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If you opened your PayPal account before you were 18, close it

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Re: If you opened your PayPal account before you were 18, close it

#101

Post by geofft »

kefka wrote: post #85
itake wrote: post #77

Earlier quoted context omitted.

facebook also has free payments

And I want to give Facebook my credit card why? Yeah, no.

What is the threat model you envision with giving Facebook your credit card number? Transactions are reversible by calling up your credit card company, and Facebook, for what little reputation it has, still has more of a reputation to uphold and more internal security controls than the local diner where you physically hand your card to a waiter and let them take it out of your sight.

Re: If you opened your PayPal account before you were 18, close it

#102

Post by sayelt »

prklmn wrote: post #78

Is there a bitcoin solution that looks like this without having either party directly deal with bitcoin?: currency in bank account of person 1 --> bitcoin --> currency in bank account of person 2 or credit card of person 1 --> bitcoin --> currency in bank account of person 2

Bitwage.

Re: If you opened your PayPal account before you were 18, close it

#103

Post by briholt »

loeg wrote: post #18

Just close your account if you have a PayPal account at all. They limit and freeze funds at random and good luck resolving it. OP, You can refund the funds to the sender less Paypal's 30¢ cut, I believe. That might be the best way to get the money back to your friend, and then they can re-send it to you with something sane like Google Wallet.

Seconded. Paypal froze my account with $2K for no apparent reason. They did not reply to numerous emails. Their "upload documents to verify your identity" form literally did not work. They've deliberately made it easy to get your money frozen and deliberately made it difficult to rescue it. At every opportunity I insist to people not to use Paypal and I will use any alternative - including snail mailing checks - whenever possible.

Re: If you opened your PayPal account before you were 18, close it

#104

Post by geekamongus »

geofft wrote: post #101
kefka wrote: post #85

Earlier quoted context omitted.

And I want to give Facebook my credit card why? Yeah, no.

What is the threat model you envision with giving Facebook your credit card number? Transactions are reversible by calling up your credit card company, and Facebook, for what little reputation it has, still has more of a reputation to uphold and more internal security controls than the local diner where you physically hand your card to a waiter and let them take it out of your sight.

Well, you have to have a Facebook account, for starters.

Re: If you opened your PayPal account before you were 18, close it

#105

Post by mjevans »

loeg wrote: post #18

Just close your account if you have a PayPal account at all. They limit and freeze funds at random and good luck resolving it. OP, You can refund the funds to the sender less Paypal's 30¢ cut, I believe. That might be the best way to get the money back to your friend, and then they can re-send it to you with something sane like Google Wallet.

It's a major problem how dependent most online payment processing is on PayPal (or directly credit cards if you're "lucky", and occasionally Amazon's payment processing).

Aside from Bitcoin is there actually a real alternative?

Re: If you opened your PayPal account before you were 18, close it

#106

Post by kennywinker »

geofft wrote: post #101
kefka wrote: post #85

Earlier quoted context omitted.

And I want to give Facebook my credit card why? Yeah, no.

What is the threat model you envision with giving Facebook your credit card number? Transactions are reversible by calling up your credit card company, and Facebook, for what little reputation it has, still has more of a reputation to uphold and more internal security controls than the local diner where you physically hand your card to a waiter and let them take it out of your sight.

Facebook is an ad company. Credit card companies collect and sell purchase history. Giving them your cc number explicitly links your purchase history to your facebook account. Realistically they've probably already made the jump using your name and DOB, but at least they had to work for it...

Re: If you opened your PayPal account before you were 18, close it

#108

Post by user5994461 »

iDemonix wrote: post #41
ben0x539 wrote: post #31

Also this is a great example of having rules that are bullshit enough that you can basically do anything to anyone and technically be perfectly justified according to some agreement, but also enforcing them arbitrarily enough that anyone who complains about the terms of the agreement will be brushed off as paranoid.

Yeah, in my initial outburst of rage to my other half about the situation I just described it as it's like a company turning around and sacking you because you took home an expensive stapler several years ago, it's just a random get out of free card they have stored thanks to their ToS.

Abusive ToS won't stand up in court.

Re: If you opened your PayPal account before you were 18, close it

#109

Post by kennywinker »

JBReefer wrote: post #94
hanklazard wrote: post #92

As someone who uses PayPal on a multiple times per week basis and who has never had any issues, this type of story (as well as the general sentiments of many of the comments) makes me worry that my time will come soon enough. Can anyone recommend a service like PayPal that would be good for online transactions between individuals, but that also allows for credit card use? Fees are to be expected, it's just that I hav…

Venmo ... Oh that's PayPal too. I'm not a fan, but maybe Bitcoin? What about mailed checks, as a backup?

In Canada we have Interact e-transfers. For about $1 you can send money between any two banks via email or sms. The fee is frustrating, especially when you want to pay someone back for lunch or something small, but it is very convenient and basically everybody knows how to use it at this point.

Re: If you opened your PayPal account before you were 18, close it

#110

Post by PKop »

hanklazard wrote: post #92

As someone who uses PayPal on a multiple times per week basis and who has never had any issues, this type of story (as well as the general sentiments of many of the comments) makes me worry that my time will come soon enough. Can anyone recommend a service like PayPal that would be good for online transactions between individuals, but that also allows for credit card use? Fees are to be expected, it's just that I hav…

Square cash? Not sure how the service use cases may differ, but Square cash is the easiest peer-to-peer payment service I've ever used.
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