B/S/T Question

[adios_mach_3s]

Hoping someone can clarify something for me. I have a couple of items that I would like to sell in the B/S/T forum, and I just finished reading the rules.

Can someone clarify this rule:

"Payments via Paypal are to be made under the "Goods and Services" option. Sellers are forbidden to request or require "Personal Payments" for items in the B/S/T."

My plan was to give the buyer (via a private message) my wife's paypal account and let the buyer pay that way (assuming the buyer has a paypal account). So, would my plan be a violation of this rule? I'm a little confused on the "sellers are forbidden to request personal payments for items in the b/s/t" - how else would the seller receive payment if it wasn't via personal payment?

Thanks in advance!

[Vivasanti]

I find that confusing also.

[brybry642]

There are two option when sending a payment via Paypal, as a "gift" or for goods and services. If you send money to someone as a "gift", you pay no paypal fees; however if something goes wrong with your order, you throw away your buyer protection rights. Sending for goods and services charges the seller of the item a 3% transaction fee, but allows the buyer to have protection if the sale is a ripoff.

Asking someone to send money to you via a personal paypal account is perfectly okay, as long as it is being requested as a payment for goods and services.

[adios_mach_3s]

There are two option when sending a payment via Paypal, as a "gift" or for goods and services. If you send money to someone as a "gift", you pay no paypal fees; however if something goes wrong with your order, you throw away your buyer protection rights. Sending for goods and services charges the seller of the item a 3% transaction fee, but allows the buyer to have protection if the sale is a ripoff.

Asking someone to send money to you via a personal paypal account is perfectly okay, as long as it is being requested as a payment for goods and services.

So, "Personal Payments" is referring to the payment option in paypal.... It all makes sense now. (Obviously I don't use payPal that often.)

Thanks for the clarification.

[brybry642]

So, "Personal Payments" is referring to the payment option in paypal.... It all makes sense now. (Obviously I don't use payPal that often.)

Thanks for the clarification.

Correct. Paypal refers to it as a "gift".

[DanInFla]

There are two option when sending a payment via Paypal, as a "gift" or for goods and services. If you send money to someone as a "gift", you pay no paypal fees; however if something goes wrong with your order, you throw away your buyer protection rights. Sending for goods and services charges the seller of the item a 3% transaction fee, but allows the buyer to have protection if the sale is a ripoff.

Asking someone to send money to you via a personal paypal account is perfectly okay, as long as it is being requested as a payment for goods and services.

just so you know, you really dont have any buyer/seller rights with Paypal unless you are using Ebay ONLY. the terms and conditions of buyer/seller protection on paypal's website are very clear that only transactions thru ebay qualify. that is unless they recently changed, which i am guessing they have not.

[luvmysuper]

just so you know, you really dont have any buyer/seller rights with Paypal unless you are using Ebay ONLY. the terms and conditions of buyer/seller protection on paypal's website are very clear that only transactions thru ebay qualify. that is unless they recently changed, which i am guessing they have not.

This is incorrect.

The PayPal User Agreement clearly states you have protection unless you send the money as a "Personal Payment"
Though the filing requirements for a dispute or a claim are different for purchases made on eBay as opposed to the PayPal site, you still have protection.

Members on this site have filed disputes and had money refunded for BST purchases gone sour.

You don't have that right when you make the payment as a gift, or as a "Personal Payment".

Procuring Goods or Services and using the Personal Payment option is in violation of PayPal terms of use and may result in you not only losing your money, but getting booted from PayPal.

https://cms.paypal.com/us/cgi-bin/ma...ale.x=en_US#13. Protection for Buyers.

13. Protection for Buyers.
13.1 Types of Problems Covered. PayPal Purchase Protection (also known as PayPal Buyer Protection) helps you if you encounter either of these problems:

You did not receive the item you paid for with PayPal – “Item Not Received” (INR), or

You received an item you paid for with PayPal but it is “Significantly Not as Described” (SNAD) (as described below)

If your problem is a transaction that you did not authorize, please report the unauthorized transaction through the Security and Protection page.

An item is “Significantly Not as Described” if it is materially different from what the Seller described in the item listing. Here are some examples:

You received a completely different item. For example, you purchased a book and received a DVD or an empty box.
The condition of the item was misrepresented. For example, the description when you bought the item said “new” and the item was used.
The item was advertised as authentic but is not authentic.
The item is missing major parts or features which were not disclosed in its description when you bought the item.
You purchased three items from a Seller but only received two.
The item was damaged during shipment.
An item is not Significantly Not as Described if it is materially similar to the Seller’s item listing description. Here are some examples:
The defect in the item was correctly described by the Seller.
The item was properly described but you didn't want it after you received it.
The item was properly described but did not meet your expectations.
The item has minor scratches and was listed as used condition.
13.2 Eligibility Requirements.

To be eligible for PayPal Purchase Protection you must meet all of the following requirements:

Pay for the eligible item from your Account.

Pay for the full amount of the item with one payment. Items purchased with multiple payments – like a deposit followed by a final payment – are not eligible.

Send the payment to the Seller through:

the eBay “Pay Now” button or the eBay invoice; or

the “Send Money” button of your Account by selecting “eBay Item” and entering your eBay User ID and the eBay item number for purchases on eBay website; or

the Send Money tab on the PayPal website, by clicking the “Purchase” tab, or by selecting the “Checkout with PayPal” button or otherwise selecting PayPal as part of a Seller’s checkout flow.

Open a Dispute within 45 Days of the date you sent the payment, then follow the online dispute resolution process described below under Dispute Resolution. For Pay After Delivery transactions you must open your Dispute within 45 Days of the date of your transaction. For PayPal Grace Period transactions, you must open your Dispute within 60 Days of receiving your email transaction statement.

Have an Account in good standing.

For items purchased on eBay look for either a PayPal or eBay purchase or buyer protection message in the eBay listing. If you see a message, and you meet the eligibility requirements, then your purchase is covered by PayPal Purchase Protection. The purchase or buyer protection message will vary based on the eBay website. The message must appear on the top part of the listing and not under the “Description” or “Shipping and Payments” tabs. If the listing does not include the purchase or buyer protection message, then it is not eligible for PayPal Purchase Protection.

Items which you collect in person, or arrange to be collected on your behalf are only eligible for Purchase Protection if you use PayPal Grace Period when making your purchase. All items purchased using PayPal Grace Period are also subject to the Billing Rights Notice you received when you signed up for PayPal Grace Period. You can find this notice in your monthly PayPal Grace Period statement.

13.3 Ineligible Items. PayPal Purchase Protection only applies to PayPal payments for certain tangible, physical goods. Payments for the following are not eligible for reimbursement under PayPal Purchase Protection:

Intangible items, including Digital Goods
Services
Real estate, including residential property
Businesses
Vehicles, including motor vehicles, motorcycles, caravans, aircraft and boats
Custom made items
Travel tickets, including airline flight tickets
Items prohibited by the PayPal Acceptable Use Policy
Items which you collect in person, or arrange to be collected on your behalf, including items bought through In-Store Checkout at the retail point of sale (unless bought using PayPal Grace Period, see Eligibility Requirements above)
Items that violate eBay’s Prohibited or Restricted Items Policy
Industrial machinery used in manufacturing
Items equivalent to cash, including prepaid or gift cards
PayPal Direct Payments
Virtual Terminal Payments
Personal Payments
Even if your payment is not eligible for PayPal Purchase Protection, you can file a Dispute and try to resolve the issue directly with the Seller; however, PayPal will generally not find in your favor if you escalate a Dispute to a Claim for an item which is not eligible for PayPal Purchase Protection.

[DanInFla]

thanks, they must have changed their policy, like i said it has been a while since i checked the agreement. last time i did it was pretty clear non-ebay items were not covered. glad they got their act together

[luvmysuper]

glad they got their act together

Me too!