No fees in Paypal - changed now?
I can't find the original topic that was posted last week about this, but I am trying to send as a personal payment now and it is forcing me to either eat fees or pass them onto the recipient. Anyone know if Paypal caught onto the trick? It wasn't like this a few days ago.
Comments
are you using credit to fund this? Either a CC, or buyer credit?
Chances are you sent to their business account so they paid the fees anyways and it didn't alert to you.
With this one, if you're sending to a genuine personal account, then it will ask you who pays the fees, because from credit: someone's got to.
I bet if you ask that person the other day to look at the actual transaction page, they'll see fees...
^ It's still advertising "No Fees in Paypal" and it looks like my fake-o transaction with my wife's account will be clean.
I would STRONGLY advise against doing that ever again. If they ever sniff that out, you won't be using their service ever again.
Beginning June 3, 2009 PayPal user agreement is being amended as follows:
1. Section 4.2 of the user agreement will read as follows:
1.
"4.2 Receiving Payments for Commercial Transactions and Personal Transactions.a. Fees depend on whether you are making a commercial transaction or a personal transaction. A commercial transaction involves buying and selling goods or services, and payments received when you send a "request money" using PayPal. A personal transaction involves sending money to and receiving money from friends and family without making a purchase.
b. If you are selling goods or services, you may not ask the buyer to send you a personal payment for the purchase. If you do so, PayPal may remove your ability to accept personal payments."
2. Section 8 of the user agreement will read as follows:
1.
8. Fees. All fees are in U.S. Dollars unless otherwise stated.
Fees depend on whether you are making a commercial transaction or a personal transaction. A commercial transaction involves buying and selling goods or services, and payments received when you send a "request money" using PayPal. A personal transaction involves sending money to and receiving money from friends and family without making a purchase.
Personal Transactions. Fees depend on the payment source that the sender selects. The amount of the fee will be shown at the time the payment is sent. The Fee is paid by either the sender or the recipient. The sender decides who pays.
Domestic Personal Transactions - U.S. sender and recipient.
Payment Fully Funded by PayPal Balance or Bank
FREE
Payment Fully or Partially Funded by PayPal Credit, Debit Card, or Credit Card
Sending / Receiving Free 2.9% + Fixed Fee (see below)
International Personal Transactions - The sender or recipient is outside the U.S.
Right, of course this rule has no teeth. They've no way of knowing what private communications are going on between both parties. If you're trying to solicit to an unknown eBay guy for an off-bay transaction, you run the risk of them tattling, but for NA to NA user stuff, they'd never figure out your gifts are for merch. Just keep it all in the NA transaction system, and say nothing in the Paypal xfer. Or better yet, just reference the NA transaction ID number.
true,
But if all of a sudden I toss your address into multi order shipping the day after you send me a "personal" payment it will create a better trail for them.
I don't understand, Nathan. Why wouldn't I be able to send a cash gift to my wife.
Because if you live in the same household Paypal freaks out about it.
Quite a few people of Fatwallet have been burned doing things like that. Though most of them got hit specifically for abusing the MS Live cashback.