can somebody please help me, I have a bit of a problem with my Paypal account on Ebay?

Question

the thing is when I opened the account it asked me to give them a "Credit Card", and also my "Bank Account"details, for which I thought was strange.

the thing is I,ve been selling on their no problem, but when I have to pay my selling fees to ebay they take the money from my Credit Card, is their a way of using a Debit Card to pay them rather then use a credit card so the money comes straight out of my account rather than off my Credit Card ?

I can't see why they want a Credit Card as well as my Bank Accoutn Details can't I just pay them via my bank account's debit card ?.

I'm very Confused, any help would be greatly appreciated .

Cheers :)

Answer 1

If you have money in your Paypal account, Paypal uses that until it is all gone then uses your credit card. Bank details are so you can transfer money from your Paypal account into your bank account.

Answer 2

ON your my ebay page there is a place to click on the side bar for seller account. There will be a box with the amount you owe and a place to click to pay the fees. You can pay them any way you wish from there, just enter the information. I try to pay as I go, I use my paypal account, but have used my debit card before too.

Answer 3

Hi,

I had the same problem, but after I emailed Paypal, they confirmed that they are verifying me by my credit card.

Paypal has alot of fraud, & I guess this is just another way to control it.

Anyone can open a paypal account under anyones names. It only becomes safer when you actually want to pay ebay or withdraw money out of your account.

I refuse to give Paypal my credit card details.

Now, I just pay my seller fee's directly from ebay using my bank account.

You can do this by clicking SELLER ACCOUNT under "My Ebay"

It's a pain, but you could withdraw the money from your paypal into your bank account on ebay, then pay ebay that way.

Goodluck,

Answer 4

Are you sure you are logging into eBay?

If you are in eBay, you can set the payment options to use a standard credit card and NOT use your PayPal account.

Otherwise, the standard setup thru PayPal is to have a bank account associated with it for funding your PayPal account.

Answer 5

Just update your account by adding your debit card and deleting you credit card.

Answer 6

First, with regard to what kriskros54 and Carling said:

kriskros54, it is safer to give out your credit card number to a merchant/company like PayPal than it is to give them your checking account number. The laws and regulations are different for each, and it's MUCH easier to dispute a credit card charge than a direct checking debit, whether through a debit card or direct ACH transfer.

Carling, I do see your point, like maybe the questioner had gone to a phishing site, but I think he is just talking about the normal PayPal procedures—they DO require either a checking account or that you sign up for their own credit card, in order to be a "verified" user. You can still do certain things without being verified, most people wind up wanting to have the verified status.

OK, now for my answer:
Please see http://www.paypalsucks.com/. Don't get me wrong, I use PayPal and EBay myself. However, given what that site talks about and knowing in general how shady PayPal and EBay seem (to my taste and based on my reading) to be, I would do as follows:

1. Open a separate checking account that you will use ONLY for PayPal.

2. Give PayPal the info for that checking account as well as info for a credit card (if you want). (They require the checking account in order to be verified, unless you sign up for their PayPal Plus Credit Card, which I would not do unless you really want it for some reason.)

3. I recommend that you DO NOT give PayPal a debit card number, but if you do then give them one which is ONLY linked to the account that you set up in Step 1.

4. As needed, transfer funds into the account you set up in Step 1 to cover your PayPal transactions. Or, as one answerer pointed out, just use your credit card to transfer any funds as needed, and keep that bank account empty or very close to it, and only use it to collect the money FROM PayPal when your PayPal balance gets high enough.

Why all of this? It sounds complicated, but it really isn't, and it will protect your money reasonably well. Your existing bank should be able to set up a second account for you, one with no fees, no minimum balance, and which pays you no interest. By using the above methods, you can have the benefits of having a "verified" PayPal account; but you can just keep a very low balance in the account that is linked to PayPal—for me that is $50. For you maybe it will be $1,000 and for someone else maybe it will be $1. In any case, this way if PayPal or EBay screws something up, they will only be able to tie up $50 of my money (unless your bank is stupid and transfers the money from your other account.) Also, I think it's safe to give them a credit card number, because if they make fraudulent charges against your credit card you can easily dispute them. Plus, a credit card charge ties up the card issuer's money—not yours. The credit card cannot legally hold you liable for fraudulent charges. Let PayPal fight your credit card company; your credit card company will have a lot easier time winning against PayPal than you will. In contrast, if you give PayPal or anyone else the ability to directly debit money from your checking account, that money is MUCH harder to get back, even if it was taken fraudulently. You would in all probability get the money back eventually, but think of the consequences of not having the use of $100, $1000, or $10,000 (whatever amount they screw up and incorrectly take from your account) for some period of months while you figure it out legally. With a credit card, you are legally required to pay only the first $50 of any loss due to theft/fraud, no such limitations exist with a checking account. [Note: This is all assuming you are a U.S. citizen.]

Full Disclosure: I am not affiliated with the paypalsucks.com Web site, and I also have not had any negative experiences with PayPal or EBay in this way. This is just how I personally handle my interactions with them for the sake of caution.

Hope this info helps you.

Answer 7

login to your paypal account and remove the credit card then replace it with your direct debit

you could have used your direct debit card instead of cc i did mine with a solo card

Answer 8

You idiot can't you tell when your on a fraud website... you are never ASKED for your bank details by pay pal or any other web sites
Get in touch with pay pal. and your Bank NOW if you have given out you details,,, and any card company if you have given out your card details.

go to the website link below and download Mozilla Fire fox 2 web browser, it will tell you when your on a fraud website and tell you to get off it is the safest web browser out there