Originally posted by QuixoticTonic Does paypal use credit card only in some countries rather than having a bank account funding option? I'm considering only accepting personal payment funded through bank account (for international) as a way around the draconian requirements paypal has in place regarding shipping methods. There has been some dispute about exactly what those requirements are, but I'd hate to get a chargeback because I didn't ship via a $75 method and paypal decided to be strict with me.
Basically I would do this:
1) State MY final price (the amount I will take home after shipping and fees)
2) Require 1% on top for cross border payment
3) Offer whatever shipping method and cost the buyer wants and is comfortable with depending on their preference and confidence in USPS and their local post. This could be a money big money-saver for the buyer depending on their comfort.
4) For $1.15 add a service called proof of mailing (available even for the cheapest shipping methods) whereby the postal employee fills out a card that certifies the package was accepted and the address it's going to. This would guard against a package never actually being mailed.
5) Inform the buyer that the package will not be marked 'gift', but will put 'used lens' and maybe even round the stated value down a bit.
Personal payment funded through bank helps for a couple reasons. First, it saves three percent. Second, without credit card companies involved the risk of chargeback is reduced (possibly to none). I believe paypal offers less buyer protection through personal payment, but if a seller establishes good feedback and supplies adequate pictures, then that can be considered by buyers. It's true that it transfers some of the risk to the buyer, but if I have the option to sell CONUS and am being asked to send to Latvia, then I don't want the risk to be my problem.
Thoughts?
Chris
As someone who has been selling online for 12 years, the personal risk has become increasingly not worth it (maybe I'm just tired of dealing with the bullshit). Even when they agree to pay by Personal account rather than CC, (after they've finished crying about the shipping expense) they still fund with a CC, costing you the 3 plus percent. In this case I refund the money and tell them to go pound sand.
Then, in the case of the bay, when their country kicks them in the balls with a long customs wait, the duties and VAT, they bitch that it's Your fault. This applies more to the first timers though. The second and third timers will ask you to under declare it (but insure it for full value) and tag it as a Gift. I had Several such requests even here in the marketplace. They want the 'lower cost' of the item and want You to cover the added cost in time (and sometimes money) to get it to them.
I stand by the comment I made in your ad (sorry for adding to the BS). If you don't want to do it then don't. It doesn't matter what anyone else thinks of it.