| Old Smokie | 05 Nov 2009 4:13 p.m. PST |
Anyone having unknown paypal charges taken from their bank accounts. For the past 2 weeks I have bought stuff from ebay using a Visa debit card and roughly a day or so later a charge shows up in my bank account from paypal usually a small amount £1.25 GBP being taken. How the charge appears in my banks account is below, sensative info has been changed with and astrix 4 Nov 2009
POS **** 02NOV09 , PAYPAL ***********, *********** LU , CHARGE £1.25 GBP I have never had this before when using paypal, even using other credit or debit cards. My bank has investigated and they state it is not them making the charge. I have faxed bank statements etc to paypal and they are telling me they don't know what the charges are for either ? I have changed the password on my paypal account and even the email has been changed but the charges keep happening. Anyone got any ideas. |
| Richard1967 | 05 Nov 2009 4:18 p.m. PST |
sometimes when I make a charge with my CC for gas or something, it puts a $1.00 USD charge on the card until it can verify my account, and then the $1.00 USD charge goes away and the actual amount is charged a day or two later, may be the same thing with yours check with your bank about this. |
| Old Smokie | 05 Nov 2009 4:22 p.m. PST |
I have used the card to pay for other things in shops etc and have not had any other charges other than what the item cost. I have checked with the bank and they stated that the charge was not from them |
| Angel Barracks | 05 Nov 2009 4:46 p.m. PST |
make the bank do some work, they can trace who took the money, also you said paypal do not know what the charges are for? did they actually say they are not theirs? |
| the Gorb | 05 Nov 2009 4:53 p.m. PST |
Sounds like the VISA Debit Card fees discussed here: link Regards, the Gorb |
| Old Smokie | 05 Nov 2009 5:09 p.m. PST |
@ angelbarracks no paypal did not say the charges were not theirs, they said they did no know why they had made the charge ?, rather odd thing to say as you would think they would know. |
 Doms Decals  | 05 Nov 2009 5:22 p.m. PST |
Good link, thanks Gorb – the issue certainly seems to be with Paypal and Nat West Visa debit cards. Rather annoyingly, this week Nat West replaced my Maestro card with a Visa debit, so I guess I'll be avoiding using that for a while…. |
| Forager | 05 Nov 2009 5:43 p.m. PST |
Could be a charge for an international purchase. Some credit cards do that. |
| Doms Decals | 05 Nov 2009 5:47 p.m. PST |
Yes, but usually only for a foreign *currency* transaction – the issue seems to be that for some reason Paypal + Nat West Visa Debit as a combination is generating a foreign transaction (presumably based on Paypal being located in Luxembourg for VAT reasons) fee even though the transaction is still in sterling…. |
| andygamer | 05 Nov 2009 9:46 p.m. PST |
It must be the work of the £1.25 GBP bandits! |
| Cheriton | 07 Nov 2009 3:00 p.m. PST |
FWIW, though I do use PayPal often, whenever I use my Visa with a direct transaction from the US to UK, I always get dinged for a 2% surcharge (of the purchase price) by Visa. This also occurred while we were in England in September. I've questioned my (Visa card-issuing) bank and I always get "Visa can do whatever it wants we have no control over it." I think it may well be correct that PayPal is not personally responsible for the surcharge. |
| James Forrest | 07 Nov 2009 4:29 p.m. PST |
For this reason I never use my debit card through paypal. I always load up my paypal account from a separate "hobby" bank account. It takes 10 days to transfer. It stops me overspending and paypal can't charge me anything. |
| Kilkrazy | 08 Nov 2009 12:57 a.m. PST |
Good tip. It spoils the point of eBay if you search for bargains and spend as much on a transaction fee as you do on the actual goods. |
| Big Dave | 11 Nov 2009 12:12 p.m. PST |
I use my debit card with paypal all the time and have never been charged. |
