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Only use PayPal when starting out. Avoid the other payment processors.



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Only use PayPal when starting out. Avoid the other payment processors.

Recently I set up a website for a niche I was trying to crack in to, and I was shocked at the outcome.  Normally I only use PayPal for my new websites, but I was getting a good amount of potential buyers that couldn't purchase unless they had another way.  So of course I obliged and set up a payment gateway using Chase Paymentech and Authorize.net so those potential buyers could purchase from us.

Now the reason people all over the world can't use PayPal is because they simply don't have access to it.  Sometimes they can access it, but they can't withdraw to their bank accounts, so they don't use it at all.  But what I've noticed now is that PayPal avoids a good amount of countries where online fraud is just as common as eating dinner.  People in these countries will purchase a product online knowing they are going to file a charge back as soon as they get the product or service.  It's actually pretty sad when it happens, but it's devastating when it happens on big ticket items.  Luckily I was not selling my normal $500+ services, I was just testing the waters of this niche and selling $10 to $20 items. 

Of course I'm using tracking for everything so that I know what is happening at all times, and I noticed a common trend.  I was consistently getting charge backs from specific countries that couldn't access PayPal.  Is it just a coincidence that one person did the charge back right after the sale?  It could have been, but it's not a coincidence when 36 people from the same country file charge backs soon after they get their work completed.  Now some of you are saying "It was probably the same person making all the orders" but thieves like this aren't that tricky.  They're not going to have 36 different stolen credit cards and have 36 different IP addresses to purchase for 36 different domains lol.

Needless to say, I'm removing the credit card payment option so that people that intend on purchasing and filing a charge back will be pushed away when they see that PayPal is my only payment option.

I'm thinking that people do this because they want the service but can't really afford to purchase it.  Since the US dollar has a higher value than a lot of countries currency, it makes it more expensive to purchase for less wealthy countries like Bangladesh, India, etc.  But it could also be how they were raised, they could think that this is a normal thing and they shouldn't worry about taking money out of people's pockets after a service or product has been exchanged, but I guess we'll never know for sure.



Has this happened to anyone else here on SEOclerks?  I know it can't just be myself since there are a lot of other buyers and sellers here.  I'm also sure that SEOclerks has to deal with their fair share of charge backs from people who don't know what they're buying or they buy something and always had the intent of filing a charge back in order to get a free service.



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Razzy

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QuidTask

We get 30+ disputes monthly from India, 10+ from Bangladesh, 10+ from Pakistan and 5+ from Nigeria. While there are legit buyers from those countries, i must say that the majority of them just order our services to resell and then reject the order. We have reported this issue and this is how it is for 2 years now, we think that it finally needs to be resolved.




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DarthHazard

It's awful. But you have to be careful with PayPal as well. Just because you use PayPal, it does not mean that you are protected from cashback. I was selling through eBay and I actually got several claims of cashback for the products I sold by the buyers claiming that their credit cards had been stolen. Luckily, I actually won all the cases and it meant that I did not lose any money but I have read that a lot of people have had the same issue and they have lost. So be careful whatever payment processor you decide to use.




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JoeMilford

Thar is really terrible! Sorry to hear that you had to go through that. I am using Payoneer for one site, and I am waiting for my first payout, and your post makes me more than just a little nervous. I have never had any issues with Pay Pal, though, and I would recommend them to friends and fellow businessmen as well. These cashback scams are ridiculous, but I am glad that there are ways to counter them and hopefully get one's money back or paid in the first place.




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wiseagent

So, you mentioned the Payoneer...

Just for the sake of curiosity (because I've never met anyone who has used this system before I read your comment): Which one is the best: PayPal or Payoneer?

From what I have read so far, PayPal seems to be more efficient.




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JoeMilford

So far, I would say Pay Pal, from my limited experience. The benefit of Payoneer, from what I can understand, is that it is global. Pay Pal is easy for my, because I live in the United States, but I think that Payoneer is a great option for those who are abroad, actually.




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wiseagent

Some of my friends have used Payoneer for some time but they ended up switching to PayPal because the advantages were better. I've particularly never used it because PayPal has always been my first choice.

But thanks for the feedback.




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JoeMilford

Actually, the only reason I have a Payoneer account is that at one of the places I freelance, they do not have the Pay Pal option, so I had to go with Payoneer to get paid. I think this might be because Pay Pal is not available overseas where this job is located. So far it is working fine, although I do prefer the advantages that Pay Pal offers and would be using then exclusively if I could.




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wiseagent

I understood. Only use PayPal when starting out.  Avoid the other payment processors.

I've never needed any other method to receive my payments, so... I've never felt the need to use other means. So far, PayPal has worked perfectly fine.

Thanks again for the feedback, dude.




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kgord

You can't always get satisfaction with PayPal either. I have had some problems with them as well. My disputes were small though and did not amount to a lot so this is one of the things that I have noticed with PayPal. It is just one of the things that seems to happen when you do transactions online.




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DarthHazard

That is exactly what I commented as well. Most of the cashback claims that were put against me actually failed and it meant that I did not lose too much money. But I did lose one claim and that cost me £20. Thankfully I did not sell a massive product that was much more expensive otherwise I would have lost a lot more money. PayPal isn't the best when you have a problem either, they take way too long to resolve the problem and they sometimes add stupid fees as well.




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overcast

This is serious. I think the marketplaces such as this are having those subcontracting issues. And this needs to be handled properly. And though I am from Asia. I'd be doing the payoneer for my work. Because I rely less on the marketplace and subcontracting gigs. So I work 1-on-1 work with the client. And for this the thing is that payment processing needs to be secure like payoneer and paypal.

As of now for me payoneer is working just fine. But I am thinking that people need to get their game up properly on platform such as this. And they have to be pretty serious with the way they work. I hope things get settled properly.




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JoeMilford

It's good to see an endorsement for Payoneer. I just started using them, but I have not yet received my first payment yet as it is in due process. It's taking much longer than they said it would, though, so that makes me a bit uneasy. However, the delay is not on Payoneer's side, i don't think. It's on the client's side, so I am pursuing that issue.




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overcast

Payoneer releases payment same day compared to paypal which takes 2 days for bank delays. So the payments are lot quicker with the payoneer. But the thing with payoneer is that they are not that good with handling the chargeback. And they often have confusion with which side to take. So I say one has to be going through the clients platform like say ionicware and fiverr for protection. Because customers that call for the chargeback end up having more financial issues in due time as well.




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JoeMilford

Actually, now, if you use your debit card choice, PayPal pays you within 30 minutes, or almost instantly, actually. They charge about 25cents for this convenience, but it is worth it. It goes right into your account.




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overcast

Unfortunately they don't have the paypal card system for our country. So we can't get that system. But it'd be reasonable to use it. Considering the cheap rate. I'd surely would like to use that. I mean 25 cents is very low and also it'd be saving a lot of bank money in process.




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JoeMilford

Actually, I have really enjoyed using this option. It gives me an instant feeling of satisfaction after finishing jobs online, and at the end of the day, I can cash in my earnings, with the small fees, and then have the money instantly in my account. It's pretty awesome. I am pleased with this service and would use Pay Pal just for this reason, actually. I am sorry you do not have this option where you are from.




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overcast

I recently moved to the Payoneer. And the money is lot better through them. You have less currency conversion cost to pay. And also there are less fees on the side. Just only difference of 20$ as minimum payment required. So that is not bad if you ask me. It can be good enough for those who want to avoid paypal's issues they may likely to face.




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JoeMilford

Actually, I should clarify here. The vendor is the one taking too long to get the deposit to Payoneer, now that I have looked into it. Knowing that Payoneer pays out the same day is really great news, and I hope that this issue gets worked out soon. I've been waiting two weeks for this particular vendor to make good on their promise, and it is getting frustrating, I must say. Such is the plight of the average freelancer, as I know. I also agree that ionicware is a solid institution.




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overcast

Yes they do pay in single day. And also the time required for the bank transfer is definitely good. I also like the currency conversion part. Not sure if you are in US or not. But if you are outside US then it can be seen that the currency conversion rate definitely sounds attractive. So on that basis, It'd be reasonable to start with the payoneer if the vendor approves.




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peachpurple

Sorry to hear that. I had been using paypal for the last 9 years without having any problems. I used it to receive payments, I don't buy anything with paypal. So, I guess I don't have any issues with that.




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JoeMilford

Same here, peachpurple. I only receive payments from PayPal and then I take the money they deposit and use my bank account for purchasing. I have heard that people have issues here and there with purchasing from PayPal, so I have been wary of that myself and steered clear of it. I guess this might limit my use of the service, but it is still fulfilling my basic needs of payment, so I am still happy with it.




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augusta

it appalling how people will just wake up daily to defraud people of their hard earned money.

you order for a service with the intent of defrauding the seller.this is just sad.

I think the best bet is to use PayPal as your payment processor, it more secured and safe




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wiseagent

I'm really sorry to hear that. This is a very worrysome situation.

I've been a PayPal user for a few years now and until today I've never had a single problem at all. PayPal meets all my needs in a fantastically fast and effective way.




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Baburra

I agree. I work in online retail and I am happy just using Paypal. I have thought of dabbling with the other services but ultimately, I thought to myself that the grief I'd have to put up with wasn't worth the extra income I'd potentially be getting just by setting up other payment services. I had to let go of the thought that I was missing out by not participating in other payment processors outside Paypal, and while I may be missing out on a lot of business, at least I am not constantly worrying about getting scammed.




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JoeMilford

Baburra,
It sucks that you have to loose possible business opportunities to trade off for security, but given the choice, I would make the same safe one that you have decided upon. It's not worth the risk, and once you have found a system that really works for you, like it sounds to me like you have, then why fix what's not broken, as they say. I primarily only use PayPal, and it has been great for me too, so far.




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Joteque

I've never had an issue with Paypal. I've had issues where Paypal has helped me to resolve problems that I have experienced purchasing through sites like eBay. I've signed up for some other payment options and they have been ok so far. I'm still new to SeoClerks so I haven't made any sales here as yet and I not exactly familiar with the process. I look forward to this venture though.




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JoeMilford

I would like to go on record here and say that the customer service I have received so far at Paypal, regardless of the issue, has been awesome. I even had an old account from years ago which I could not access, and they merged it with my new account allowing me to recover revenue that I did not know I even had and that I would have definitely have lost.




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randomzzguy

yeah i agree, the hastle for payment might drive you to quit, paypal is easy to use and manages everything for you




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honeybabe

I’m sorry to hear that...Me I’m using PayPal for years now sometimes it happen somedisputes and they manage to solved it. No problem when I'm sending and receiving
money. I have smooth transactions in my PayPal. Still PayPal is safe and reliable.




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djwaruna

I Hate to Paypal company.
They are limit my account with some money




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wiseagent

Is your account a verified one? This type of problem that you're reporting is usually associated with accounts that for some reason haven't yet been verified.

The limits actually exist until you verify it.




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Barida

You're right on this considering the fact that PayPal is not only the better choice if one is starting out in a business and that is the reason that I signed up on PayPal. It is quite unfortunate that I noticed that PayPal does not allow Nigerians living in the country to withdraw their earnings using the platform. Aside from that, Paypal is quite good for new businesses.




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Pixie06

I am an online seller and I accept payment through PayPal only. I find it more convenient to use PayPal. I have had issues with certain customers who made payment through their credit cards. The customer service at PayPal is really efficient and they have always addressed all my issues in a timely manner. I was accepting payment through Skrill also some time back but not many people were using it.




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cmoneyspinner

Well, you certainly schooled me. You try to accommodate your customers and they don't return the favor. Lesson learned, Thanks for sharing your experience with us.




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Judas2018

I allow my customers to pay through credit card or debit card or paypal. More options is better. If a situation should arise where it comes back to bite me, I'd consider moving to only paypal. Right now though, I've never had a customer order any services from me without using Paypal so works for me I guess.




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hazelandrea

Paypal is like the most common/popular way of medium for sending and receiving money aside form banks. I use it for my online business and I get and send payments because it's just so convenient and it can convert money for less.




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Corzhens

I have been using Paypal ever since I started earning from online work. And I have no issues with it. But admittedly, it is not easy to open an account with Paypal because first, you need a credit card to attach to your Paypal account. When something goes wrong with your transaction, Paypal can charge your credit card. And for withdrawal, your Paypal account needs to be connected to your bank account. When I did all that, it was smooth sailing ever since.




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