Paypal Question

[pixiemomma]

Can personal Paypal accounts recieve funds from foreign bank accounts? I have a buyer who is insisting she paid with her bank account but her payment showed up in my account history as "pending" and "unclaimed". Usually these are credit or debit card payments and I routinly deny these. I think the buyer may have a foreign bank account though because almost everything she buys is from Europe. (And her username is a German word)

 

[Towncrier]

It took some work, but I was able to accept a payment from the UK once the person sending the money transferred funds into her PayPal account. I had to deny her CC payment twice and exchange some emails before we worked out the details. But it is possible.

 

[iNTeNSeBLue98]

I received a payment from Canada, no problem. DH also used my account to send money to a gaming buddy in UK. I accept credit cards (and pay fees) with a Premier Account, but don't know that would make a difference.

Is the person trying to send you money in US funds or funds of her home country?

 

[pixiemomma]

Originally posted by iNTeNSeBLue98
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Is the person trying to send you money in US funds or funds of her home country?

I don't know. When I clicked on the transaction page I just saw a fee, not what the fee was for. (I have been an Ebay seller for 4 years and have never encountered a circumstance where a buyer paid with a bank account and it showed up as unclaimed in my account. I don't want to call this person a liar so I am looking for another possible explanation.)

 

[iNTeNSeBLue98]

From PayPal's website:

PayPal lets you choose what currencies to accept and how you would like to accept them. When a buyer sends a payment in a currency you hold, the funds will automatically appear in your account in the balance of the given currency. When a buyer sends a payment in a currency you do not hold, you will be asked to Accept or Deny the payment as shown below:

two images apprear below the text and can be seen by following the link I've provided.

Maybe that will make sense. Have you dealt with international buyers before?

 

[Melora]

You can select as an option to "accept or deny payments" from buyers who do not have a "confirmed address".

A confirmed address is one that someone has registered a credit card with Paypal and they have shown that this card bills actually go to the address they have given.

Foreign addresses will always be unconfirmed.

If you accept payment from people with a non confirmed address you are not covered by Paypals sellers protection policy.


You are the one who has to click to claim the money. She has paid, but because her account has a nonconfirmed address this is how it shows up. Why do you think she is lying if it is in your account and if you click accept than it will be paid for?


I am curious as to why you do not accept payments from credit cards? I see many people do this and to me it doesnt make sense. We have been selling on ebay for 5 years now as a business and have never once had trouble with this. It doesnt cost us anything to accept those and we have never had a charge back.

 

[pixiemomma]

Nevermind. The person obviously thinks paying with their debit card is the same as using their bank account.

Yes, I have dealt with international bidders before. At that time I did accept credit or debit cards so it was a moot point.

I know that I have to claim the money, that wasn't my question. (Not new at this!) I was wondering whether a personal account could accept international funds.

I don't accept credit card payments anymore because I am not willing to pay a fee on the small amount of merchandise that I sell. (Maybe 15 items a week, 8 months a year for 4 years.) Between the Paypal and the Ebay fees there would be no point in selling. If I sold big ticket items, well yeah I would accept credit card payments, but not $15 shirts.