4 ms·

Why would you submit yourself to using PayPal when you don't have to? Serious question.

by ThePowerOfFuet 3y ago

IshKebab 3y ago
It's quicker than entering your credit card details and address again and again.
- pertique 3y ago
  If you use a password manager (which they say they do) it's much quicker to just save that info and automatically populate it. Doubly so considering the MFA hell they went through.
  - zamadatix 3y ago
    Too many sites have broken forms. Sure, you can have the card autofilled but maybe it doesn't trigger the autofill for the address or maybe that wasn't even loaded yet. Maybe you can just click there and have it auto-fill but they can be so broken it doesn't autofill completely or fills wrong. Some sites are smart enough to have a checkbox for "shipping address is the same as billing" and others aren't. When you use a 3rd party payment provider like PayPal it does a really good job of forcing all of this to be automatic compared to things trying to autofill custom forms just because it's integrated by the site instead of the user. MFA hell is starting to erode that actually being easier though and now there is more and more often no simple approach left.
    - hot_gril 3y ago
      Yeah, CC autofill is nice but fails about 1/4 of the time. It doesn't include the security code either. A few sites will also have finicky inputs, like accepting spaces but rejecting the payment if you use them. Still, PayPal is an absolute last resort for me.
- inhumantsar 3y ago
  it's also convenient for managing subscriptions
makeitdouble 3y ago
Up until not so long ago that was the easiest "payment wallet" to have around. Want to have charges go direct to your bank for 2 weeks ? you move it up on the list. Want to try a new card but are not sure you'll keep using it ? add to the wallet and move up or down depending on how much you want to use it. And it also managed subscriptions. It is now a steaming pile of garbage for so many reasons, and it has always been a death trap for any small merchant, but they gave a fairly good shot at the wallet side of things. Good luck getting Nintendo for instance trust any other third party wallet system.
pc86 3y ago
PayPal is my first choice and if I go to check out on your store and you don't have PayPal as an option, the chances I abandon my cart if I don't have my wallet just went up exponentially. I use it as a buffer between me and the provider. Everything goes through a credit card so I still get the points/miles I would get entering the card directly. Except now they don't have a credit card token they can keep charging forever. They have a PayPal token that I can log into PayPal and immediately revoke, asynchronously, without involving the merchant or my credit card at all. I don't need to worry about my details still being with that merchant. I don't have to worry about the merchant's convolution and likely-illegal cancellation process. The only negative I can think of is that any dispute has to go through PayPal, and while I've never done it I would bet money they are going to be skewed more in the merchant's favor than the credit card company. But that being said I have had fully legitimate chargebacks (as in not "I want a refund and they said no" but "this is a fraudulent charge I never agreed to") get denied and reversed by Discover so that's not a 100% certainty either. I never receive money through PayPal so while I've read all the same horror stories everyone else has, that doesn't seem likely to affect me. My biggest gripe is the full-screen advertisement for whatever service they're pushing every time you log in on the website.
- upon_drumhead 3y ago
  Privacy[.]com replaced my PayPal usage pretty much completely. Virtual credit cards tied to individual merchants with limits.
  - pc86 3y ago
    And tied to a direct back account, requiring you to use cash and lose any CC benefits. I use Privacy for things I know I only want to charge once (e.g. $1 trials or things of that nature) but not being able to charge a CC with Privacy is a bit blocker most of the time.
    - upon_drumhead 3y ago
      Sure, but I don’t get rewards with PayPal, so it’s a non issue? Or you are saying it’s not worth reducing your usage of PayPal unless you get rewards?
j45 3y ago
PayPal is used by a lot more people than most think to buy. First it can pay directly from a bank account. Second a lot of countries don’t have many options other than PayPal.
cowl 3y ago
Because I don't want to give the credit card details to every site out there. And Because the Resolution Center works wanders with merchants who are not being forthcoming to resolve your problems. I once had an issue that a merchant had delivered less than half of the items that I had ordered, i contacted them and they requested (after 2 days) Proof that I had not received the items. I could only produce the photo of the opened package which was clearly too small to contain everything they were supposed to deliver and the weight in the package label that clearly was too little for everything I was supposed to get. They tried to stall asking proof that i had not received a second package with the rest of the missing items.(How can you prove a negative? I got fed up and opened a refund ticket with paypal describing the problems and within 30 min the merchant contacted me promising to send the missing items and refund 20% of the cost if i closed the ticket in paypal.
- navigate8310 3y ago
  Did you do what merchant said? Is it still okay to trust the merchant and lose your only hope with PayPal once you click the resolved button?
  - cowl 3y ago
    No I asked the merchant to commit to resend the missing items inside the resolution center and resolved the issue only after the items arrived. The aim is not "profit" but to get the deserved attention and bypass clear stalling tactics like having to prove a negative. Needles to say that I Did not ever use that merchant again.
hot_gril 3y ago
Sometimes there's no choice, usually for international purchases. eBay used to also prefer PayPal somehow, idk how it is now. I know that some Etsy sellers are PayPal-only.
- rootusrootus 3y ago
  > eBay used to also prefer PayPal somehow They owned PayPal for a while, so it was heavily promoted. It's still their first choice AFAICT.
  - hot_gril 3y ago
    There's that, and also I remember some sellers were PayPal-only or at least preferred it back in the day, but that's not a thing anymore.

Why would you submit yourself to using PayPal when you don't have to? Serious question.

IshKebab 3y ago

It's quicker than entering your credit card details and address again and again.

pertique 3y ago
If you use a password manager (which they say they do) it's much quicker to just save that info and automatically populate it. Doubly so considering the MFA hell they went through.
- zamadatix 3y ago
  Too many sites have broken forms. Sure, you can have the card autofilled but maybe it doesn't trigger the autofill for the address or maybe that wasn't even loaded yet. Maybe you can just click there and have it auto-fill but they can be so broken it doesn't autofill completely or fills wrong. Some sites are smart enough to have a checkbox for "shipping address is the same as billing" and others aren't. When you use a 3rd party payment provider like PayPal it does a really good job of forcing all of this to be automatic compared to things trying to autofill custom forms just because it's integrated by the site instead of the user. MFA hell is starting to erode that actually being easier though and now there is more and more often no simple approach left.
  - hot_gril 3y ago
    Yeah, CC autofill is nice but fails about 1/4 of the time. It doesn't include the security code either. A few sites will also have finicky inputs, like accepting spaces but rejecting the payment if you use them. Still, PayPal is an absolute last resort for me.
inhumantsar 3y ago
it's also convenient for managing subscriptions

makeitdouble 3y ago

Up until not so long ago that was the easiest "payment wallet" to have around. Want to have charges go direct to your bank for 2 weeks ? you move it up on the list. Want to try a new card but are not sure you'll keep using it ? add to the wallet and move up or down depending on how much you want to use it. And it also managed subscriptions. It is now a steaming pile of garbage for so many reasons, and it has always been a death trap for any small merchant, but they gave a fairly good shot at the wallet side of things. Good luck getting Nintendo for instance trust any other third party wallet system.

pc86 3y ago

PayPal is my first choice and if I go to check out on your store and you don't have PayPal as an option, the chances I abandon my cart if I don't have my wallet just went up exponentially. I use it as a buffer between me and the provider. Everything goes through a credit card so I still get the points/miles I would get entering the card directly. Except now they don't have a credit card token they can keep charging forever. They have a PayPal token that I can log into PayPal and immediately revoke, asynchronously, without involving the merchant or my credit card at all. I don't need to worry about my details still being with that merchant. I don't have to worry about the merchant's convolution and likely-illegal cancellation process. The only negative I can think of is that any dispute has to go through PayPal, and while I've never done it I would bet money they are going to be skewed more in the merchant's favor than the credit card company. But that being said I have had fully legitimate chargebacks (as in not "I want a refund and they said no" but "this is a fraudulent charge I never agreed to") get denied and reversed by Discover so that's not a 100% certainty either. I never receive money through PayPal so while I've read all the same horror stories everyone else has, that doesn't seem likely to affect me. My biggest gripe is the full-screen advertisement for whatever service they're pushing every time you log in on the website.

upon_drumhead 3y ago
Privacy[.]com replaced my PayPal usage pretty much completely. Virtual credit cards tied to individual merchants with limits.
- pc86 3y ago
  And tied to a direct back account, requiring you to use cash and lose any CC benefits. I use Privacy for things I know I only want to charge once (e.g. $1 trials or things of that nature) but not being able to charge a CC with Privacy is a bit blocker most of the time.
  - upon_drumhead 3y ago
    Sure, but I don’t get rewards with PayPal, so it’s a non issue? Or you are saying it’s not worth reducing your usage of PayPal unless you get rewards?

j45 3y ago

PayPal is used by a lot more people than most think to buy. First it can pay directly from a bank account. Second a lot of countries don’t have many options other than PayPal.

cowl 3y ago

Because I don't want to give the credit card details to every site out there. And Because the Resolution Center works wanders with merchants who are not being forthcoming to resolve your problems. I once had an issue that a merchant had delivered less than half of the items that I had ordered, i contacted them and they requested (after 2 days) Proof that I had not received the items. I could only produce the photo of the opened package which was clearly too small to contain everything they were supposed to deliver and the weight in the package label that clearly was too little for everything I was supposed to get. They tried to stall asking proof that i had not received a second package with the rest of the missing items.(How can you prove a negative? I got fed up and opened a refund ticket with paypal describing the problems and within 30 min the merchant contacted me promising to send the missing items and refund 20% of the cost if i closed the ticket in paypal.

navigate8310 3y ago
Did you do what merchant said? Is it still okay to trust the merchant and lose your only hope with PayPal once you click the resolved button?
- cowl 3y ago
  No I asked the merchant to commit to resend the missing items inside the resolution center and resolved the issue only after the items arrived. The aim is not "profit" but to get the deserved attention and bypass clear stalling tactics like having to prove a negative. Needles to say that I Did not ever use that merchant again.

hot_gril 3y ago

Sometimes there's no choice, usually for international purchases. eBay used to also prefer PayPal somehow, idk how it is now. I know that some Etsy sellers are PayPal-only.

rootusrootus 3y ago
> eBay used to also prefer PayPal somehow They owned PayPal for a while, so it was heavily promoted. It's still their first choice AFAICT.
- hot_gril 3y ago
  There's that, and also I remember some sellers were PayPal-only or at least preferred it back in the day, but that's not a thing anymore.