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>Really? I certainly wouldn't. I have recourse with American Express. When I pay with Paypal I have recourse with both Paypal AND my credit card. It doesn't re

by ergo98 16y ago

>Really? I certainly wouldn't. I have recourse with American Express. When I pay with Paypal I have recourse with both Paypal AND my credit card. It doesn't remove that right. >Paypal, on the other hand, flagged a transaction as potentially fraudulent simply because I had the purchase shipped to my workplace Why is the fact that it's a well known Bay Area address of any significance at all? Paypal demands that shipped items only go to the address on record for the account. That seems pretty logical and of obvious value.

mey 16y ago
Not if you pay with Paypal through it connecting directly to your bank account.
jemfinch 16y ago
> Why is the fact that it's a well known Bay Area address of any significance at all? Which do you think seems more fraudulent? This address: 1600 Amphitheatre Pkwy, Mountain View, CA 94043 Or this one? Hospital Road, P.M.B. 2155 Kaduna, Nigeria Which address do you think is more likely to be used for fraud? > Paypal demands that shipped items only go to the address on record for the account. That seems pretty logical and of obvious value. An obvious negative value, sure. I've shipped to at least 9 different addresses on Amazon. Sometimes I'm not buying things for myself. Sometimes I'm not at home and want it to get shipped to me at a hotel. Oddly, Amazon has no problem with this (maybe because they're indemnified against fraud losses by the CC company, as I noted elsewhere). But try to ship something anywhere but your recorded home address with Paypal and you have to jump through a ridiculous number of hoops. It's not logical at all.
- tedunangst 16y ago
  Sounds like you have an idea for a new business. Build a database of fraudulent and non-fraudulent addresses, then sell it to paypal.
- ergo98 16y ago
  "Which do you think seems more fraudulent?" Any corporate destination for personal purchases looks more fraudulent than any home address. Home addresses -- most notably the one correlated with the account -- have easy traceability. A package being delivered into the bowels of a place with thousands of employees, not so much. I'm quite glad that any paypal purchases made on my account can only be delivered to my home address. Seems pretty logical to me. "Oddly, Amazon has no problem with this" Amazon is the seller. They take the risks because they have a large-margin product that they are selling you. PayPal is a very small margin payment facilitator. Your comparison is not at all valid, and borders on ridiculous. "maybe because they're indemnified against fraud losses by the CC company" This is absolutely wrong. The CC company bears absolutely no burden for fraud beyond the administrative hassle, and it is wholly on the merchant's backs. Merchants have to follow the prescribed rules (e.g. taking a CCV number) or they lose their merchant account, or they fall into a tiered bin where they pay much higher rates.
  - jemfinch 16y ago
    > The CC company bears absolutely no burden for fraud beyond the administrative hassle, and it is wholly on the merchant's backs. I've done some research, and I was misinformed on that point.

by ergo98 16y ago

mey 16y ago

Not if you pay with Paypal through it connecting directly to your bank account.

jemfinch 16y ago

> Why is the fact that it's a well known Bay Area address of any significance at all? Which do you think seems more fraudulent? This address: 1600 Amphitheatre Pkwy, Mountain View, CA 94043 Or this one? Hospital Road, P.M.B. 2155 Kaduna, Nigeria Which address do you think is more likely to be used for fraud? > Paypal demands that shipped items only go to the address on record for the account. That seems pretty logical and of obvious value. An obvious negative value, sure. I've shipped to at least 9 different addresses on Amazon. Sometimes I'm not buying things for myself. Sometimes I'm not at home and want it to get shipped to me at a hotel. Oddly, Amazon has no problem with this (maybe because they're indemnified against fraud losses by the CC company, as I noted elsewhere). But try to ship something anywhere but your recorded home address with Paypal and you have to jump through a ridiculous number of hoops. It's not logical at all.

tedunangst 16y ago
Sounds like you have an idea for a new business. Build a database of fraudulent and non-fraudulent addresses, then sell it to paypal.
ergo98 16y ago
"Which do you think seems more fraudulent?" Any corporate destination for personal purchases looks more fraudulent than any home address. Home addresses -- most notably the one correlated with the account -- have easy traceability. A package being delivered into the bowels of a place with thousands of employees, not so much. I'm quite glad that any paypal purchases made on my account can only be delivered to my home address. Seems pretty logical to me. "Oddly, Amazon has no problem with this" Amazon is the seller. They take the risks because they have a large-margin product that they are selling you. PayPal is a very small margin payment facilitator. Your comparison is not at all valid, and borders on ridiculous. "maybe because they're indemnified against fraud losses by the CC company" This is absolutely wrong. The CC company bears absolutely no burden for fraud beyond the administrative hassle, and it is wholly on the merchant's backs. Merchants have to follow the prescribed rules (e.g. taking a CCV number) or they lose their merchant account, or they fall into a tiered bin where they pay much higher rates.
- jemfinch 16y ago
  > The CC company bears absolutely no burden for fraud beyond the administrative hassle, and it is wholly on the merchant's backs. I've done some research, and I was misinformed on that point.