on transactions with buyer protection. Why does anyone think they would allow it if they were being abused? They know what they are doing. You don't need to have sympathy for the poor big bank getting scammed.
"I can't be canceled, because, I don't give a fuuck!"
--- Kid Rock 2022
Holocaust Deniers, the ultimate perverted dipchits: Bristoe, TheRealHawkeye, stophel, Ghostinthemachine, anyone else?
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Joined: Nov 2005
Posts: 2,285
Campfire Regular
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Campfire Regular
Joined: Nov 2005
Posts: 2,285 |
I keep a separate account just for Paypal. Don’t link your primary account under any circumstances. If there is a problem, Pp can actually freeze your account indefinitely. I’ve heard the horror stories so I don’t risk it.
I do not use F&F unless I absolutely know the person on the other end. If the guy has heartburn with that, I pass on the item because I’m willing to pay the fees so it’s not coming out of his pocket. He’s not out anything so what is the difference? To me, the minimal added fee is just cheap insurance.
If the deal goes south and you pay with F&F you are SOL with no recourse whatsoever. You basically just gifted him the money in the hopes that he would send you the goods. If he decides to tell you to GFY, there is absolutely nothing you can do about it because you have effectively given him the money. That’s what F&F is for, it’s for gifting friends and family money. If you’re the trusting type and willing to risk that with strangers on the internet, you’re a very trusting soul indeed.
OTOH, If you pay with Goods and Services you can file a formal dispute and 90% of the time you’ll get your money back if something goes wrong.
Pretty much how I use PayPal. Large dollar items go through "goods and services". F&F pretty much reserved for friends, family, good reputations, Yet if it's large dollar amount I may use "goods & services". I have a separate dedicated savings account reserved for PayPal. With this dedicated account I can transfer money from my PayPal to this account, then withdraw from the dedicated account and deposit it in regular savings. The dedicated PayPal account has about $25 in it, anything more gets withdrawn. Call me paranoid, but no one has/gets the authority to withdraw money from my/our accounts. As a side note to paying with F&F... I just bought a 20 dollar item from 24hr classified and paid with F&F. The seller gets the full 20, but I was charged $0.88. So a fee is charged, just a matter of who pays. 
Last edited by 308ld; 12/08/19.
Ed
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Joined: Jun 2012
Posts: 10,068
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2012
Posts: 10,068 |
She just adds the fees to the item price so the customer IS paying for it. Exactly! Wish people that sell here would figure out how to do the same thing instead of looking to me like fools with their " no fees to me " crap. The others are the people that say "PayPal fees included" or plus PP fees. I actually avoid people that do that no matter what they are selling or how much I may want the item. Really? When I sell something here I offer Paypal F&F, buyer covers the fee, or USPS money order. Why would you avoid that? I figure the buyer can make the choice and I haven't had any issues doing it this way, regardless of the method chosen by the buyer.
Mercy ceases to be a virtue when it enables further injustice. -Brent Weeks
~Molɔ̀ːn Labé Skýla~
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Joined: Jan 2006
Posts: 69,290
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2006
Posts: 69,290 |
Pretty much how I use PayPal. Large dollar items go through "goods and services". F&F pretty much reserved for friends, family, good reputations, Yet if it's large dollar amount I may use "goods & services". I have a separate dedicated savings account reserved for PayPal. With this dedicated account I can transfer money from my PayPal to this account, then withdraw from the dedicated account and deposit it in regular savings. The dedicated PayPal account has about $25 in it, anything more gets withdrawn.
Call me paranoid, but no one has/gets the authority to withdraw money from my/our accounts. I have a 2d checking account for personal use, too. My retirement & SS come in by direct deposit to an account with no debit cards, etc attached. All the money stays there until needed. I don't even have any check blanks for it. I have a 2d account that I use to pay bills and there's a debit card that we use. I transfer money to that acct as needed so there's always a minimal amount in it to steal.
“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell
It's not over when you lose. It's over when you quit.
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Joined: May 2010
Posts: 6,612
Campfire Tracker
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Campfire Tracker
Joined: May 2010
Posts: 6,612 |
Friends and family option= 0 fees..... I won't do business with anyone willing to cheat PayPal. Lol. How is it cheating? Ignorance is bliss. Its not cheating. It's offered fee free because it's internal and costs PayPal nothing and they have to do nothing... PayPal charges to help you pay for goods. They are in business and incur expenses to provide this service. If you can rationalize cheating them out of their small transaction fee, you should reexamine your personal ethics. Fuh q Send $5 to Travis/Dave/flave for my time. Friends and family por favor. In the mean time, shut yer cum dumpster and be a good dog.
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Joined: Sep 2010
Posts: 31,411
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2010
Posts: 31,411 |
She just adds the fees to the item price so the customer IS paying for it. Exactly! Wish people that sell here would figure out how to do the same thing instead of looking to me like fools with their " no fees to me " crap. The others are the people that say "PayPal fees included" or plus PP fees. I actually avoid people that do that no matter what they are selling or how much I may want the item. Really? When I sell something here I offer Paypal F&F, buyer covers the fee, or USPS money order. Why would you avoid that? I figure the buyer can make the choice and I haven't had any issues doing it this way, regardless of the method chosen by the buyer. PayPal is so confusing. No need to add 3.5% if not needed.. Some guys are likely speaking from vast experience of a dozen or so uses. Selling a product to complete stranger is a whole nothing deal.
"I can't be canceled, because, I don't give a fuuck!"
--- Kid Rock 2022
Holocaust Deniers, the ultimate perverted dipchits: Bristoe, TheRealHawkeye, stophel, Ghostinthemachine, anyone else?
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Joined: Jun 2002
Posts: 131,529
Campfire Sage
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Campfire Sage
Joined: Jun 2002
Posts: 131,529 |
I'm selling a couple hundred bucks of merchandise online, Guy wants to pay me with paypal, He says it only takes minutes to set up,
No big deal?
fees? Yeah, if he pays via PayPal, you will have to pay a fee.
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Joined: Jun 2002
Posts: 131,529
Campfire Sage
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Campfire Sage
Joined: Jun 2002
Posts: 131,529 |
I receive payments for sold items via PayPal, then electronically deposit them into my checking account. When I pay for items via PayPal, I have PayPal take the payment from my credit card.
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Joined: Aug 2002
Posts: 37,869
Campfire 'Bwana
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Campfire 'Bwana
Joined: Aug 2002
Posts: 37,869 |
I got a PayPal account because an entity paying me for a bird count paid me that way. Over the years I’ve received thousands of dollars, no problems beside PP’s minor cut of the action.
In the re-enacting hobby purchasing from private individuals or small businesses for one- or few-of-a-kind items via PayPal is usual, even bought my excellent ‘Bess that way for $1,000+
When I debt-consolidated a while back, my PayPal account did not appear anywhere in my credit history which I thought was odd.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Jul 2011
Posts: 11,030
Campfire Outfitter
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Campfire Outfitter
Joined: Jul 2011
Posts: 11,030 |
...shut yer cum dumpster... You must be a real internet badass.
"There's more to optics than meets the eye."--anon
"...most of us would be better off losing half a pound around the waist than half a pound on our rifle."--dhg
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Joined: Nov 2010
Posts: 18,993
Campfire Ranger
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Campfire Ranger
Joined: Nov 2010
Posts: 18,993 |
...shut yer cum dumpster... You must be a real internet badass. Bless it... Add him to the official Campfire Internet Badass ( CIBA) list, along with Mr. Blackheart.....
Dave
�The man who complains about the way the ball bounces is likely to be the one who dropped it.� Lou Holtz
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Joined: Sep 2010
Posts: 31,411
Campfire 'Bwana
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Campfire 'Bwana
Joined: Sep 2010
Posts: 31,411 |
"I can't be canceled, because, I don't give a fuuck!"
--- Kid Rock 2022
Holocaust Deniers, the ultimate perverted dipchits: Bristoe, TheRealHawkeye, stophel, Ghostinthemachine, anyone else?
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Joined: Jun 2012
Posts: 10,068
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2012
Posts: 10,068 |
Time for Bill Murray, Boomer? ![[Linked Image from i.imgur.com]](https://i.imgur.com/kOc9tYe.jpg)
Mercy ceases to be a virtue when it enables further injustice. -Brent Weeks
~Molɔ̀ːn Labé Skýla~
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Joined: Nov 2014
Posts: 3,557
Campfire Tracker
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Campfire Tracker
Joined: Nov 2014
Posts: 3,557 |
Paypal Fee calculatorFor those of you who may fear the Paypal fee or maybe are a little numerically challenged. Just type in whatever the requested amount of the item is and it will tell you either how much to request or send in order to come up with that sum. The Paypal cut is relatively small. Type in an amount to try it and you’ll see. I like it, the money comes or goes instantly, so you get your item that much quicker rather than have to wait for the pony express. Also there is the Goods and Services protection which you definitely do not have sending in a payment. Some people outright hate Paypal, but I suspect a lot of them haven’t even ever used it and are just going by what they’ve heard or read. I haven’t had any problems. They’ve made my buying/selling experience a lot easier. YMMV...
Last edited by Dryfly24; 12/08/19.
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Joined: Dec 2010
Posts: 3,734
Campfire Tracker
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Campfire Tracker
Joined: Dec 2010
Posts: 3,734 |
I have used paypal a lot, no problems to date.
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