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> To a point, I am suspecting Paypal pretends to be the random online stranger that sent me the money and then disputed it
I would highly doubt this.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
It depends on what you mean by "use PayPal". To give out my debit card details as infrequently as possible, if a business supports paying with paypal I'll use them as the payment provider. I don't store any money with them though.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
It depends on what you mean by "use PayPal". To give out my debit card details as infrequently as possible, if a business supports paying with paypal I'll use them as the payment provider. I don't store any money with them though.
Having said that, it can bite you in different way. Paypal keep an association of last email used in a transaction with a card number.
For example, I had paid for a vps hosting using paypal payment (without a patpal account) with one card, using my email address in the billing details. Later one we bought something for my partner with the same card, but using her email address in the billing details.
Subsequent payments notifications for my vps hosting were sent to her email address.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
10-15 years ago (when I started using paypal) most Europeans didn't have a credit card and most US-based services (and things like Ebay and Dealextreme) didn't accept anything but credit cards and paypal. And this sometimes is still the case.
In France (and I'm going to guess similar rules exist in other EU countries), businesses are required to accept at least 2 different payment options. They choose which 2, for example Apple Store accepts cards or ... cash. Buying a Mac with cash is a funny albeit slightly stressful experience.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
10-15 years ago (when I started using paypal) most Europeans didn't have a credit card and most US-based services (and things like Ebay and Dealextreme) didn't accept anything but credit cards and paypal. And this sometimes is still the case.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
At the moment I use paypal when my bank rejects a credit card transaction due to fraud risk. For example this happened yesterday when I tried to make a payment to a (very reputable) educational institution for an application fee. This is by no means a high risk transaction. In fact I would go so far as to say the payment could never in a million, billion, Brazillian years be fraud, but it was rejected. But they take…
This actually happened to me yesterday, thing is, the merchant doesn’t use paypal or anything except card, so kind of suck it up :/
I don't get the angle of the "random people" here - is it just to cause a nuisance by causing target accounts to incur fees? I mean it's stupid but a lot of PayPal stuff is stupid. > To a point, I am suspecting Paypal pretends to be the random online stranger that sent me the money and then disputed it I would highly doubt this.
Most likely, they give money to a random email address using a stolen card, then dispute it and receive that money back, but now it's clean money because it comes from Paypal.
Some customers decides to try to get it for free by paying and then creating a PayPal claim by lying that someone else made the purchases or that it was not delivered. And this usually works, and people tell others, so more people abuse it.
Basically every single time someone tries to commit "friendly fraud" as the card networks calls and it(customer tries to scam seller by lying), there are a handful of transactions from one person. PayPal usually rules 90 % of the cases in favor of the buyer.
However, there can be 20 purchases during just a couple of hours from one person and card, and somehow PayPal is certain that purchase 6 and 10 was legit, while the rest was someone who used the card without permission. That seems probable, right? Even on a account with a flawless record for over 10 years I've had this happen so many times. Usually when this happens I have to spend hours on this and contact PayPal by phone to get the money back. Usually the customer gets the money too, for some absurd reason.
PayPal's fraud system is absolutely garbage, and so is the standard email support. Contacting account managers at least gives you what seems to be a human response.
I too got my PayPal account limited in 2012 as a result of a scammer who abused PayPal disputes.
The solution is super simple: make buyers pay to create PayPal claims and use the money to have real people quickly look over the cases. This is similar to how cases are handled for card networks.
Was the claim legit? Money back, including the claim fee. The merchant has to pay a fee, same way as today.
Was the claim not legit? Basically free money for PayPal, and some should probably be shared with the merchant for helping out with solving the fake claim.
At least in europe the scams on PayPal has mostly shifted from "unauthorized use" to "not delivered" as a result of strong consumer authentication.
For the life of me I cannot understand anyone would use PayPal. I'd rather trust the postal system with an envelope of money. I have yet to see an area where there aren't better options.
10-15 years ago (when I started using paypal) most Europeans didn't have a credit card and most US-based services (and things like Ebay and Dealextreme) didn't accept anything but credit cards and paypal. And this sometimes is still the case.
Earlier quoted context omitted.
10-15 years ago (when I started using paypal) most Europeans didn't have a credit card and most US-based services (and things like Ebay and Dealextreme) didn't accept anything but credit cards and paypal. And this sometimes is still the case.
Almost nobody in Europe uses credit cards. We use debit cards, various types (immediate, deferred, ...). It was also the case 10-15 years ago. The usage has became much higher, but it was already all right by then. Except Germany, for cultural reasons.
https://www.theglobaleconomy.com/rankings/people_with_credit...