Paypal - what to be aware of

Jump to Last Post 1-4 of 4 discussions (5 posts)
  1. ITTP profile image61
    ITTPposted 10 years ago


    I have used Paypal before with mixed feedback.
    My Dad uses them for Ebay and swears by them.

    Two things to be aware of are of course Phishing but also Charge Backs.

    For those of you who don't know, a Charge Back is when a client attempts to claim back money paid because of faulty goods or services unrendered.
    This of course is excellent if you are in a situation where you honestly have received shoddy goods because it protects your investment and you can claim this money back.
    Problem is that there are people out there who make money from Charge Backs or who abuse the system. The problem with Paypal is that they seemingly have a policy whereby they agree to most cases for Charge Back and this seems to be linked to their relationship they have with the banks.

    It means that whenever you accept any money from somebody through Paypal that the people who sent you this money can take steps and win the money back through Charge Back and that they will most likely be successful.
    So, if a client chooses to purchase goods from you which are fine but then he or she changes their mind then they CAN apply for chargeback.
    We had one example where a client signed up for an Online EFL course, had read and agreed to our terms and conditions that this payment was non-refundable, but who then had time issues and requested that a refund be made. When we notified this client that this wasn't possible they then proceeded to apply for Charge Back through Paypal and they were automatically granted this. Since this time we have stopped using Paypal and we now partner with Visa and Mastercard online services where we feel protected in such an environment.

    Paypal is a great way to receive small amounts but you should just be aware of the potential pitfalls.

    Have a lovely Friday!

  2. CarpetDiem profile image71
    CarpetDiemposted 10 years ago

    A word of caution... I would not assume that VISA and MASTERCARD would not do the same thing. They tend to "err" on the side of the customer, whether or not there were terms and conditions "agreed to", especially if you're a "small fry" company. I'd check with them and ask.

    1. ITTP profile image61
      ITTPposted 10 years agoin reply to this

      Hi CarpetDiem.

      Great username btw :-)

      Thank you for your reply.

      So far with Mastercard and Visa all is fine.
      We have an excellent financial track record though so maybe that helps.
      At least with Visa and Mastercard if there is a question of refund then the facts are examined and terms and conditions are honored. With Paypal I really felt as though the charge Back was simply automated.

      Paypal is good though for small transactions.
      I have used them in the past and for small transactions they are pretty difficult to beat.

      Hezky vikend!/Lovely weekend!

  3. profile image0
    Iphigeniaposted 10 years ago

    PayPal are bullies and will never admit to mistakes. I had a long standing battle with them over 400 euros that was paid out of my account to somebody on eBay. I won't bore with all details - suffice it to say I could prove that a mistake had been made on their part. They refunded the money (it took 3 weeks) and when I asked how it had happened and could they reassure me that it would not happen again - they froze my account and demanded all sorts of proof of id to be faxed to them.

    There are many other safe, secure and in my opinion much more professional online payment services available.

  4. Julie-Ann Amos profile image76
    Julie-Ann Amosposted 10 years ago

    I have a paypal business account and put 80% of my entire business through them.  Income and expenditure.  TURNOVER that's A LOT a year.

    Never had a chargeback problem.

    Never had a false claim

    The one time I had an issue with a client disputing a fee via chargeback (ironically a fellow hubber) paypal refused to entertain her claim as I just sent them the emails proving the work had been supplied.  Took less than 6 hours.

    They've treated me beautifully and I can both send and receive payments for a $1 fee (NO PAYPAL COMMISSION) via thei mass payments scheme.

    Just another perspective.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)