4 ms·

Here is another example of how PayPal is a bit shady: Sign into PayPal to send money. If you have a credit card as a payment method and a bank account as a pay

Here is another example of how PayPal is a bit shady: Sign into PayPal to send money. If you have a credit card as a payment method and a bank account as a payment method, PayPal will auto select your bank account. That's fine, except when you change your payment method from the default bank account to your credit card. A confirmation page comes up and tries to change your selection back to your bank account. There are two options: Use Bank Account / Use Credit Card. These options are randomly changed back and forth to confuse the user. Even the highlighting of these to option (which one is yellow) is randomized to make you accidently select the Bank Account option.

christonog 16y ago
Yes! I mainly use my credit card for everything online, including paypal, and that trick does get me on some occasions when I'm not paying close attention. It's probably a cost saving measure as credit cards most likely cost more to transact with than bank accounts.
- oasisbob 16y ago
  Indeed. ACH processing is dirt cheap. I also wouldn't be surprised if the terms of ACH transactions are more favorable to PayPal than those of MasterCard/VISA. The ACH system has very strict rules guaranteeing payments once they clear the network, as opposed to the more consumer friendly rules that the card networks offer. ACH, afterall, is meant to be used by financial institutions that know exactly what they're doing.
fuzzythinker 16y ago
Based on your description, your use of "a bit" is too generous.
Pistos2 16y ago
I recently sent a payment from my Paypal account to someone else's. I thought I specified that the payment should be taken out of the credit card source, and not the bank account source. I saw a success page, closed my browser tab, and thought nothing more of it. Later, I received an email indicating that the recent payment I made "failed" to get funded by the bank account, and that the credit card was used as a fallback.

christonog 16y ago

Yes! I mainly use my credit card for everything online, including paypal, and that trick does get me on some occasions when I'm not paying close attention. It's probably a cost saving measure as credit cards most likely cost more to transact with than bank accounts.

oasisbob 16y ago
Indeed. ACH processing is dirt cheap. I also wouldn't be surprised if the terms of ACH transactions are more favorable to PayPal than those of MasterCard/VISA. The ACH system has very strict rules guaranteeing payments once they clear the network, as opposed to the more consumer friendly rules that the card networks offer. ACH, afterall, is meant to be used by financial institutions that know exactly what they're doing.

fuzzythinker 16y ago

Based on your description, your use of "a bit" is too generous.

Pistos2 16y ago

I recently sent a payment from my Paypal account to someone else's. I thought I specified that the payment should be taken out of the credit card source, and not the bank account source. I saw a success page, closed my browser tab, and thought nothing more of it. Later, I received an email indicating that the recent payment I made "failed" to get funded by the bank account, and that the credit card was used as a fallback.