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?

 

[i.am.vivian]

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@recped wrote:

I sell cd's records etc and know quite a few other that do.

NONE of them use IPR

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I can't name names but some of those big ones in the US do.  I couldn't personally recommend IPR but I am not all that bothered by unpaids or maybe I just don't get very many.  Maybe someone who is more bothered by them will think they are more numerous than they are.   But I wouldn't discourage anyone from using it if they thought it eased their nerves. 

Its true that not many sellers block for no PP acc.  Like you say, too many people can't buy then, and some sellers notice an increase in sales once it is removed.  I wouldn't want to promise anyone an increase in sales from it though because when sales are down there can be a lot of other factors.

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@recped wrote:

What I do see a lot of are seller who block non-payers, block no PayPal accounts, block all or most International buyers, require IPR, ship with the most expensive methods etc. etc., etc. and then they complain that sales are down.

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LOL!  That's funny.  I think they block so much for reasons other than perceived necessity.  But you've said it in a nutshell.  The more they block the less they sell.  Nuisances happen.  Extra cash can soothe my frustrations.   🙂

[i.am.vivian]

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@ricarmic wrote:

One note, as far as I know the PAYPAL fees are higher when a buyer uses a credit card....... not a lot a percent or two I think.

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Maybe for the card user but I haven't noticed anything like that on my end.  If a card user pays more, that's their problem.

Even if it WAS more for the seller, much more, like 3%, I would only need to sell ONE item from around here, something I'm never going to use, to cover a year's worth.  I would never block for noPP, but I have more time than money.  I would not counsel other sellers on what to do however.  People must take responsibility for their own decisions.

But since there is no difference for me in my fees however the buyer pays, I'll keep my doors open for everyone.

[pjcdn2005]

I

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@ricarmic wrote:

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@i.am.vivian wrote:

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@musicyouneed wrote:

So if a buyer pays with a credit card, does the money end up in my paypal account?  What fees am I looking at, paypal fees even though the buyer didn't use paypal?  Sorry for being so stupid but I would like to understand.  

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Not stupid at all.  Stupid eBay sometimes. EBay makes things seem so much more complicated than they are and when they used to own PP they were really pressing that on people and so many users all got the wrong idea.  It is really not complicated at all. 

The buyer buys, gets the checkout page, clicks the cc option I showed you there, types in the card information just like on any other shop online (the ones who DO have a merchant account) and PayPal forwards the money to the seller.  All in a matter of seconds (or minutes).  You do not pay any more to receive it. 

When your items sell to a card-only user you get the exact same amount with the exact same FVFs.  If you have Immediate Payment, a card user is an immediate payer.  Blocking them is a bad idea in my opinion but up to you. 

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One note, as far as I know the PAYPAL fees are higher when a buyer uses a credit card....... not a lot a percent or two I think.

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The seller doesn't pay higher fees.  Perhaps you are thinking of international sales?

[ricarmic]

My recollection which might be wrong, was that the PAYPAL fees were higher when a buyer used a credit card.

Now I am medium old, so remembering isn't as good as it was 25 years ago, so it might be only for international credit card use, or even I misremember and it is higher anytime it is international....

[musicyouneed]

So now I am going through and looking at my listings and how other listings look from other sellers.  I am going to keep the IPR on mine for the time being.  I have removed the block about not accepting buyers without a paypal account but looking at mine, I still think there is something else I might do or am missing.

This is mine:

This is another member that responded on this thread:

This is another member that responded on this thread:

[recped]

It's a setting in your Site Preferences.

I actually still have "Offer PayPal in my listings" set to No but eBay overrides that and shows it as "accepted". There is also a box to tick for PayPal Preferred. I'm pretty sure these settings are just holdovers from the days before the Accepted Payments Policy came into effect.

[i.am.vivian]

What recped said.  Also if you have fewer little icons it is because you have IPR on your listings whereas some of the others who don't are willing to tolerate echecks and that means "bank".  🙂  

I don't think you are missing anything.  

[musicyouneed]

I have mine set up like this:  Is this right?

[i.am.vivian]

Looks great to me.  🙂 

[musicyouneed]

How would I know if they paid by some other CC than paypal, it would both end up in my paypal account?

[rose-dee]

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i.am.vivian wrote: 

Remember, the seller is not offering the credit card option.  Instead, what a seller does is decide not to block people without PayPal accounts. 

Wait, are you saying that this is not something the seller has to specify when preparing a listing?  Somehow I thought it was, so I've never paid any attention to the payment options (I list using Auctiva) -- I've always just had them set for Paypal only.  However, if I understand what you're saying, as long as the "nothing-but-Paypal" block isn't set, the buyer will be able to choose this option on any item.  Is that correct?  Hmm... I'll have to take a closer look on Auctiva to be sure there isn't someplace there that has to be specifically chosen.  

The only downside as I said earlier is there could be those who buy items with no means at all to pay.  Unpaid cases don't bother me that much and I am always nice to buyers so that I don't make anyone want to retaliate.  But keep in mind, blocking people without PP accs in no way PREVENTS unpaid items.  People who do have PP accs can still buy and not pay.  It is my opinion that the increased sales at the end of it all are worth any nuisances because there will always be nuisances no matter what you do or don't do. 

This makes sense of course.  I don't get upset about non-payment either, firstly because it happens so rarely in my line of selling anyway, and secondly because I don't take it personally -- I just deal with it, very nicely at first, then through a UIC. 

I'm going to have to look into this, take the block off and give it a try for a few months.  As I said, my buyers tend to be wonderful for the most part. 

[rose-dee]

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@i.am.vivian wrote:

The buyer  with a PayPal account will pick PayPal, and then fund the payment from a PP balance, a cc attached to PP, or an echeck. 

The buyer with the credit card picks that option and pays the same way they paid at the vitamin shop (or wherever)  the day before.

_________________________________________________________________________________________________

What you describe through eBay is essentially what I mentioned has been done on another site for some time now, except that credit card payments go through the site's own processing directly to my bank account (it usually takes 3 or 4 days for the deposit to process).  I did have to "opt in" to that procedure to offer it as a seller there.  In addition, I offer Paypal which works just as it does here -- payments go immediately to my PP account. 

Knowing my usual sort of buyers as I do, I see no reason not to offer credit card payments.  Yet I'm still under the impression this is a change from past eBay options.  Am I finally losing my sharp, youthful recall?  I hope not.  

Maybe somebody who has been around on eBay as long as I have will remember specifically.  That's the trouble with being on this site so long -- you tend to continue using the same procedures not knowing that there has been an update or improvement unless somebody else happens to mention it.  Then there is the challenge of trying to keep up with the mobile crowd, another matter entirely! 

[i.am.vivian]

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rose-dee wrote:

are you saying that this is not something the seller has to specify when preparing a listing?  Somehow I thought it was, so I've never paid any attention to the payment options

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Not exactly.  You specify it in your BUYER REQUIREMENTS, same as blocking people with UIs in the last 6 months etc.  What you do, or DON'T DO, is to block people who don't have a PayPal account.  Here is the eBay page:

http://pages.ebay.ca/help/sell/manage_bidders_ov.html#set

Whether or not you check off the "I prefer PayPal" box in the pyt prefs is neither here nor there. 

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rose-dee wrote:

Knowing my usual sort of buyers as I do, I see no reason not to offer credit card payments.  Yet I'm still under the impression this is a change from past eBay options.  

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Just to make sure we are on the same page,  YOU the seller do not "offer" credit card payments.  What you do (or don't do) as a seller is block people who do not have PP accounts.  If you do NOT block people with no PP acc, then all the credit card users can buy from you.  They do it at the checkout by clicking that card icon thing in the earlier post.  If you do block, well, they go somewhere else instead.  No choice if you won't sell to them. 

The point is, a seller is not "offering" anything, but deciding not to block. 

Its been that way as long as I can remember it being an option to block them in the first place.  But depending how far back you want to go, Once upon a time there was no such thing as PayPal.   🙂

[zee-chan-jpn-books]

Just chipping in my two cents. i didn't make any adjustments to my blocks and settings etc since maybe 3-5 years ago. I have the blocks set to the strictest (only 2 unpaid cases in 12 months, paypal only) etc, because when I first started selling I'm a student hoping to get a little bit more allowance and can't afford to lose much. Now I work full time and eBay is an established hobby that doesn't require too much extra time investment so the only thing I do is add the occasional new listings, and play around between auction / fixed priced dependent on the promo offered with the same books I sell. I decided to leave my current settings alone since they've been working fine.

I never had IPR set because I'm perfectly happy with payment within 7 days. I usually can't ship within two days anyway so there is no reason for me to require immediate payment. If I'm super busy with work I message my buyers and ask if I could ship a few days later and most have been very understanding and were fine with waiting a bit longer (I then include little gifts as thanks). Last week I was testing waters with auction and I sold two books to a buyer who bought with buy-it-now (30% higher than starting bid) and then won four more books at starting bid two days later. Then I sent a combined invoice for all six books with shipping discount applied, and buyer paid the next day as one payment so it was nice, instead of having PP charge $0.30 fixed fee for each book.

On my Buyer Requirements Activity Log I don't think I have seen buyers blocked because they don't have PP, I have seen blocks because of unpaid cases, and it was obvious that someone then made a new account to bypass the block to buy, well bottom line is I'm paid so I'm cool with that lol. I only want PP and not money order etc because that'd require extra effort on my end to get paid. I work mostly graveyard shifts so I actually rarely go to the post office myself; I have a family member mail things for me (sticky note with instructions on all my packages) and for money order I'd need to go in person so that'd be difficult. 

As for Paypal credit card payment / points system, if you pay via credit card you still get points / cash back etc as you normally would with everything else (grocery, parking, gas etc). Sometimes when I want to buy something with credit card but not Paypal balance ( because cash back), I pay with credit card with Paypal guest account, because if I'm logged in PP will force me to pay with balance by default. Note that I haven't tried that with buying from eBay so I don't know if that works. But I do believe that merchants receiving payment via PP gets the same amount paid (same fees deducted) regardless of whether I pay with balance or credit card.

i haven't had to file any unpaid cases the past two years.

[musicyouneed]

Hi,

How would I know if they paid by some other CC than paypal, it would both end up in my paypal account?

[zee-chan-jpn-books]

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@musicyouneed wrote:

Hi,

How would I know if they paid by some other CC than paypal, it would both end up in my paypal account?

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I believe you wouldn't know. The payment should show up the same in your PP account. 

[recped]

Yet I'm still under the impression this is a change from past eBay options.  Am I finally losing my sharp, youthful recall?  I hope not.  

It's a change, started after the split with PayPal. eBay is obligated to process 80% of their payments through PayPal until July 2020, at that point they can do whatever they want, add other payment services and/or send their credit card business elsewhere if they can get a better deal.

[i.am.vivian]

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@recped wrote:

It's a change, started after the split with PayPal.

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The split with PayPal?  That was in 2015.  Buyers have been able to shop with just credit cards at the checkout, and sellers have been blocking non-PP acc holders, long before that.  Years & years.  Maybe since it started. 

I must have misunderstood you. ?

[recped]

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@i.am.vivian wrote:

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@recped wrote:

It's a change, started after the split with PayPal.

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The split with PayPal?  That was in 2015.  Buyers have been able to shop with just credit cards at the checkout, and sellers have been blocking non-PP acc holders, long before that.  Years & years.  Maybe since it started. 

I must have misunderstood you. ?

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Yes, the option to require pp accounts has been around forever. Personally up until last year I was not seeing the easy credit card option in checkout. Prior to that it seemed eBay would always steer you over to PayPal where it probably was also possible to pay without opening an account but the idea was to get new users registered and using pp. Going forward that's no longer in eBay's interest to the same extent.

But back to the original topic, generally speaking it's not a great idea to block buyers without a pp account unless you are selling high risk scammer bait.

[i.am.vivian]

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@recped wrote:

Yes, the option to require pp accounts has been around forever. Personally up until last year I was not seeing the easy credit card option in checkout. Prior to that it seemed eBay would always steer you over to PayPal where it probably was also possible to pay without opening an account but the idea was to get new users registered and using pp. Going forward that's no longer in eBay's interest to the same extent.

But back to the original topic, generally speaking it's not a great idea to block buyers without a pp account unless you are selling high risk scammer bait.

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They've changed the "look" of the checkout several times that I know of, but the choice for card users was always there.  Just before this most recent one, the card choice was on top.  Now its underneath.  Used to be all on the right, now its on the left.  Can't seem to make up their minds.   Used to be 2 pages too, now its all done on the one.  It does seem less "tricky" now with this last change than it had been, plainer or more straight-forward, but I've never know there not to be a choice.  I've never understood why eBay would care.  A sale is a sale.  I'll take mine any way I can get it, I'm not fussy at all.  🙂