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PayPal versus Credit Card (online purchases)

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Carabosse 16 41.3k 270 England
4 Sep 2019 2:49PM
Which do people regard as providing better protection for online purchases?

I personally use both but, I should add, any outstanding PayPal balance I owe is always taken from my credit card. So ultimately all my online buying goes onto my credit card, either directly or indirectly.

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DaveRyder Plus
5 3.4k 1 United Kingdom
4 Sep 2019 3:39PM
For items over 50 I believe there are protections on credit card payments above and beyond paypal provisions.

To be fair I've raised issues in both areas and had full refunds because of false trading/fraudulent goods.

You only find these things out when there's a problem.
Dave_Canon 13 1.6k United Kingdom
4 Sep 2019 5:30PM
I use both and not yet had an unresolved problem. I would certainly use a credit card for a larger purchase. However, I try to deal only with reputable companies and would not take a chance for a risky "bargain". For camera equipment, I did have a problem relating to a local large Camera dealer but they readily sorted it. I have had one or two issues dealing with Amazon both themselves and the Market place but they were always resolved in the end.

Dave
davereet 15 424 United Kingdom
4 Sep 2019 9:26PM
I had a problem with an Ebay purchase and Paypal would not help, so I went to the credit card company and they told me that as I had used the credit card through Paypal and not direct with the seller they would not refund.
Something to think about.

Dave
Chris_L 5 5.2k United Kingdom
4 Sep 2019 9:39PM
That's my understanding as well. If your credit card is basically used to put funds into a PayPal account and then it is PayPal who actually pay the seller for the goods, not your credit card company, you lose the purchase protection that you get from buying with a card but you get some help from PayPal depending on the type of purchase.

This is what I think:

1) Buying from a company, such as WEX, items over 100 I use credit card never debit card, not PayPal, not anything else. The credit card company will help out in any issues that arise as they purchased the goods on your behalf.

2) Buying from eBay (private seller) - In my experience PayPal instantly refund if goods don't turn up. The buyer is protected more than the seller is. eBay seem to want to encourage buyers to use eBay in the way people use Amazon. People are more nervous about eBay.

3) Buying from Amazon or Amazon Marketplace - For major purchases I would use Credit Card rather than Debit Card or Gift Card for the extra layer of protection.

4) Using PayPal outside of eBay - credit card seems to give more protection.
5 Sep 2019 6:51AM
I am currently facing a problem in this regard, i use my PayPal for any online International transaction...

I came to know from the forum of this site (in competition section), about a competition in "Fine At" category, and if any image wins in that competition (free submission), that image (High Resolution Version) will be exhibited along with other 99 images from the several part of the world, for that reason a nominal fees of 35 Euro have to be paid if selected...

Eventually one of my images has been selected for that exhibition, which they have confirmed me through an email...in that email they have also provided me two links, one is for those selected 100 images and another link is for the payment...the payment link is not secure and they don't accept PayPal (more secure option) and they only accept credit or debit card...I have decided not to pay to proceed further as the information of debit or credit card in an insecure platform may be used for fraudulent purposes...
JackAllTog Plus
10 5.6k 58 United Kingdom
5 Sep 2019 7:50AM
Hi clicknimagine,

You could always use a prepaid credit card with a fixed limit. That way your risk is limited.
.
JJGEE 14 7.6k 18 England
5 Sep 2019 8:02AM
In relation to camera equipment most of my purchases are made with a credit card but when I bought my latest camera body used a debit card, only because I like to leave an healthy balance on my credit card for " emergencies "

Only ever used PayPal once when I bought something from an American company and that was the only payment method they accepted.
LenShepherd 11 4.0k United Kingdom
5 Sep 2019 8:25AM

Quote:I had a problem with an Ebay purchase and Paypal would not help, so I went to the credit card company and they told me that as I had used the credit card through Paypal and not direct with the seller they would not refund.
Something to think about.

Dave


CORRECT
While I appreciate few read the contract they agree to for a credit card they use, these conditions usually remove the credit card protection you get for a problem transaction when the payment is transacted via another party.

The terms do not name Paypal - though I expect Paypal handle many transactions charged to a credit card account where "credit card protection" does not apply.

I generally restrict Paypal purchases via a credit card to no more than 50.
LenShepherd 11 4.0k United Kingdom
5 Sep 2019 8:27AM

Quote:In relation to camera equipment most of my purchases are made with a credit card but when I bought my latest camera body used a debit card, only because I like to leave an healthy balance on my credit card for " emergencies "


If a transaction made with a debit card "goes wrong" - provided you act quickly (the time limit used to be 60 days) and you jump through several hoops you can get the transaction reversed.
sausage Plus
15 604 United Kingdom
5 Sep 2019 8:35AM
I'm sure I read recently that debit cards now offer the same protection as credit cards. 100 minimum spend.
LenShepherd 11 4.0k United Kingdom
5 Sep 2019 9:24AM

Quote:I'm sure I read recently that debit cards now offer the same protection as credit cards. 100 minimum spend.

It is similar - but with a time limit.
I try to avoid potential problems by only buying from sources I trust.
When spending perhaps as much as 1,000 on a "one off" transaction it is helps to know what card protection you actually have. This can help avoid nasty surprises if a purchase turns sour.
Carabosse 16 41.3k 270 England
5 Sep 2019 9:38AM
Interesting. So there is no "double protection", so to speak, if using PayPal which is then charged to a credit card.

However I guess one advantage of PayPal is that you don't have to give your credit card details, including the security number, to the online retailer.
5 Sep 2019 10:24AM

Quote:Hi clicknimagine,

You could always use a prepaid credit card with a fixed limit. That way your risk is limited.
.



Thanks Stuart, the problem is solved by a Virtual Credit Card...
thewilliam2 2 1.3k
5 Sep 2019 10:51AM
One advantage with Paypal is that protection extends to 6 months rather than just 60 days.