"Paypal protocol" Topic
8 Posts
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dualer | 09 Jan 2015 11:43 p.m. PST |
At what stage should a company take your money when an order is placed? I placed several orders with a company in the run up to Xmas and all show as complete in my account and I still have no figures. The company is a reputable one so I have no doubts about not getting my orders, but it seems a little "off" to take payment immediately. |
Grimmnar | 09 Jan 2015 11:59 p.m. PST |
MY understanding, and i am no lawyer either in RL or on TV, a company isn't supposed to take your money till they send out your goods. Isn't that a credit card policy or rule or something? Same with PayPal i would think. Especially with the 45 day limit you have to file a claim. When does that start, the day you make the order or the day they take your money? Now on the other side of the coin i know some times it is best they take my money then. LOL Example being a recent order i did to a good company. Already said ahead of time they wouldn't take my money till the order shipped. Here i was thinking "damn i hope everything is in stock and the order ships soon so they take my money so there is still money in my PayPal to take. :-)" Sad but true. Grimm |
bsrlee | 10 Jan 2015 12:36 a.m. PST |
Paypal always rip the money out of your account as soon as you order, regardless of what the company policy is for the company you have ordered from. A lot of small companies have trouble filling an order and getting it through International mail within a month, which may be one reason Paypal have extended the dispute deadline to 45 days from 30 days as it used to be – I suspect a lot of people were lodging a 'dispute' around 20 days, just to be sure. If I can I use a credit card, but increasingly companies are only accepting Paypal, which must say something about the charges they are getting hit with by the banks for CC transactions. |
IUsedToBeSomeone | 10 Jan 2015 4:50 a.m. PST |
If it was a paypal payment then the company has no control over that – Paypal takes the payment immediately. Credit Cards shouldn't be charged until the goods are ready to dispatch. Mike |
Marc33594 | 10 Jan 2015 5:22 a.m. PST |
Many companies do charge your credit card when you place an order. Prior to Christmas I was looking for a DVD. Turns out it wasn't going to be released until 6 Jan. I placed a pre-order with Amazon and the credit card was immediately charged. Amazon has a price guarantee at least and when the item was actually shipped several weeks later the price had fallen and they refunded to my card the correct amount. |
Doms Decals | 10 Jan 2015 6:50 a.m. PST |
What Black Hat said – with Paypal the payment is directly initiated by you, when you place the order – the seller doesn't "take" payment at all – you "send" it. (Indeed this is pretty fundamental to Paypal's process – the transaction is initiated by you, and the seller never gets your card details, so can't "take" anything; one consequence of this is that the timing of the transaction is entirely out of their hands – it's you that has to initiate it, not them, and you did so when you placed the order and pressed the Paypal "pay now" button.) If you're providing card details for them to process the transaction themselves, then best practice is not to charge until the goods are ready to ship, but with Paypal this simply isn't possible. |
BrigadeGames | 10 Jan 2015 9:49 a.m. PST |
Credit cards – some of you may not have read your merchant agreement. As far as credit cards and web shopping carts, there is only one real and allowed way of doing things – charging the card when the order is placed to be PCI compliant. These are the terms and rules that must be adhered to when accepting any credit card order set by the credit card companies. Using a cart that is not PCI compliant also violates the rules for card acceptance. So there is no difference between what paypal and credit card companies do or require. Collecting your card number and digits for later processing is actually against a merchants card processing agreement if the merchant can still see the number after entry for obvious security issues. If the merchant can't see it then it is allowed. The modern secure and approved cart systems don't even let merchants see a card number. If a merchant can, then if a hacker gets in they can too. PCI compliant web stores cost a lot more to run. Regarding the holidays and shipment delays, any vendor worth their salt gets overloaded during the holidays. One needs to be patient. Imported items sometimes sell out and then mfrs go on vacation until early or mid January. So getting restocks are delayed. Personnally we did pretty well this year with keeping up. Stock was deep and even though we ran out of some imported items, from a casting perspective we were not running that far behind considering sales were up 25% over last year. |
Doms Decals | 10 Jan 2015 4:09 p.m. PST |
Actually that's a very good point, and shows how long it is since I last processed a credit card – under UK rules these days, merchants are allowed to store card numbers and expiry dates, but not the three digit security number from the back – that should be used immediately and not saved, which effectively means they have to take payment immediately. I stand corrected there. |
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