Thanks to everyone here for this forum it has been awesome so far but I'm about to start a T-shirt business and I only want to know from the people here with websites and using ONLY paypal on there sites the pros and cons of it being on your site thanks in advance
We use PayPal. Some people still ask to write us checks cuz they are not comfortable with PayPal. I think they are unfomfortable with online transactions in general.
PayPal only here also, but mostly because my monthly sales are pretty low right now since I just started about 1 month ago.
I think PayPal is the best to start with because they don't have a monthly fee. The debit card is also a great feature and you get money back when you use it to buy things, like Discover Card.
I've read that once you get above $5K in monthly sales it might be better to get a merchant account, but it all depends on the merchant terms you are able to get.
I'd be interested in hearing if anyone wants to compare PayPal to Google Checkout.
I think PayPal is the best to start with because they don't have a monthly fee.
That is the biggest advantage to using Paypal, no monthly fee. They make up for it by charging a higher percentage than a seperate merchant account would charge.
Just be advised, like all credit card companies, they are not merchant friendly.... all of their rules, etc are designed to protect the card holders, not the merchants.
Paypal are crooks. Just hope you never have a customer file a dispute. If they do, expect to write it off as a loss. In my case, I have been waiting 9 weeks for them to settle a $3200 dispute (which Paypal withdrew from account). Absolutely no seller protection with Paypal.
wow!!! that makes me want to rethink my decision with using them!
are you sure i shouldnt open a merchant account?
The same thing could happen with a merchant account. Customers can do "charge backs" and it's up to the merchant to prove their case.
Sometimes the merchant account providers don't give the merchant a chance to prove the merchandise shipped, they just give the money back to the customer.
There are times when PayPal will side for the merchant as outlined by their Seller Protection Policy.
It took three weeks of me calling every day, speaking to management, etc. for Paypal to submit my evidence to the credit card company. They then withdrew all of the money that I had in my account. After several weeks I called for an update, and they said that the credit card company has 75 days to respond. When I asked for the phone number for the American Express department that deals with chargebacks so I could deal with them directly, they would not give it to me, because they said that Paypal was acting as the merchant in the transaction. I then asked if they were acting as the merchant, then why aren't they taking financial responsibility for the transaction until it is resolved? They didn't have an answer. After several weeks, I had to pay a vendor who sent a Paypal money request. I paid the $110 money request, and Paypal charged my cc $1095 to cover the remainder of the chargeback. I disputed the overcharge with my credit card company, and Paypal locked my account. So pretty much, I cannot deal with the credit card company directly, Paypal is in no hurry to pressure them to make a decision, and I have no recourse if for some reason they do not rule in my favor. Yes, they're crooks. I understand that with a merchant account, that I would still have to pay back the money while the chargeback was being reviewed, but at least I could present evidence that day, and I could speak with the credit card company directly. I assure you that it would not take over 9 weeks to get that money back if I dealt with them directly.
/Paypal rant
How many of you are using Paypal 
Re: How many of you are using Paypal 
