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Fri Apr 01, 2005 11:17 am  |
O.K. this may be a stupid question, but I've never used paypal and I'm kind of leery. What exactly is paypal and should I worry about putting an order through? Strange they still ask me for my visa number on the site...I don't get it. Please help.  |
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Fri Apr 01, 2005 12:34 pm |
| I love paypal and when I first used it I had to put in my card number but now my card is linked direct. It is so easy to use and I think it is very secure.I wish everyone took paypal it is great. |
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50, happy reluma user started 16.6.12 original formula. PMD user. started LouLou's ageless regime. |
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Fri Apr 01, 2005 1:08 pm |
Thanks. I feel better now....  |
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Fri Apr 01, 2005 2:39 pm |
| Yeah, Paypal is a pretty safe bet if you are a buyer! I've never had any problems on the paying end....I've been using them for years. |
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Fri Apr 01, 2005 4:01 pm |
Same here, no problems using Paypal.
From a buying point of view it's great as the seller gets instant payment and then the monies are taken directly out of my bank account. Therefore you get your goods much quicker (normally).
The only downside is if you are selling anything and you are paid through paypal, they take a fee and a percentage of the final price...so if it is a small amount it's sometimes not really worth it.
T x |
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Fri Apr 01, 2005 4:05 pm |
| now I'm confused. They ask for credit card number...how do we go from that to taking directly out of one's bank account???? |
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Fri Apr 01, 2005 4:19 pm |
As far as I can remember when you first join with Paypal they use your credit or debit card number, but then once you have reached your limit (they have a set limit in dollars of transactions - so once you have spent over this amount via paypal) you have to upgrade to the next level.
Well this is how it happened with me.....so I had to then register a direct debit form with them and so it now comes direct from my bank account.
T x |
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Fri Apr 01, 2005 4:21 pm |
| This dosen't make anybody nervous-or do you just open a separate account? |
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Fri Apr 01, 2005 4:40 pm |
No seperate account and touch wood I have not had any problems.
One happy customer!
T x |
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Mabsy
Moderator
 
Joined: 17 Aug 2003
Posts: 9644
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Fri Apr 01, 2005 9:35 pm |
Marina - PayPal is in effect a virtual bank and is very secure. It's a third party payment system that interacts with a clearing house to get the money out of your credit card and send the money to the recipient. You can have a savings account linked in which case it works the same way as transferring money between two different accounts (your normal bank a/c and your 'virtual' bank a/c with PayPal).
ETA: I need to stress here that PayPal itself is secure - if anything happens on your end (like say you have spyware that sends your userID and password to someone else) then it becomes a nightmare. So it's important to guard your password, never believe any emails that look like they're coming from PayPal which try to get you to log in to your PayPal a/c to "confirm your account" or whatever other con they come up with, and always keep your computer free from spyware (you can do this with freeware software like SpyBot and AdAware for example). |
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Sat Apr 02, 2005 12:39 am |
| I agree with Mabsy 100%. Paypal is a tremendous convenience. You WILL however get bogus Paypal emails from people trying to hijack your account. Most of the time they look so obviously fake and amateurish you'll know immediately, but sometimes the hackers are more adept and use Paypal's logo and identical font. One modus operandi is to send emails saying an item has been paid for using your Paypal account and if this is erroneous, to click on the link they provide. Paypal has NEVER sent me an email (except for their receipts which arrive IMMEDIATELY after a transaction), but dozens of hackers have. NEVER click on any links they provide and be sure to "report spam" if you receive any bogus email (if your ISP has that feature). I'm probably scaring you to death! But after all, if you've ever ordered anything from a catalogue, what assurance is there that the person you deal with won't try to use your credit card? Or for that matter, what about waitpersons at restaurants, salespeople, etc? Paying with Paypal on the Internet isn't any less secure than other forms of shopping -- go for it!!! |
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Sat Apr 02, 2005 5:58 pm |
PayPal requires your credit card to confirm your identity, you don't have to use it for purchased but can set up your PayPal account to use your funds OR your credit card, it's up to you.
I've used PayPal for 4 full years now, a lot, getting payments from others and receiving payments. It's been great. It's a huge company, now owned by eBay so it's well established.
I have gotten fraud emails trying to hijack my PayPal and eBay accounts. Neither company will ever email you using your eBay username, only your full name so that's a give away. And, the links in the fraud messages look legit but always lead you to a completely different website, notwww.ebay.com orwww.paypal.com usually something likewww.i'mtryingtohijackyouraccount.com it's usually that obvious.
It's so convenient and I love that I don't have to use my cc. Have fun! |
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V2J 6P7 |
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Mabsy
Moderator
Joined: 17 Aug 2003
Posts: 9644
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Sat Apr 02, 2005 7:00 pm |
| Lolli wrote: |
| And, the links in the fraud messages look legit but always lead you to a completely different website, notwww.ebay.com orwww.paypal.com usually something likewww.i'mtryingtohijackyouraccount.com it's usually that obvious. |
Most of the time but this is not always the case. They can actually make the URL appear the same by putting in a whole lot of spaces (and thus utilising a browser weakness is not being able to display the full thing). I have had online banking fraud emails that take you to an identical site with an identical URL - although the site is a copy at a different address. I've had the same thing happen with PayPal recently. As long as you always go directly to the site though, without following any of the links in emails, then everything is fine in that regard. I use PayPal extensively as well and it would be difficult to live without it.
ps. Interestingly, eBay bought PayPal out about three years ago (for around US$1.6 billion from what I remember) because they realised that their own BillPoint payment system (that they had purchased earlier) could not compete with PayPal's popularity. |
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Sat Apr 02, 2005 8:56 pm |
| Ya, the fraud sites look like PayPal or eBay sites in the email, to a t, but when you hover your curser/arrow over the link, it shows as a competely different site, that's what I mean. It is so tricky and sneaky, it's awful. |
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V2J 6P7 |
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Mabsy
Moderator
Joined: 17 Aug 2003
Posts: 9644
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Sun Apr 03, 2005 12:17 am |
| Lolli wrote: |
| Ya, the fraud sites look like PayPal or eBay sites in the email, to a t, but when you hover your curser/arrow over the link, it shows as a competely different site, that's what I mean. It is so tricky and sneaky, it's awful. |
Yeah, I know what you mean but what I'm saying is that they're now getting smarter and can now make the link (when you hover your mouse over it) look legit as well.
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The more serious form of link and URL cloaking uses the vulnerability that exists in Microsoft's Outlook, Outlook Express and Internet Explorer as well as some Mozilla browsers. This can allow a completely different URL to be shown in the status bar to the true address. In that case, you could construct a link that shows http://www.citibank.com/ in the status bar, while the link actually opens a page at http:www.fakepage.com/.
Also, and with Internet Explorer in particular, you can arrive at a web page which shows a completely different URL in the browser address bar than the true location of that page. For instance, a fake Ebay email may use this method with a link shown aswww.ebay.com and that opens a web page with http://www.ebay.com/..... shown in the address bar, but with a forged Ebay page in the browser window which is located in completely different web space.
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Sun Apr 03, 2005 6:36 am |
So, the bottom line is, don't click on any sites that come in an e-mail, just go directly to their site? The reason I'm concerned is that a couple of years ago, I was going to order from cellular skin. t that time they only took paypal. Now they go the regular route too. I really didn't tknow I was registering with paypal when I typed in my e-mail address & password. I didn't go thru with it. This month, I got an e-mail (using my old e-mail address,I've since changed it) that someones been trying to access my paypal account. When I clicked on the site, it said, this account has been suspended. I hadn't given them any info as far as card# but all this made me nervous. I felt better when I saw the account was suspended.Funny though, every time I go to a site that accepts paypal that old e-mail of mine keeps popping up.
The only other thing I can think of is, when I tried a coupe of months ago to order from celllular skin-somehow I accessed my own papayl account? Even thought I didn't, at the end, go through payapal? Very strange. |
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Sun Apr 03, 2005 9:06 am |
| Some things to keep in mind is Paypal will never send you an email that isn't directly addressed to you. If you get one that says "Dear Paypal user" or "Dear Paypal Member" then it's bogus and you should report it to paypal. They will address you by your first and last name or your business name. The only time Paypal will not address you by name is when they send an automatic response to an inquiry you initiated. Also, Paypal will never send you an attachment or software to update your computer nor will they ever ask you for your password or account information via email. |
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Mabsy
Moderator
Joined: 17 Aug 2003
Posts: 9644
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Mon Apr 04, 2005 2:17 am |
| marina - I generally never click on any email links at all and instead just type in the URL in the browser. What you descirbed can be unrelated. If it was addressed as "Dear PayPal user" or something similar then it could have just been sent out blind to any of your email addresses - just like I keep getting online banking fraud emails for banks I don't have an account with. |
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Mon Apr 04, 2005 4:42 am |
For those who are not familiar with PAYPAL, it is an online banking service which is free to US residents and maybe to Canadian residents and only costs a very little to those living elsewhere.
It is quite easy to do, if you take your time filling in the form on their site. Once you have it, it is really useful - especially for small payments. It was set up originally to offset the cost of banking currency conversion charges, which are incredibly high (even a $1 cheque carries a £10/$19? conversion charge in the UK) and to facilitate the buying of low cost items.
PayPal is now owned by the ebay company, so it seems a strong bank, unlikely to crash, and has millions upon millions of customers worldwide.
The way it works is that you register your credit card number with them. You buy your item. PayPal transfers the money to the merchant's account in the currency of choice, and notifies them that you've paid, and then charges your credit card for the amount you've spent. It's virtually instantaneous payment and can be used for all sorts of things. I've bought all kinds of items from all sorts from countries overseas, and lately I've been using PayPal to arrange to buy and ship American items for my pals overseas.
And the nice thing is that you don't give your credit card number to all and sundry -only to PayPal. |
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Fri Jan 20, 2006 11:56 am |
I've set up a Paypal account but have never used it yet because i'm not sure if i have to transfer money into my Paypal account before i purchase something?
I know i sound like a dweeb about this but i;m nervous...could someone list the steps of a 'trial' paypal purchase so i could get an idea of how it really works?
thanks very much |
_________________
oily tzone;fair; mild roseacea;PCOS symptoms-hirsutism,occasional cystic acne. Mid 30's-light-med brown hair, light brown eyes |
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Fri Jan 20, 2006 7:32 pm |
| Well there are three ways to pay via paypal - you can do an automatic transfer from your bank account, an e-check or you can pay with your credit card. Personally I prefer to use a credit card since you have protection through paypal and through your credit card. If you feel uncomfortable giving them your bank account info, pay with a credit card! I've been using them for years and have never had a problem as a buyer (only as a seller - but that can get complicated). |
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Mon Jan 23, 2006 6:01 am |
I found it difficult to get paypal started.....it took nearly three weeks for me to figure out how to get it started/registered. It was very frustrating.
Although, now that I am registered, I have no problems paying someone on eBay.
But, PayPal will not let me switch credit card of my choice.  |
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Mon Jan 23, 2006 4:05 pm |
I had a horrible experience with Paypal about a year and a half ago.
Somebody got into my account and withdrew $1500 from my bank account into my paypal account. Since I hadn't used my paypal account in months, I didn't realize this until Paypal notified me that my account was frozen because of suspected fraudelent activity. It took weeks to figure out and in the meantime, I had bounced several checks because I didn't know the money was missing from my checking account. Paypal guarantees the security of their site, and had the money actually been taken from my Paypal account, it eventually would have been reimbursed to me by Paypal, but the money had to sit in my Paypal account for the whole time it was getting straightened out. When there is a problem like that, they won't let any activity happen on the account. Eventually, I was able to transfer the money back into my bank account, but it was a very stressful situation. I was without that money for a while, which put my automatic payments in danger of bouncing, and I had to go to my bank about the checks that actually did bounce before I knew what was going on. When it was all done, I was only out $20 for a bounced check (my bank took away the other charges). I am lucky that Paypal notified me because I had no idea that anything had went on. And, no, I never responded to any spoof e-mail from Paypal. Somehow, somebody just got into my account. For a while, I stopped using Paypal because I was scared of it happening again, but I realize now that what happened to me was rare. It was very stressful though 
Tina |
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