I hate paypal!

[Mot_Soldats]

That's ridiculous. You'd rather give your own credit card details over the net to people you don't know than have someone do it for you who also refund you if something goes wrong?

I can get a change back from a credit card it self. Here some quotes from paypaysucks that using paypal is more of a risk/pain then a cradit card alone:

"The nation's largest online payment service, PayPal, is paying New York $150,000 in penalties after misrepresenting to consumers its policy on repayment when merchandise doesn't arrive, the state attorney general said Monday. ... PayPal, which has 40 million customers worldwide, had specifically stated that it provided the same rights and protections of a traditional credit card transaction, said Attorney General Eliot Spitzer. But consumers were often denied those rights, he said."

PayPal says they will honor claims only filed within 30 days. I know my credit card has a 1 year policy for chargebacks and 90 days for billing disputes. So you still don't get equivalent consumer protection when using PayPal.

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Here is what appears when you try to use your credit cards instead of the bank transfer (presuming you are "verified")

Funding Confirmation - Secure Transaction

Before you change your funding source to your credit card, consider the benefits of paying with your bank account:

* This payment is eligible for up to $500.00 USD of coverage with PayPal Buyer Protection.
* You're still paying instantly and securely - without the worry of increasing debt
* Paying with your bank account is instant and your payment will be completed immediately just as easy as paying with cash
* PayPal keeps your bank account information safe and secure through military

grade encryption and 100% coverage of any unauthorized use

Do you still want to change your funding source to a credit card?

At the bottom the "yes" option is in almost unreadable type while "No" is in boldface. After you pay, another pitch comes on telling you why using the bank transfer is safer & better then that silly old credit card you signed up to use.

Obviously PayPal is trying to get people to STOP using their credit cards to fund their PayPal account. However, if you do, you have zero protection. If you do use your credit card, you will have protection, but only once, as using that protection puts you in violation of PayPal's ToS, so you can't use PayPal again.

Disclaimer: I'm not a lawyer. The above is not legal advice. It's my opinion as a reasonable person reading their ToS, and seeing the actions taken by PayPal against people who try to use their consumer protection rights.

There is a lot worse said about them though I'm sure some is out of date by now. Bottom line paypal has a bad rap, I want to limit my risks that's all.