Can't Charge Extra For Pay Pal Credit Card Fee

[ussexplorer]

Normally I would agree on this. But, if they are going to charge you a fee. Then you should be entitled to make that fee up. That the comsumer should decide weither they want to use their credit/debit card. Business have the right to charge additional charges for credit/debit card use outside ebay. So now I'm going to have to suffer some more since the seller decided to accept paypal payments and jack their price up to compensate no matter if I send a money order or not.

 

Thanks Alot E-Hell,

 

Josh

[MrRetroGamer]

So now I'm going to have to suffer some more since the seller decided to accept paypal payments and jack their price up to compensate no matter if I send a money order or not.

 

Um, you have a CHOICE as to whether you want to do business with the seller or not. If they have jacked-up fees or shipping charges that you feel are not fair, look elsewhere.

[JerseyDevil]

I find that I get a little more on auctions since I changed my PayPal to accept credit cards. It definately off-sets the fees. I don't mind the PayPal fees, the alternative is waiting weeks sometimes for people to pay. BTW, it is against state laws in NJ for businesses to charge extra for credit cards, I've never had any business do that.

[holygrailvideogames.com]

It is against the law in a number of states to charge extra for credit cards.

[hhwolfman]

It is against most Visa and MC rules to charge the buyer extra to cover your fees. I have been in retail sales for more than 20 years. Most Sellers are not aware of this and if buyer confronts the credit card company, the seller could lose their Visa MC account.

[Atarinuts]

It is against most Visa and MC rules to charge the buyer extra to cover your fees. I have been in retail sales for more than 20 years. Most Sellers are not aware of this and if buyer confronts the credit card company, the seller could lose their Visa MC account.

 

Yep, when I had my toy store, the guy who gave us the Visa/MC machine went to great lengths to tell us that if we tried to pass the fee along to the customer we would lose our merchant account. If you report these people to Paypal they will definately take care of it.

[sku_u]

A seller can and sometimes states that they do not accept Creditcards through Paypal.

 

As for charging extra, that's just plain silly. Charge a $1 handling fee on all auctions or start the bidding at a higher price to offset the Paypal fees that aren't that much to begin with.

[ussexplorer]

I can't say I know anything about Contracts between the credit card companies and the companies. I know in Idaho tons of companies started to charge extra if you purchased something under $5.00. Since it isn't worth their time to sell you something. In some cases I have seen $10.00. For credit/debit card purchases that is. Before I moved up here to the state capital I heard about places getting ride of their credit card machine. The place I moved from, that did not happen. I was shocked to find how many places up here did. But, this is a bigger area and alot more stores.

 

I also looked up about charging for fees in atm machines. The states that have laws against it are under fire. I wanted to know why Idaho didn't have law to cover not only atm fee's but check cashing fees if you cash the check at the bank the check was written with. The banks was able to convence the federal agency that when you use a atm machine or cash a check you are a customer of a bank. Since you are a customer of the bank they can charge you a fee. Currently if you look up texas. They had a law that was struck down. Plus, banks are in the works are killing simular laws in other states. To clearify things, if you use your atm at your bank or cash a check at your bank that you have an account with. You won't get chraged these extra fee's. Currently $5.00 to cash a check, 1.00-3.00 for atm use outside your bank.

 

I think I got it all. I have a list of stupid things. Sometimes they have some point, other do not.

 

Laters,

 

Josh

[sku_u]

To clearify things, if you use your atm at your bank or cash a check at your bank that you have an account with. You won't get chraged these extra fee's. Currently $5.00 to cash a check, 1.00-3.00 for atm use outside your bank.

 

Most banks will waive these fees if you negotiate with them when opening an account. I've never heard of a check cashing fee before. I've cashed checks in at least 5 different states in my lifetime and was never charged a fee regardless of the bank. My bank credits back all ATM charges including the charges you have to "Agree" to before using an outside ATM.

[ussexplorer]

What bank are you at? ATM fees' outside your bank for not using one of their machine has always been normal. Worst case is an e-trade machine. not only do they hit you up for three dollar fee. Our bank hit us with an aiddtional fee. I was told we could probably get the internal bank fee waived. But it is our choice to use an atm machine not associate with our bank. Yes, if you open an account and cash checks at that bank. You will not get charged a fee. I asume it depends what state you are in. For the check cashing fee. Check written from that bank and then you trying to cash it at that bank without an account started in New York from my understanding. Then worked it way to California a few years ago. Then about a year or so ago it started in Idaho. Banks gave us a simple answer. Open up an account and avoid the fee. I have also heard tellers explain they are not a check cashing facility. I don't know how they are their. But, check cashing facilities has springed up everwhere. They also cover money orders, western union, stamps and check loans. It could just be honestly Idaho. If we are not behind the times we are getting scr*wed. Most of the stuff I found out already exhisted before hitting Idaho. Not to be rude but I have heard of customers from banks demanding money to be credited to their account even when using a atm from another bank. In most cases the bank for that select few customers (in good standing) refunds the money. I hope this is not to much information. I'm just telling you what I see in Idaho. Yes, I did finally go around and choose a bank for us. Best deal of the time. Mostly so we wouldn't get nailed $5.00 check cashing fee for not having an account. Both me and my wife get paid weekly, so that can add up. $5.00 is a bargin compaired to check cashing places. You can end up with $7.00 to cash a $400.00 check.

 

Laters,

 

Josh

[MegaManFan]

You can't STATE that you charge for accepting credit cards in an auction description.. but..

[sku_u]

@Ussexplorer---I am currently using Chase Manhattan, but have a premium account. I have to have a minumum of $5000 between the three accounts we have there in order to avoid those foreign ATM fees.

 

You can avoid having to wait for checks to clear by using direct deposit. Most banks do not charge anything for the service and in a lot of cases, the money is readily available the day before payroll hits.

 

I'm from NY originally and cashed checks in NY recently at Fleet and wasn't charged a check cashing fee. That must be a brand new thing.

[Albert]

I've seen some stores offer discounts for cash, in an obvious effort to charge more for credit card customers. I don't know if this is a legitimate method for circumventing their merchant account agreement. In particular, I've seen several computer shops advertise either a 2% or 3% discount for cash, plainly stated on their price lists. I would see this often at the various computer fairs I've been to as well (the ones where tons of computer dealers come and setup tables.. unfortunately we don't have those here in Austin, but I've been to many of them in Boston and Silicon Valley)..

 

..Al

[ussexplorer]

Yes, the higher end accounts allow more thrills. Do to a few bad choices in my life. I cannot aford to select one of these higher option accounts. I honestly don't care for any bank. I have had small problems at all the banks I have went to at one point or another. Keybank, First security (Now Wells Fargo), Zions bank and Bank of America. I'm currently at Bank of America and they seem to be okay. I got a free account with no minimal balance. I have to at least have one direct desposit or deposit through the atm machine. I'm only allowed three in brance visits per month. Unlimited checking and a free savings account that also has no minimal balance. I can transfer money back and forther between the two accounts no problem. I cannot speak for any other bank. I have read horror stories all over the internet about other banks including Chase. But, the stories seem to not effect everybody. For the hand full of people who are pissed at the bank you can find more who is not. Plus people who are pissed can easily inflat the story. I'll be honest, I try to be correct when possible. My rule of thumb is only to beleive what you ran into yourself. So if you had no problem with any banks. You could blow off my story and I understand completly.

 

As for the bank charging a check cashing fee. That is only if you take the check to a bank you don't have an account with. So if I get a wells fargo check from a friend or business and try to cash it. They would nail me $5.00 for a check cashing fee. Yes, this is something new. I was introduced to it a year ago and found out it has been tried or in other areas already. I found out alot of people don't even know the policy exists, since they already have a bank account and can cash anything they want for nothing. I had a bank account for years before leaving the bank since I make a bad choice money wise. I forgot all the cr*p I had to goto to cash a simple check. Two forms of ID in a credit card / drivers license. Some banks would treat you like a second rate customer and now ofcourse, the $5.00 check cashing fee. So I did break down and get another account against my wishses. To avoid the check cashing fee

 

As for the pay in cash. Yes, it works out much better for the business over head. Don't cost anything to put cash in the bank. Well that is only partly true. I can put up a list of pros and cons. For the computer business, I worked in computer for seven years. We smilled all the way to the bank when somebody paid 1,600.00 cash for a system. Didn't have to worry about bouncing a check. The cash was posted asap to the account. So on and so forth. So if I ordered five boxes of hard drives. Each box contained 20 drives a peice. I make $20.00 a drive cash, compaired to say $15.00 a drive since somebodies check bounced or they desputed a credit card claim. Plus the fee for using the credit machine. So on and so forth. Any person who has worked in a company or as in my case a small company understands all the stupid fees envolved. If you are in business it seems like all the other businesses think you have money to support their business. Credit cards work a little differenlty. They work like microsoft. Everybody uses a credit card and are even encourage to ask business who don't have a credit card machine if they can use the credit card. The company I worked for finally broke down and ordered one. Against are will. If I remeber correctly that part of an argument was used in a lawsuit against the credit card companies. They credit card companies lost. As standard depending on how you look at outcome really nobody one. One again this is another story.

 

Yes, I have been told to write a book. But, if I take out all of the sh*t and put in only my personal experiance. It wouldn't be much of a book since I like to get to the point. These posts are not 100% to the point. As you can see they are not edited before posting. If I did, I could probably shrink this post into a simple paragraph.

 

Thanks for the understanding,

 

Laters,

 

Josh

[DaveAtari]

Banks suck

[surfnmadness]

You actually can charge the fee as part of the shipping/HANDLING charge or switch to another service like Bidpay and make the buying flip the bill. Seller is still stuck with ebay listing fee though.

[ussexplorer]

I'm not worried about the ebay sellers fee. This is because at a normal auction is conducted that way. You have a group or vehicle to sell and they charge you a percentage. Sometimes it is a flat fee. One place would sell you vehicle for just $30.00 per vehicle.

 

Laters,

 

Josh

[sku_u]

You actually can charge the fee as part of the shipping/HANDLING charge or switch to another service like Bidpay and make the buying flip the bill.   Seller is still stuck with ebay listing fee though.

 

Bidpay sucks. When I see that a seller only accepts Bidpay, I don't bother bidding. 2 out of the three times I used Bidpay, the seller claimed to have never received payment and I was double charged. I'd never use it again. Personally, I can't stand sellers on Ebay who claim that the reason they don't use Paypal is that it is too expensive. As I stated earlier, if that's the case, adjust the staring bid to reflect the fees.