Paypal Regular v F&F

[Nueces]

I’m a frequent purchaser on Swappin & Sellin here and I prefer to use paypal. I don’t use friends and family though, just the regular transaction, from which paypal deducts fees on the seller’s end. In appreciation for sellers here allowing paypal payments, I always offer to pay those fees.

When the seller gets his money, paypal charges a fee of 2.9%, then tacks on another $0.30. I reverse this to make my calculation. Here’s how the calculation goes.

Say the seller wants $79.50 for his item. In order for him to receive just that amount, I add $0.30 to get $79.80. Then I divide that by 0.971 (same as 100% minus 2.9%) to get $82.18, the amount I pay on my end.

This works for US transactions, not involving foreign currency. I thought y’all might want to see the process. It's slightly more cumbersome that simply adding 3%, but it's accurate to the penny.

[Der Gebirgsjager]

That's interesting, Nueces. Up until about 4 years ago I had no idea what PayPal was all about, until I too wanted to buy something on this Forum and PayPal was all the seller would accept. I decided to try it and just did the regular transaction thing, having started from knowing nothing about it. The seller came unglued and refused to ship the item (I think it was brass) as he said having to pay the transaction fee cut into his already-narrow profit. I apologized, and did the F&F thing. Since then, having become much more educated about PayPal I've learned that they are "woke" and truly anti-gun. There are all sorts of stories about gun-related transactions being cancelled by PayPal and users having a very difficult time getting them to release the money. They are also plagued with ethical and moral problems, but this is not the place to go into detail on that. I will only use them as a last resort, if no other form of payment is accepted, and then I think twice about it. "Stuff" (like brass, etc.) has a way of turning up again from other sellers.

DG

[GoodAlloy]

Agree with Der comments. However people want convenience and PayPal provides that. But I definitely agree it Would be great to have more 2nd amendment, friendly methods to make payments through. It is actually very needed.

FYI
Starting this year IRS will be collecting tax on any payments into your PayPal account. “Payments” are considered earned income unless they are personal from “friends & family”.
Tax will be collected on the entire payment value not necessarily any profit that one may have made or not made.

Knowing all of this makes a seller very aware of the difference between a purchase and a friends and family payment. Most all of us on this site that sell items are not making any profit, Just recuperating what may have been paid for something when purchased while passing it along.

[beezapilot]

[QUOTE=GoodAlloy;5460336]FYI
Starting this year IRS will be collecting tax on any payments into your PayPal account.

Ditto with E Bay, and an accountant acquaintance of mine down town mentioned that with an Ebay account once they link an SSN to an account they will proceed with sales from previous years as income.

[GlocksareGood]

Yeah with the IRS sticking their nose in I am not sure that PayPal will last. I don't sell as a general rule but if I did it would be USPMO only. Starting around 2023 I bet the amount of hobby sellers accepting e-type payments will go down dramatically.

[Wheelguns 1961]

Another thing is “friends and family” does not offer the same protections as the normal paypal as far as recouping your money should your transaction go bad. If it is someone I trust, then I use friends and family.

[Finster101]

Yeah with the IRS sticking their nose in I am not sure that PayPal will last. I don't sell as a general rule but if I did it would be USPMO only. Starting around 2023 I bet the amount of hobby sellers accepting e-type payments will go down dramatically.

I guess I am the total opposite. If a USPMO is the only form accepted I won't even think about buying.

[cat-mechanic]

I guess I am the total opposite. If a USPMO is the only form accepted I won't even think about buying.

Yeah, for USPS money orders, I always get stuck in an hour long line. And it moves at the speed of government bureaucracy.

Now if I could buy postal money orders online and have them sent directly to someone, I'd do that.

[Nueces]

I have heard these stories about paypal for years but have never had a moment's trouble with them, despite using paypal for a great many firearms related transactions (usually as a buyer, not seller), including on ebay. I also use paypal on commercial sites, if available, instead of entering my credit card information. That reduces the risk of exposure and loss of the card due to site hacking. USPS MOs are a considerable burden, as related above, and I generally won't use them. I'm happy to mail a check and await clearance.

Paypal regular provides protection for the buyer and gives the seller the buyer's address, along with reduced cost mailing options, none of which come with the F&F option. But, the world is changing. I'll change, too, whatever is necessary.

[salpal48]

A postal MO does offer some protection to the Buyer. Most people don't realize that the stub you save is Proof of Purchase . If you get stiffed , You can Open a Claim. The PO is obligated By federal law to investigate. They can send a agent to That address.

[HawkEyeEarl]

I have used paypal many times. All times it worked fine except the last time.
Last I used it they took my money and then would not pay the seller.
I finally paid the seller otherwise. I was out for 2 times the money for a while.

It took several days to get my money back.
Lots of emails and online chats to make that work.
I never understood the problem. I do not believe that who I talked to understood the problem.

I like to get the delivery faster is why I have used it so often.

I am hesitant to try again.

PMO takes time which I do not have much of, to go to the post office and cost for the PMO and the gas.

Checks are faster to mail take but take some time mailing and clearing.

[gpidaho]

I guess I am the total opposite. If a USPMO is the only form accepted I won't even think about buying.
Agreed. Unless a seller is willing to accept electronic payment, I'm not buying. I'm not driving all the way to the Post Office and standing in line for who knows how long just to buy some small item. I can't believe how many folks want to use a service but are too cheap to pay the small fee. I will add the % to a purchase without being ask when buying and don't ever ask for F&F when selling. If you use the service, pay the fee. Gp

[M-Tecs]

A postal MO does offer some protection to the Buyer. Most people don't realize that the stub you save is Proof of Purchase . If you get stiffed , You can Open a Claim. The PO is obligated By federal law to investigate. They can send a agent to That address.

That is the claim but reality is the USPS does nothing and again reality is you have zero protections. Even on a lost in the mail MO it takes them forever. The claimed times are below but in my case it took over 9 months to get a refund for a MO per their own tracking they lost.

https://www.usps.com/shop/money-orders.htm

Replacing Lost, Stolen, or Damaged Money Orders
Lost or Stolen Money Orders
You cannot stop payment on postal money orders, but a lost or stolen money order can be replaced.
Money order loss or theft may take up to 30 days to confirm.
Investigating a money order's lost or stolen status may take up to 60 days.
There is a $13.90 processing fee to replace a lost or stolen money order.
Requesting a Refund
Take your money order receipt to any Post Office location.
Talk to a retail associate at the counter to start a Money Order Inquiry.
After starting the inquiry, you will be able to check the status of your money order and inquiry progress by visiting the Money Orders Application.
When your money order is confirmed lost or stolen, we’ll issue you a replacement money order.

[4719dave]

The problem lies when you get a 1099 form from sales for items you’ve already paid taxes on !!! Ya that’s fair right . Guys who sell things to survive in life sometimes can’t afford taxes etc . But some have no worries in life ��Must be nice ! I have never got taken on cast boolits .eBay pp all of it takes advantage of things taxing shipping some have no clue about all the fees . There’s a lot of horse trading here which is great . Let’s keep it that way . Just my 2 cents

[HATCH]

PayPal offers two methods of payment.

Goods and Services
Friends and Family (people you trust)


Using Goods and Services will offer you the utmost protection. If you have a issue, paypal will freeze the account of the person you paid until they make it right.
They do charge a minor fee to do payments using this method. In turn, they will also freeze your account if they think your doing anything against their policies.

Using Friends and Family is just like using cash. No protection at all. Only use it if you are paying someone you trust or someone that has a good reputation.

As mentioned above in other posts, the IRS changed the procedure on incoming funds to Paypal and other electronic payments.
If your yearly total for Goods and Services equals $600 or more then they will issue you a 1099 (misc income).
You will have to potentially pay taxes on that income.

A lot of people stopped using PP because of that fact.
I for one are one of those people that no longer accept G&S but will accept F&F.
I never have had a issue with paying PP their fee and with the exception of panel sales, I never charged the customer the fee.

Venmo, Zelle, Cashapp, and PP F&F are all considered cash transactions

On the items I sell, I accept PP F&F, Venmo, Zelle, cash (yes green paper), personal check, bank check, and money order

[gliebegott]

USPS MO is not fun these days. Good luck cashing one that is more than 100 before noon. Had 2 900 dollar USPS MO and took me weeks to cash. If they dont have the money in the drawer to cover it then you are SOL.

[georgerkahn]

PayPal offers two methods of payment.

Goods and Services
Friends and Family (people you trust)


Using Goods and Services will offer you the utmost protection. If you have a issue, paypal will freeze the account of the person you paid until they make it right.
They do charge a minor fee to do payments using this method. In turn, they will also freeze your account if they think your doing anything against their policies.

Using Friends and Family is just like using cash. No protection at all. Only use it if you are paying someone you trust or someone that has a good reputation.

As mentioned above in other posts, the IRS changed the procedure on incoming funds to Paypal and other electronic payments.
If your yearly total for Goods and Services equals $600 or more then they will issue you a 1099 (misc income).
You will have to potentially pay taxes on that income.

A lot of people stopped using PP because of that fact.
I for one are one of those people that no longer accept G&S but will accept F&F.
I never have had a issue with paying PP their fee and with the exception of panel sales, I never charged the customer the fee.

Venmo, Zelle, Cashapp, and PP F&F are all considered cash transactions

On the items I sell, I accept PP F&F, Venmo, Zelle, cash (yes green paper), personal check, bank check, and money order

Perhaps (again) illustrating I'm definitely not the brightest bulb in the fixture ;) -- I'm a tad confused re the "IRS connection". Who (the sender of funds OR the receiver of funds) with an annual total +/= $600.00 USD might receive the 1099- form?
I personally am more than happy with PayPal; I've gotten 'stiffed' a few times on eBay, and they have -- every time -- refunded ALL my money sent within a very few minutes of my inquiry to them. No questions, no nags, Of course, they indicate they'd be doing an investigation and I'd be subject to a reversal should their findings indicate. But -- I endeavor to always be on the up-and-up, and PayPal has always treated me with respect.
As an almost-cripple (bad leg) I do the bulk of my purchasing on line, and -- again -- use PayPal as my prime means of payment. Definitely MORE than the six hundred U S dollars per year you indicated. Note that I am solely a buyer -- sender of funds.
Hence my question: Need *I* be "worried" (vis the Internal Revenue Service) in my using PayPal to pay for my purchases?
Thanks.
(dummie) geo.

[dsh1106]

Perhaps (again) illustrating I'm definitely not the brightest bulb in the fixture ;) -- I'm a tad confused re the "IRS connection". Who (the sender of funds OR the receiver of funds) with an annual total +/= $600.00 USD might receive the 1099- form?
I personally am more than happy with PayPal; I've gotten 'stiffed' a few times on eBay, and they have -- every time -- refunded ALL my money sent within a very few minutes of my inquiry to them. No questions, no nags, Of course, they indicate they'd be doing an investigation and I'd be subject to a reversal should their findings indicate. But -- I endeavor to always be on the up-and-up, and PayPal has always treated me with respect.
As an almost-cripple (bad leg) I do the bulk of my purchasing on line, and -- again -- use PayPal as my prime means of payment. Definitely MORE than the six hundred U S dollars per year you indicated. Note that I am solely a buyer -- sender of funds.
Hence my question: Need *I* be "worried" (vis the Internal Revenue Service) in my using PayPal to pay for my purchases?
Thanks.
(dummie) geo.

You will being receiving a 1099 if you receive more than $600 in year into your PayPal account. (from selling stuff)
The laws changed a year or two ago because the DEMS put this legislation into the ONIMUS or passed on in a RECONCILIATION bill.

Scott

[Bird]

Save all your receipts from your initial purchases of the goods you are selling, as well as shipping costs, fees paid to paypal or others.
Unless you are selling things for a living, then they are considered a capital gain, long or short term. Deduct your cost basis from the sales price, and that is what you will pay tax on.
The biggest problem with the above is it worth the amount of time and effort required to do so? I would say it is. You may end up owing nothing, or the max capital gains tax is 28%. Its either that or pay it at your regular income tax rate.
E-Bay etc. will send you a 1099 on sales over $600 as required by law, but you may still owe taxes on any amount less than that if there is a gain.

[deltaenterprizes]

Yeah, for USPS money orders, I always get stuck in an hour long line. And it moves at the speed of government bureaucracy.

Now if I could buy postal money orders online and have them sent directly to someone, I'd do that.
My bank accepts them for deposit!

[Stopsign32v]

USPS MO is not fun these days. Good luck cashing one that is more than 100 before noon. Had 2 900 dollar USPS MO and took me weeks to cash. If they dont have the money in the drawer to cover it then you are SOL.

Go to your.......Bank...?

[silverbuzzard]

WHY would anyone use PP? They are totally antigun

[georgerkahn]

You will being receiving a 1099 if you receive more than $600 in year into your PayPal account. (from selling stuff)
The laws changed a year or two ago because the DEMS put this legislation into the ONIMUS or passed on in a RECONCILIATION bill.

Scott

Thanks, Scott / dsh1106! OK, for a fact I bought an item on eBay which I paid for using PayPal. Item came defective and seller refunded most (not all) my money. Hence, I just got money sent returned, this with a "cost of doing business" :( to me. The IRS would consider this taxable income???
((grrrrrrrr))
geo

[Finster101]

George as a buyer you would not be subject to a 1099. Only people selling goods.

[JonB_in_Glencoe]

PayPal offers two methods of payment.

Goods and Services
Friends and Family (people you trust)


Using Goods and Services will offer you the utmost protection. If you have a issue, paypal will freeze the account of the person you paid until they make it right.
They do charge a minor fee to do payments using this method. In turn, they will also freeze your account if they think your doing anything against their policies.

Using Friends and Family is just like using cash. No protection at all. Only use it if you are paying someone you trust or someone that has a good reputation.

As mentioned above in other posts, the IRS changed the procedure on incoming funds to Paypal and other electronic payments.
If your yearly total for Goods and Services equals $600 or more then they will issue you a 1099 (misc income).
You will have to potentially pay taxes on that income.

A lot of people stopped using PP because of that fact.
I for one are one of those people that no longer accept G&S but will accept F&F.
I never have had a issue with paying PP their fee and with the exception of panel sales, I never charged the customer the fee.

Venmo, Zelle, Cashapp, and PP F&F are all considered cash transactions

On the items I sell, I accept PP F&F, Venmo, Zelle, cash (yes green paper), personal check, bank check, and money order
Yep, as I am downsizing and selling my personal tools and ect; I will no longer accept Paypal Goods and Services payments. I have no receipts for the stuff I'm selling, that I bought 1 to 2 decades ago, I wasn't buying it to resell, I bought it to use and I did use most items...and it wasn't used for business, it was used for hobby. I have no way to prove what I have invested in these items, so if there is some gain when sold, How would I explain that to one of the new 87,000 new IRS agents when they come to visit.
So it's Paypal F&F only for me, or some other form of payment where the IRS is NOT in the loop. Paypal made this option just for people like me to unload my garage sale type items.
That's my 2¢

[DougGuy]

The PROBLEM with receiving paypal payments, is buyers don't bother to L@@K when they send money, and they send G&S unconsciously.

Paypal offers the account owner ABSOLUTELY NO WAY TO STOP THESE PAYMENTS!

You CANNOT filter out G&S payments if someone sends one you are stuck with it adding to your yearly total, EVEN if you refund the payment, and there was NO TRANSACTION, Paypal STILL reports it to the IRS on your 1099. That, by itself, SUCKS!

I had to shut down my paypal account totally against receiving payments of any kind, the only payments my account will receive are refunds from ebay. Hell I cannot even go to walmart and put cash into my account!

I had Paypal reps on the phone several times and went around and around with them, filed a written complaint outlining the facts I mentioned in my previous paragraph, to no avail (so far).

All this, to stop users who would send me work, from sending G&S payments because they could not look beyond their NOSE to see how the payment was being sent. I have lost a **** TON of business from not taking paypal. 75% loss of business.

[rbuck351]

When someone says they will only sell with pay pal, I just move on.

[schutzen-jager]

got scammed - And now i will never again deal with any seller that fraudulently tries to save a few dollars by requiring F+F [ now called trusted person ] payment only - user protection by paypal well worth the extra fee -

[dannyd]

USPS MO is not fun these days. Good luck cashing one that is more than 100 before noon. Had 2 900 dollar USPS MO and took me weeks to cash. If they dont have the money in the drawer to cover it then you are SOL.

I was in your position they didn't have enough money to cash it, so I went to bank next door and they gladly cashed them. Something to keep in mind if you have another transaction.

[Rickf1985]

I am in the same boat as George, I am disabled and have a very hard time walking. Standing for more than a couple minutes is out of the question. I have a wheelchair but I do not like using it unless I absolutely have to. Plus my shoulders are both blown out so getting the chair in and out of the car is excruciating, just not worth doing unless I have help. I don't like supporting anti-gun outfits but in some cases there are no better alternatives if you want something fast and the buyer does not accept personal checks. And a LOT of people do not accept personal checks anymore. And if you think about it, UPS, USPS and Fed-Ex are all anti-gun so what are we left with to get stuff sent to us once we do manage to pay for it? We are going to be supporting some anti-gun outfit whether we like it or not.

[Whiterabbit]

Another thing is “friends and family” does not offer the same protections as the normal paypal as far as recouping your money should your transaction go bad. If it is someone I trust, then I use friends and family.

I stopped any and all consideration of this justification recently, and ONLY use F&F all around everywhere. Previously, this quote I agreed 100% with and used when I felt appropriate. The change for me was consideration of Paypal's draconian policies for firearm related stuff.

Imagine a scenario:

You select 'puchasing goods or service' in paypal for the reason you describe and the deal goes south. You contact paypal to get a benefit, and tell them the gun/frame/barrel/powder/grips/whatever you bought was not properly transacted. Now Paypal is aware the goods in question violate their terms of service. Maybe it doesn't even violate their terms of service but it is "close enough" that the service rep can't tell the difference and is anti-gun besides.

whether you are the buyer or seller, is there any positive outcome from this? I can't think of any.




Now, I haven't had to deal with paypal for transaction issues as either a buyer or seller yet. I don't know how likely it is that there will be disclosure of the goods subject to the transaction. But I do know there is risk, and that the horror stories out there by some speak for themselves.

IMO the better policy is either "trust" F&F or use another service... At least that is my thinking these days.

[cat-mechanic]

My bank accepts them for deposit!
My bank accepts them for deposit as well. However, I was talking about having to buy a USPS money order.

[Four-Sixty]

I've been thinking. If your sales on PayPal are going to be considered income, shouldn't you charge PayPal users a "transaction fee" in line with your income tax rate? So, if I am in the 22% tax rate, and PayPal's fees are 3%, shouldn't I charge PayPal users a 25% surcharge because they use PayPal?

[GoodAlloy]

Cash always works

[BeemerMark]

People think USPS MO are the only game in town. Walmart MO's are cheaper, easier, and faster to get (and cash) then messing around with the PO. And good luck if you still think USPS backs up your MO against fraud. As a seller I ask for Certified Checks. I only use to do this for large ticket items but since Paypal has already informed me that I've exceeded the $600 limit it's CC all the way out. A Certified Check is money drawn from the buyer's account, transferred to the bank, and then the bank issues a check in the same amount. As a buyer you just need to know who you're dealing with. This is the way business was done buying and selling stuff interstate before computers.

[DevilDog83]

Both sides have a valid stance, my personal stance however, is that paypal is an anti 2nd Amendment company, and I will not deal with them. They may be fast and easy to use (personally I have no idea now, as I stopped using them many years ago after they screwed me out of MY MONEY). When I offer up brass for sale to everyone here, it states pretty clearly, NO PAYPAL!!! I may have lost a small handful of sales over that, but the brass still sold to someone else. Maybe I am just getting old and cranky, but I still believe Americans should be at work making envelopes, stamps, checks and delivering mail. Hope everyone has a great day.

[gc45]

I am with Devidog. No PP for me either, good for those who like it though. I'd rather pay for a USPS money order than give money to these creepy pot smoking computer thief's who just keep it up figuring out how to make us all pay more for being alive.

[elmacgyver0]

I am with Devidog. No PP for me either, good for those who like it though. I'd rather pay for a USPS money order than give money to these creepy pot smoking computer thief's who just keep it up figuring out how to make us all pay more for being alive.

Kind of like the government which the USPO is a part of whether they admit to it or not.
That said, I've had good experiences with both.

[phantom22]

I've just deleted my PayPal account after many years. I cannot abide companies that have to inject their political agenda into their businesses. Just recently they had a huge fiasco where they were going to "fine" users $2500 for basically wrong-think. It got leaked that this was in the works and they quickly retracted it saying it was a "mistake". They already are anti-constitution so anyone with half a brain realizes that they are lying.

Anyway, I've heard of GabPay which is supposed to be like PayPal, but without the leftist communist woke garbage. I have not looked into it much so I cannot vouch for the quality of the service, but I have heard about it as an alternative to PayPal. It might be worth looking into. https://help.gab.com/article/gab-pay-overview

I sell occasionally here on Cast Boolits and have done cash, MO, and PayPal without any issues. But from now on, no PayPal for me.

[tunnug]

I've had PayPal for a while, quick, easy, until they started to change how they did business.
Besides their anti gun agenda they wanted me to connect my bank account to them, I refused, last couple of transactions I had a handling charge of over $10 each, I called the bank and they told me it wasn't them that it was an international charge from a bank outside the US, didn't make sense since the deal was with someone in California, I finally was able to figure out that PP will add the charge to anyone that didn't have a bank account tied to them, this after it happened a second time and followed a person changing chain through PayPal when I wouldn't be satisfied with whatever they tried to tell that didn't make sense, kept changing until the truth came out, they got me for over $20 in fees, I closed the account and will never use them again.

[softpoint]

I purchased some stuff off this very site back in November. Supposedly package was shipped, but was lost in route. I paid with PayPal F&F, and now I cannot file a claim with the Post Office because I have no receipt. So I will never pay with F&F again, and I advise others not to either.

[GoodAlloy]

It is the sellers responsibility to make sure that you received what you purchased if it never showed up it would be their risk not yours my two cents worth.
I have had similar situation on items I have sold, and I have always made the deal right. Your seller should ensure you getting what you paid for in my opinion.

I filed a postal claim on a similar situation over three years ago, and I have still yet to receive compensation from the Postal Service. I actually can’t even get them to respond to my inquiry.


QUOTE=softpoint;5504457]I purchased some stuff off this very site back in November. Supposedly package was shipped, but was lost in route. I paid with PayPal F&F, and now I cannot file a claim with the Post Office because I have no receipt. So I will never pay with F&F again, and I advise others not to either.[/QUOTE]

[softpoint]

It is the sellers responsibility to make sure that you received what you purchased if it never showed up it would be their risk not yours my two cents worth.
I have had similar situation on items I have sold, and I have always made the deal right. Your seller should ensure you getting what you paid for in my opinion.

I filed a postal claim on a similar situation over three years ago, and I have still yet to receive compensation from the Postal Service. I actually can’t even get them to respond to my inquiry.


QUOTE=softpoint;5504457]I purchased some stuff off this very site back in November. Supposedly package was shipped, but was lost in route. I paid with PayPal F&F, and now I cannot file a claim with the Post Office because I have no receipt. So I will never pay with F&F again, and I advise others not to either.[/QUOTE]

The seller isn't interested in making it right. He has told me to deal with it. I have been to the Post office in person and am trying to get them to accept my claim. It wasn't a lot of money, but still..

[salpal48]

Never Buy Or send payment Friend Or family. Pay the Fee and you will have recourse.

[schutzen-jager]

you might try contacting USPS police + inspection service possible mail fraud if transaction went via USPS - does seller have printed proof of shipment ?

[deltaenterprizes]

I used to do F&F at the seller’s request until my credit card became Capitol One and charged a cash advance fee plus daily interest on the payment!
I got screwed into paying double for the item because I sent the seller a check and then they sent an invoice to PayPal and I couldn’t get a refund!
I don’t use Capital One credit cards anymore unless it’s an emergency!
Their customer service sucks because it’s in the Philippines and the idiots don’t understand American English!

[softpoint]

you might try contacting USPS police + inspection service possible mail fraud if transaction went via USPS - does seller have printed proof of shipment ?
Pretty sure he has proof of shipment, he sent me a tracking number. I think it was lost or stolen during transit. It would be easier for him to try to make a claim for it, I think, but he is unwilling to do so, so I will have to see if I can. I am the one who is out the money. He was paid. I also understand the Post Office can be very slow about resolving these issues..

[schutzen-jager]

if he has the receipt ask him to send you a copy - if he refuses i am sure he was hiding the money from IRS to avoid taxes which is a federal crime - what reason does he give for not making claim ? -

[DougGuy]

USPS MO is not fun these days. Good luck cashing one that is more than 100 before noon. Had 2 900 dollar USPS MO and took me weeks to cash. If they dont have the money in the drawer to cover it then you are SOL.

Jeez ever heard of a BANK???? Have you ever had a bank account? Banks will cash it if you have an account or let you deposit it into your account.

[softpoint]

An update, the seller has refunded me in the amount the package was insured for. He will have to file a claim with the Post office, to get that back. I'm happy with that, this has been a obviously been a pain in the rear for both of us.

[rickt300]

Paypal caused me a heck of a headache recently. Not sure if my account was hacked or the robot paypal keepers made a mistake. At any rate a guy I bought some stuff from had money "locked" up and account restricted for almost two weeks saying somehow I reported the transaction as fraudulent. I pulled my bank and card accounts from my Paypal account and am considering never using it again.

[schutzen-jager]

back when ebay forced every seller to use paypal i set up the account + only keep a $3.00 paypal balance + $12.00 balance [ minimum allowed to keep account open w/no fees ] in account linked to paypal - this keeps my risks very low -

[Sig]

It's a double edged sword. If a buyer uses F&F they have little to no recourse. If a seller accepts PP goods & services, they have little to no recourse. There are dishonest people on both sides.

[racepres]

Jeez ever heard of a BANK???? Have you ever had a bank account? Banks will cash it if you have an account or let you deposit it into your account.

Don't gots time to read thru all of this... But
If you use a Bank Account, Not a Credit Card...ie paypal uses an account balance.. No Fees...either end.. I have always tied Paypal to my account balance, an account I set up just for Epay at the bank.. and they have Never had a credit card from me...and.... No Fees... either end.. matters Not F&F nor G&S

[JonB_in_Glencoe]

Don't gots time to read thru all of this... But
If you use a Bank Account, Not a Credit Card...ie paypal uses an account balance.. No Fees...either end.. I have always tied Paypal to my account balance, an account I set up just for Epay at the bank.. and they have Never had a credit card from me...and.... No Fees... either end.. matters Not F&F nor G&S
There are Paypal fees paid by the seller when the buyer uses G&S option.
...AND, recently implemented by Paypal, if the seller sells more than $600 worth of items in a year, Paypal will send the seller a 1099 form to include with his Fed Tax return...whether the seller is in business or not.

Credit card fees are a totally different thing, not to be confused with Paypal fees.

[racepres]

There are Paypal fees paid by the seller when the buyer uses G&S option.
...AND, recently implemented by Paypal, if the seller sells more than $600 worth of items in a year, Paypal will send the seller a 1099 form to include with his Fed Tax return...whether the seller is in business or not.

Credit card fees are a totally different thing, not to be confused with Paypal fees.
Something fairly New??? I neve before had any fees when using my Bank Balance..
AssHats!!!

[TNsailorman]

I read recently that some credit card companies are co-operating with the ATF and reporting charges of ammo, guns, and gun elated products to the ATF. I don't know if this info is correct but if it is true, any credit card company doing this will never get my business.

[schutzen-jager]

I read recently that some credit card companies are co-operating with the ATF and reporting charges of ammo, guns, and gun elated products to the ATF. I don't know if this info is correct but if it is true, any credit card company doing this will never get my business.

Discover card just announced this policy - another reason the liberals want to do away with cash usage - a

[rustythread]

Having noticed that using Paypal F & F for transactions with strangers could be construed as wire fraud, I pay the extra ~3% to the seller. I haven't yet had a transaction involving enough money to be worth lying about. Just one opinion.

[hk940]

Just this month I had two sales thru Paypal (first in a long time) one buyer used G&S and one used F&F I had not specified payment either way, but was charged for the G&S sale.

[Shawlerbrook]

Everyone I deal with is a friend and we are just exchanging favors. If they want to lock me up over that, so be it.

[GasGuzzler]

I try to do as the OP does IF the seller asks for F/F. If they don't specify, I use G/S without adding anything. It's common sense. I myself don't ask for the $0.30 + 2.9%. I just round up the flat rate shipping that I usually include in the price. I am not at all worried about < $1 on a $100 item.

[Rickf1985]

I use Paypal mainly out of necessity but the convenience is nice. I am disabled and contrary to belief not all post offices are ADA compliant! Mine is a royal pain to get into but once in there you will stand there for a long time waiting. This is something I cannot do. If I am in my wheelchair it is even worse since they have no automatic doors, you just have to wait for someone to come out and either hold the door for you or catch the door before it closes. and then when inside there is very little room for a chair and people get upset with you. Oh yea, the counters are chest high to me when I am standing and I am 6'2", needless to say if I am in the chair I am looking up at the bottom edge of the counter. I am just thankful I do not need the chair all the time, yet. So money orders are basically a no sale for me.