I don't understand how would someone pay without paypal?

[musicyouneed]

I was just amending my shipping to exclude spain and I came across this.  Looks like a buyer with loads of feedback has been a ebay buyer/seller for years tried 3 times to purchase something from me and because he didn't have a paypal account it would let him/her buy the item.   I don't understand, other than paying you cash on pick up, how do you have people pay you?

 

[musicyouneed]

It doesn't really matter but I sort of wanted to know what affect it would have if any.  

In just 2 days, I had 4 payments via paypal and 4 possibly that had I had the paypal requirement on I may have not got those sales.  So I am just assuming that I just increased my sales by 100%.  

Just wondering.  I know that having it on, I definitely lost the one sale that started this thread.  

[i.am.vivian]

That one was only $10, so at least not one of your rare expensive ones.  This close to Christmas any difference may have other factors so I wouldn't want you to get your hopes up about increases.  I want everyone to have lots and lots of sales. lol! 

But I really think you should give it 6 or 8  months before leaping to any conclusions.  It'll pass pretty quick.  Otherwise, sure, now that the cc holders can buy your items, you are bound to sell at least a little more.  Look at recped's feedback score.  A number most of us can only dream about!  🙂 

[rose-dee]

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@musicyouneed wrote:

Over the last 2 days, I have noticed since I took off the paypal requirement, that some of my notices of payment are different.  For the ones that come from paypal it states persons name via paypal, item # instant payment received from buyers name.

I now get (see red arrow) Paypal - notification of payment received, you've got new funds.  I thought it might be buyers that had money in their paypal account but I just sold something to a buyer that had just signed up today.  So I think this person might have paid with his credit card.  

---

That's good to know, I appreciate your posting that screen shot.  This means that removing the block takes effect right away, on active listings, even though the text next to the toggle on that option says that checking the box (putting the block on) does not.  Wonderful! 

One reason I can think of why it might be important to be able to distinguish payment types is to determine, over several weeks or months, what percentage of your buyers tend to pay with credit cards, and in addition whether eBay is correct in saying that designating Paypal only actually helps to reduce non-payers.  With that information you'll be able to decide whether to continue with the Paypal block off. 

Also, you might want to double-check on a few of those credit card transactions to see whether Paypal is charging you anything extra for the service.  I don't know that that is the case, but being able to see them on your payment list as credit card purchases will help you spot-check the first few for any discrepancies.  

Are you using Selling Manager Pro, or is the screen shot you posted taken from your personal email account?  It doesn't look terribly familiar as an eBay screen, although it's a bit small to read clearly.  By the way, I'm wondering what the "(2)" means after the Paypal entry near the bottom.  Did the buyer purchase 2 items together?  

Cheers, and I hope this works out well for you! 

[zee-chan-jpn-books]

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@maggiebvintage2010 wrote:

zee-chan, your post got me thinking, and I just want to add some comments on 2 points:
 
1.  When a seller doesn't choose PayPal Only as payment method, that doesn't mean that they have to accept money orders.  As I understand it, forms of payment such as cheque, bank draft or money order must be requested by the buyer, and all the seller would have to do is decline.  There are probably few buyers who would request those, so most sellers would likely never encounter the scenario.  When I first started selling, I blocked non-PayPal payments, then I read a post by "pjcdn" explaining why she doesn't block, and I changed my preference.  Also, I think since guests can make a eBay purchase without having either an eBay or a PayPal account, the block is somewhat redundant.  All payments come to the seller through their PayPal account, the seller doesn't know the details of that payment unless they get the hourglass for an echeque, or unless they agree to accept a money order, personal cheque, Canadian Tire money, etc., or offer local pickup and receive cash.  See the links below:

2.  Re: methods of payment as a buyer, there is a window during checkout where PayPal shows you the way it suggests you pay, and if you have a balance in your PayPal account, that is what will show.  There is an option where you can choose another method, and there you can choose bank balance or credit card(s).  They always want you to pay with your PayPal balance, but you don't have to do that.  I have always maintained a balance in my PayPal account, but sometimes choose a credit card (eg. for a high priced purchase to get the card benefits) and have never had a problem doing so.  I just did a PayPal "test-drive" of the payment options, and see that they now display more prominently the "Pay after Delivery with your bank account" and "bank e-cheque", and I had to move through another step for the credit card option, but did find it.  I didn't actually complete a checkout, so can't verify if the credit card option still actually works - it's been a while since I've used it.  I do notice that they seem to be experimenting with a "new look" checkout, since there was a place to comment on whether I liked it if I had actually completed a purchase.

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 1. I'm aware that buyers have to be the one to request other payment method, but since I have kept my setting the same the past few years with no major issues so I just decided to keep things the way it is.

2. Whenever I try to check out with Paypal, if I have a CAD balance it never displayed the option to switch to pay with credit card for me. It's either I have to transfer all of my CAD to my bank with only USD and EUR balance left, then it'd show me the option to pay with credit card instead. I'm not sure why mine is like that. And sometimes when I don't want to bother logging into Paypal to transfer balance to bank, then I just pay as a guest with Paypal to use my credit card. I'm expecting sales tonight and will need to print shipping labels with Paypal, so once all buyers paid, I'll be withdrawing all of my CAD balance to bank, so that I can pay for my shipping label with a credit card (yay cash back!). 

[zee-chan-jpn-books]

Ok nevermind, just took a quick look at my account settings and I actually don't block buyers without PP account. I guess this makes sense because I do get the occasional zero feedback buyers with weird looking account names so they probably were using guest eBay / PP accounts. So that's fine then lol. My listings still state I only accept Paypal and I'll just leave it like that.

[musicyouneed]

Hi Rose, that was my gmail account on IE.  The 2 refers to 2 separate payments from 2 separate buyers.  

I just wondered by taking off the paypal block would it make any difference and would I be able to notice it.   I will see and monitor and report back my findings in a few weeks, if others would like to know.  

[musicyouneed]

As you can all tell I am a visual person, I need to see it that why I post so many pictures, sorry if it bothers you. 

I went to my paypal account and I am terrible at percentages of fees.  Take a look, I have marked the 4 that I suspect were paid that were not paypal only.   Someone who is good at math, is there a difference in the fees?

[ypdc_dennis]

For a Canadian seller under $3000/month the paypal fees are:

$0.30 + 2.9% for Canada buyer

$0.30 + 3.7% for USA buyer

$0.30 + 3.9% for the rest of the world

www.paypal.com/ca/webapps/mpp/ua/useragreement-full#8

So your 4 stars are:

$43.49 with 1.91 fee = 3.7% + 0.30

$10.49 with 0.69 fee = 3.7% + 0.30

$14.04 with 0.71 fee = 2.9% + 0.30

$10.49 with 0.69 fee = 3.7% + 0.30

Usual fees.

[pjcdn2005]

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@rose-dee wrote:

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@pjcdn2005 wrote:

As far as I know, the only purpose for the block since I have been selling is to block buyers without linked eBay/PP accounts.....nothing to do with a merchant account.  I know that myself and others have commented more than once  that  by using that block the seller was blocking potential buyers who actually had a PP account. 

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This is intriguing.  I frankly haven't looked at the Buyer Requirements for some time, but I did just now.  

I thought -- as you did -- that the only purpose of the PP restriction was to block buyers who didn't have a linked eBay/PP account.  I'm certain that particular block used to say that.  The text below is what I see today however, which doesn't refer to linking.  

I would take this to mean any PP account, whether linked or not.  I seem to vaguely recall Raphael mentioning some time ago that linking was no longer relevant, so perhaps eBay finally caught up and revised the wording here.  I just don't know for sure.  At any rate, I've removed the block, which I see will only apply to future listings, which means I may have to relist everything to ensure it applies.  Oh well, more busy-work. 

I've never thought that the Paypal restriction/block was in any way connected to merchant accounts.  What I meant was that I seem to recall there was a time on eBay when Paypal was available, along with other non-credit-card options (and buyers could pay with their credit cards through Paypal, as they can now), but paying directly off a listing using a VISA, Mastercard, etc. could only be done if the seller set up a merchant account.  Anyway, that's ancient history and doesn't make any difference now.  The main thing is that I, and probably many other sellers who read this thread, now know that toggling this block off will allow their buyers to choose to pay with their credit cards, straight from a listing, even if they don't have a Paypal account. 

I don't know how up-to-date the second remark in the text below still is.  It may still be true, but I'd rather not prevent buyers from being able to pay in the first place, even if I might only see credit card purchases occasionally.  In my category I'm generally not too troubled by non-payers. 

Buyers without a PayPal account

Block buyers who don't have a PayPal account. (Note: This block only applies to future listings and can be disabled per item on the Sell Your Item form.)
	This requirement can help you avoid Unpaid Items, as PayPal account holders have up to an 80% lower Unpaid Item rate.

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It never did say anything about linked accounts, the wording hasn't changed. eBay has never specified  blocking buyers without a linked PayPal account.  By using that block you automatically block non linked accounts  because if an account isn't linked,  ebay treats the user as someone without a PP account.

That's the way they treated it in the past anyway.

[rose-dee]

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@pjcdn2005 wrote:

It never did say anything about linked accounts, the wording hasn't changed. eBay has never specified  blocking buyers without a linked PayPal account.  By using that block you automatically block non linked accounts  because if an account isn't linked,  ebay treats the user as someone without a PP account.

That's the way they treated it in the past anyway.

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Well I guess my recall of it from years ago is different than yours.  No matter, I've removed the block and will see if it produces either good results or undesired problems. 

[maggiebvintage2010]

This is from the help pages about immediate payment requiring that PayPal be the only payment method, and also that the seller needs a PayPal Premier or PayPal Business account to enable IPR.  I have never required immediate payment and I don't have a premier or business PayPal account, but according to this, IPR is automatic anyway when <$1000. with shipping cost specified and PayPal the only payment option.

If this help page is up-to-date, won't removing the block for buyers who don't have a PayPal account disable the automatic IPR? 

Is that a valid conclusion, or am I reading this incorrectly?

http://pages.ebay.ca/help/pay/require-immediate-payment.html

Requiring immediate payment is useful if you're selling a time-sensitive item (for example, concert tickets), and you want to make sure the listing remains available until the transaction is successfully completed. To require immediate payment, you must meet certain requirements and the listing must include any related costs, so your buyer knows exactly how much to pay.

If you have an auction-style listing with a Buy It Now option, both the Buy It Now button and the immediate payment requirement disappear once a bid is placed (or, if you list with a reserve price, once your reserve price is met). In that case, the listing becomes a regular auction-style listing, with the item going to the highest bidder. For items priced below $1,000 with a specified shipping cost and where PayPal is the only payment method offered, buyers who click Buy It Now are asked to pay immediately.

For all other items, if you list with a fixed price, you can require a buyer who clicks Buy It Now to pay you immediately using PayPal. If you require immediate payment, the item remains available for purchase until a buyer has completed a PayPal payment, or until the listing expires. The first buyer who clicks Buy It Now and completes their PayPal payment officially purchases your item. Once a buyer completes payment, the listing ends.

Immediate payment is automatically required on items priced below $1,000, that have a specified shipping cost, and where PayPal is the only payment method offered.

Things to keep in mind about requiring immediate payment:

• You can use the immediate payment feature with both fixed price listings and auction-style listings with a Buy It Now price.

• Listings with the immediate payment feature must offer PayPal as the only payment method. If the listing ends before any buyer has completed payment, then the item hasn't been sold and you can relist it.

• If the listing reaches its ending time before any buyer has completed payment, then no one wins the item and you can relist it.

• You can't require immediate payment for the full cost of Motors vehicles listings, but you can require immediate payment of the deposit.

Requirements to list with the immediate payment option

To use the immediate payment option in your listing, you must meet the following requirements:

• Have an eBay seller account in good standing.

• Have a PayPal Premier or PayPal Business account when you list your item. Find out more about upgrading your PayPal account.

• Specify a Buy It Now price of no more than $80,000.

• Specify shipping costs or offer free shipping when you list your item.

• Include all other related costs, such as taxes, so your buyer knows exactly how much to pay.

[pjcdn2005]

No because you aren't offering other payment methods, you are still offering PayPal.  A buyer paying with a cc will still be using PP to process the cc, it isn't going directly through a cc merchant account.  I think though that if you offer local pick up and cash payment with pick up, that you can't use ipr.  I'm not 100% sure on that though.

I used to use ipr for one brand name and it worked fine even though I did not have the PayPal account block checked off.  As Vivian said earlier, Unchecking that block  doesn't mean that you are offering another new payment method, it means tthat you are not forcing them to have a PP account.

[musicyouneed]

I was the OP on this and posted because someone tried to purchase something from me and because I only accepted buyers who had a paypal account he/she couldn't purchase it.  I was completely oblivious that there were other methods to pay besides paypal.  I have IPR on all my listings.  So I started the thread.  

I removed the block about having a paypal account, 4 days ago.  Nov 26? 

Since then, 4 days ago I have had 5 people purchase from me that did not have a registered paypal account, the money shows up in my paypal account.  So in the past those buyers could not purchase from me.  

This is a win for me.  Even if I only have 5-10 buyers per month that don't have a paypal account, it is still a bonus for me.