11-26-2016 07:23 PM
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?
11-28-2016 01:19 PM
@i.am.vivian wrote: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. 🙂
I feel as if I'm becoming demented. I'm certain the checkout options weren't this way until fairly recently, but how recently I can't recall now. I thought I recalled at some point in the past a merchant account being necessary in order to process credit card payments on eBay (which is why I didn't bother). Am I just dreaming that I noticed a difference from a few years ago? If not, I really wish eBay would notify sellers on the Announcement board (or somewhere else) when changes are made to a significant area of the site.
Oh well, no matter, I'm just going to remove my PP block and presumably that will do the trick. Thanks for the update!
11-28-2016 01:24 PM
@i.am.vivian wrote:They've changed the "look" of the checkout several times that I know of, but the choice for card users was always there.
Yes, that's quite right, and has been the case as far back as I can remember on eBay (more than 10 years).
But what I was getting at was that something is telling me the process for the seller used to be different, not as simple as just not blocking non-PP account holders. I could be wrong, as I said, maybe dementia is setting in.
11-28-2016 01:55 PM
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:
http://pages.ebay.ca/help/buy/buying-as-guest.html
You can buy some items without registering as an eBay member, by using Buy It Now, and you can see your order details by following the link in your confirmation email. On the order details page you can see your purchased items, shipping status, and tracking numbers, return an item or report that you didn't receive an item.
How it works
You can buy without an eBay account if the following conditions are met:
* The price of the item is less than $2,000.
* The seller has a Feedback score of 50 or higher and a positive rating of 98% or better.
* You purchase the item using Buy It Now.
* You pay for the item using PayPal or a credit card
If you decide to register when buying your item, it's easy – just choose a password at the end of the checkout process.
http://ocsnext.ebay.com/ocs/sr?query=3253
Here's what we found for "Paying through PayPal guest checkout"
Sometimes when you pay for an item with a credit card, you'll go through PayPal guest checkout.
If your payment was processed by PayPal, your order is covered by the eBay Money Back Guarantee and PayPal Purchase Protection. However, if you have an issue and need to open a case, you'll need to sign up for a PayPal account and use the same email and credit card so you can view your PayPal guest purchases.
If you receive an error, it may be because your credit card is already linked to an account. For your security, a card can only be linked to one PayPal account. You'll need to log in to the associated PayPal account or choose another card.
For more help setting up or accessing your PayPal account, contact PayPal.
Also, your own statement that you sometimes buy with a PayPal guest account further reduces the argument for blocking buyers without a PayPal account (a guest account not being the same as a verified PayPal account), since a determined buyer will buy as a guest, and a buyer with less patience will just move on and buy elsewhere.
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.
11-28-2016 02:06 PM
Well, because I really thought I was losing my marbles, I thought I'd do a quick search on the Discussion Boards for "merchant account". Sure enough, there were a lot of discussions years ago about how an eBay seller (some with their own websites as well) could offer credit card payments to buyers on eBay who did not want to use Paypal. At the time, if I remember, it was either Paypal or one of the other less convenient methods of payment that sellers had available to them.
Here is one thread, for anybody interested (yes, from 2005, seems eons ago on eBay -- I didn't happen to search more recent results):
See posts 21, 26 and 40 of that thread which talk about options available to be able to offer customers payment by credit card. This was at a time when Paypal was not as developed as it is now. Of course, even back then, buyers could attach their credit card to Paypal and pay that way with their credit card, but what I recall is that credit card payment wasn't available directly off the eBay site unless a seller specifically set it up with a merchant account.
Not that any of this matters now, but if nothing else it's interesting to see how much has changed over the years. There's no question that payment options have become easier and better for buyers and sellers.
Actually, a few months ago I bought a flowering shrub from a local nursery and I was amazed at the payment process. She handed me a little electronic gizmo/mini-laptop sort of thing, I flashed my credit card over it, and presto -- paid, with receipt printed out on their ordinary inkjet printer. Soon we'll all be paying with digital credits processed by embedded chips in our wrists.
11-28-2016 02:13 PM
rose-dee wrote:
I thought I recalled at some point in the past a merchant account being necessary in order to process credit card payments on eBay (which is why I didn't bother).
More likely you are confusing it with old members who continually said this mistake over and over on the boards, whether because they were trying to get guest users to sign up for PayPal or were simply wrong, it doesn't matter. EBay policy never said people can't ever buy on here without a PP account. When it comes to anything financial and your money if you take all your information from other users who are no better or smarter than you, well, you see the result. Look into things for yourself.
Now that you would like to change that, as the Nike commercials say, "Just do it". 🙂
11-28-2016 02:19 PM
@rose-dee wrote:Well, because I really thought I was losing my marbles, I thought I'd do a quick search on the Discussion Boards for "merchant account". Sure enough, there were a lot of discussions years ago about how an eBay seller (some with their own websites as well) could offer credit card payments to buyers on eBay who did not want to use Paypal. At the time, if I remember, it was either Paypal or one of the other less convenient methods of payment that sellers had available to them.
Here is one thread, for anybody interested (yes, from 2005,
OK I wasn't here 11 years ago. But you're going to continue to live with financial "information" from other members and do so for all eternity based on old posts from over a decade?? Up to you.
Since you obviously have the time today, maybe go into your Account settings and check that everything there is the way you want it. I don't get the eBay spam that you claim to so maybe you haven't kept up with that either.
11-28-2016 02:23 PM
I came across this on .com and I don't know whether it provides very many answers but just shows how confusing the whole thing is for buyers too.
11-28-2016 02:34 PM
@i.am.vivian wrote:
rose-dee wrote: I thought I recalled at some point in the past a merchant account being necessary in order to process credit card payments on eBay (which is why I didn't bother).More likely you are confusing it with old members who continually said this mistake over and over on the boards, whether because they were trying to get guest users to sign up for PayPal or were simply wrong, it doesn't matter. EBay policy never said people can't ever buy on here without a PP account.________________________________________________________________________________I think you misunderstood what I was saying. I am aware, and have always known, that eBay has never required a Paypal account to buy here, that was never the question.What I meant was that at one time I'm certain credit card payments couldn't be made directly off the eBay site unless an eBay seller had an outside merchant account.Now, for a time years ago Paypal, along with a lot of other outside financial service providers, offered its own merchant account services for credit card processing (at a fee of course), but this was long before it improved and integrated its services. For the past few years, I simply carried on with the understanding that a merchant account was still necessary for taking credit card payments on eBay, so I've never really paid attention to the way the eBay/Paypal payment flow had changed.The fact that I found so many old threads on the subject of how a seller could get a merchant account in order to be able to offer credit card payments on eBay tells me there has indeed been a change -- when that happened, I really don't know.Anyway, it seems eBay updated and streamlined its payment processing options at some point in the last 4 years and I had no idea. I do now.
11-28-2016 02:47 PM
@musicyouneed wrote:I came across this on .com and I don't know whether it provides very many answers but just shows how confusing the whole thing is for buyers too.
It is confusing for everyone in large part because eBay keeps changing the look of everything. This buyer seems only to want a different view to pay from but different sites have different views so a lot depends on what they buy and from where. In Europe the checkout includes offers for bank transfers and checks (if the seller takes those) but they never exist on Canada. The top view shows a USD purchase from .com and the 2nd version shows the UK£ site checkout in.
I don't really see what the issue is since all there is to do is click PAY NOW and its paid. They're using a PP account. In the top version (the wanted one) the buyer would click PAY. But same in the 2nd one. The buyer clicks CONFIRM AND PAY but if they first want to use something other than the Visa they click "change".
Its just a different look. Same eBay checkout and each will do exactly the same thing. I don't see the problem but I do understand how people don't like change.
11-28-2016 02:58 PM
@i.am.vivian wrote:
OK I wasn't here 11 years ago. But you're going to continue to live with financial "information" from other members and do so for all eternity based on old posts from over a decade?? Up to you.
No, no, this isn't what I meant at all. I just didn't realize there had been a change, and was curious to see if my recall of how things were a few years ago was accurate or not. Mostly to be sure that I actually wasn't losing my marbles. That's fine, that's all I wanted to see. I have no desire to follow old information for eternity, believe me. I'm happy this change came to my attention! I just wish eBay would alert sellers to such changes.
Since you obviously have the time today, maybe go into your Account settings and check that everything there is the way you want it. I don't get the eBay spam that you claim to so maybe you haven't kept up with that either.
It seems every time I purchase something on eBay, I get a new flurry of unwanted material. I don't want to block promotional emails from eBay altogether or I'd miss the ones I may want to see for my selling ID. (I don't actually have a lot of time today, but this topic was very interesting, so I'm neglecting other things I really should be doing).
11-28-2016 03:20 PM
Others having more problems with checking out.
11-28-2016 04:23 PM
Here is more, this is a problem all around. I think some clarification from ebay is required.
11-28-2016 04:45 PM - last edited on 11-28-2016 05:36 PM by lizzier-ca
I was just replying to your post when I got taken back to the thread itself -- not sure what happened there.
@i.am.vivian wrote:
@rose-dee wrote:For the past few years, I simply carried on with the understanding that a merchant account was still necessary for taking credit card payments on eBay, so I've never really paid attention to the way the eBay/Paypal payment flow had changed
@rose-dee wrote:The fact that I found so many old threads on the subject of how a seller could get a merchant account in order to be able to offer credit card payments on eBay tells me there has indeed been a change -- when that happened, I really don't know.
______________________________________________________________________________________________
Goodness, I don't understand this. I thought we were having a good discussion on a very interesting topic. You have truly taken me all wrong and misinterpreted my meaning and motives, believe me.
By the by, it really only took about 5 minutes to do a quick search and find those old threads. I wasn't trying to prove anything to anyone except myself, mostly to be sure I wasn't dreaming. I was actually amused to find out I'd been behind the times without realizing it, and grateful to you for having mentioned it.
I don't think it's fair to say I was being a fool, just not up to date. A fool finds out about something beneficial and does nothing about it. As a result of this thread, I'm definitely going to remove my "no-Paypal/no-purchase" block.
Honestly, so many things are quietly and constantly changed in the background on eBay, without any notice, aren't they? How can any one person keep up with every alteration that occurs? We tend to focus on what we think is most important for our businesses, or what is most obviously a problem. This particular thing had just never attracted my attention, but it has now.
It makes me think of the time our grocery store re-arranged some items without changing the signs in the aisles to let people know. I spent months thinking one of my favourite products had been discontinued until I saw someone with it in their cart one day! This is why these discussion boards are so useful.
I was actually having some fun seeing just how out of touch I was with current checkout realities, and how far back it went. I suppose I've been so focused on the "cart disconnect" problem for the past couple of years -- which seemed such a huge issue for us Canadian sellers -- that I hadn't bothered to look at other things that appeared to be still working. That's the thing on eBay. Unless an issue is brought to your attention as a seller because something has gone wrong, you'd probably never know.
So really, I sincerely mean it, thank you so much for bringing this point up!
And, yes, you're right, I've been spending far too much of my time on the boards lately. I used to try to limit it to an hour a day most mornings, but because I'm a fairly fast typist I can chat away at speed and tend to forget how much time has passed.
11-28-2016 05:07 PM
@musicyouneed wrote:Here is more, this is a problem all around. I think some clarification from ebay is required.
It sounds as if the OP on that thread encountered a seller who was blocking anyone without a Paypal account, not that eBay doesn't provide a method to permit direct credit card payments. When the buyer attempted to pay using the credit card "button", it makes sense that he would have seen the message he reported.
This is a cautionary tale for sellers who have blocked anyone without a Paypal account. For one thing, if a buyer in the situation of the OP in that thread doesn't make direct contact, the seller will never know there was a problem (except perhaps for the blocked bidder activity log that would have recorded the attempt).
Now, I suppose if you remove the block you may occasionally get buyers who want to pay by methods other than credit card or Paypal, which is probably mostly just fine, even if rare these days. As sellers we just have to be prepared to make sure eBay policy doesn't thwart our attempts to accommodate our buyers. With all of its automated payment reminders and policy on refunds, returns, etc., eBay really isn't ideally set up to deal with the "old-fashioned" payment methods anymore.
11-28-2016 05:10 PM
Honestly, so many things are quietly and constantly changed in the background on eBay, without any notice, aren't they? How can any one person keep up with every alteration that occurs? We tend to focus on what we think is most important for our businesses, or what is most obviously a problem. This particular thing had just never attracted my attention, but it has now.
It makes me think of the time our grocery store re-arranged some items without changing the signs in the aisles to let people know. I spent months thinking one of my favourite products had been discontinued until I saw someone with it in their cart one day! This is why these discussion boards are so useful.
I was actually having some fun seeing just how out of touch I was with current checkout realities, and how far back it went. I suppose I've been so focused on the "cart disconnect" problem for the past couple of years -- which seemed such a huge issue for us Canadian sellers -- that I hadn't bothered to look at other things that appeared to be still working. That's the thing on eBay. Unless an issue is brought to your attention as a seller because something has gone wrong, you'd probably never know.
I love these boards because I have learned so much from everyone. I agree with rose-dee's statements above that unless we bring it out to someones attention, we might not know about it. I post things when I don't understand and hope that someone else has been there and done that. Like finding the grocery item that has moved.
Posters should not take offence to what others have written and others not make statements about posters who might not share the same views. It discourages people from posting. We are all here for the same thing, trying to sell on ebay. Ebay has changed and not kept buyers or sellers up to date. We all want to help each other, so lets keep that in mind.
11-28-2016 05:32 PM
I'm confused lol. Regardless of any changes eBay has made over the years, unchecking the PayPal required button wont do anything different than had you unchecked it years ago. I have been selling since 2006 or 07 and don't ever remember having blocking buyers without a PayPal account. I don't know what the original purpose for the block was but even though I didn't use it, no one has expected me to accept credit cards with ny own merchant account.
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.
11-28-2016 06:50 PM
@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.
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.
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. |
11-28-2016 09:08 PM
@rose-dee wrote:I was just replying to your post when I got taken back to the thread itself -- not sure what happened there.
Goodness, I don't understand this. I thought we were having a good discussion on a very interesting topic.
For a minute there so did I, for what its worth. But then along comes The Reporter. 😉
11-28-2016 10:03 PM
@musicyouneed wrote:How would I know if they paid by some other CC than paypal, it would both end up in my paypal account?
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.
11-28-2016 10:16 PM
@musicyouneed wrote:
@musicyouneed wrote:How would I know if they paid by some other CC than paypal, it would both end up in my paypal account?
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.
Does it matter?