Warriors...Why not use Google Checkout instead of Paypal...

Headfirst

13 years ago

I was thinking of using Checkout for an upcoming project as well.

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paintbrush4u 13 years ago

Originally Posted by Headfirst

I was thinking of using Checkout for an upcoming project as well.

Can you please let me know the results... of the your project.....
Would love to learn...
you can email me at optins411[at]gmail

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-PB
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justaskbigjohn

13 years ago

Clickbank is the best for Internet Marketers

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Karan Goel

13 years ago

I'm slowly starting to hate PayPal. They (with RBI) have made it impossible for us to transact online.

I just got this error while sending some amount to one of my friends' Indian PayPal account:

In accordance with Indian regulations, funds in your PayPal balance cannot be used to make payments for purchases. Please use your credit or debit card to make purchases and send payments.

Now, I don't want my CC to show any payments made. I want to spend MY money in my PayPal account.

WTF???!!??

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paintbrush4u

13 years ago

Originally Posted by Karan Goel

I'm slowly starting to hate PayPal. They (with RBI) have made it impossible for us to transact online.

I just got this error while sending some amount to one of my friends' Indian PayPal account:

Now, I don't want my CC to show any payments made. I want to spend MY money in my PayPal account.

WTF???!!??

Karan.. now is that a RBI thing or a paypal thingy? I thought Reserve Bank of India was more open for the money to come into the country....

Pretty silly that these hoops that you have to go thru to access your own money...

How are you overcoming this issue...

If you need help let me know....

PM karo mujhe....koi kaam ho to (excuse the lingo folks)....

Thx
-PB

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Karan Goel

13 years ago

Originally Posted by paintbrush4u

Karan.. now is that a RBI thing or a paypal thingy? I thought Reserve Bank of India was more open for the money to come into the country....

Pretty silly that these hoops that you have to go thru to access your own money...

How are you overcoming this issue...

If you need help let me know....

PM karo mujhe....koi kaam ho to (excuse the lingo folks)....

Thx
-PB

It's pretty much an RBI thing. PayPal had made the changes on the orders issued by RBI.

See this:
https://www.thepaypalblog.com/2010/0...tion-in-india/

Zarur karunga...

Karan

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Sagar Mehta

13 years ago

Originally Posted by paintbrush4u

I have heard volumes of horror stories of perfectly legal transactions of small business owners accounts frozen and closed out... without so much as a warning...Lives devastated....or atleast product launches interrupted.

There are horror stories for Google Checkout too - and they are not any better than PayPal is.

To me, I use PayPal because it's easy, works out of the box and is a brand that's widely recognized online.

Something you could test is to use PayPal & Google Checkout as part of a split test and see which converts better - keeping everything else the same. That'll show you if you'd LOSE or GAIN business using GC.

Originally Posted by Karan Goel

I'm slowly starting to hate PayPal. They (with RBI) have made it impossible for us to transact online. Now, I don't want my CC to show any payments made. I want to spend MY money in my PayPal account. WTF???!!??

Yes, since I'm in India, PayPal has become stringent with how I can use my money, you cannot blame just PayPal or the RBI for the whole fiasco. Many people have used their PP funds to buy stuff online, without as much as reporting it for tax purposes back in India (not pointing at you, Karan). Given that, RBI's step (and PP's policy change) was going to come, one day or the other.

Does it affect honest PP users? Yes, but that's the way life works.

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alfeathea

13 years ago

Google Checkout is OK with me, never had any issues.

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Chris Worner

13 years ago

Google Checkout isn't available in Australia for Merchants. Despite Google announcing 4 years ago it would be.

Chris

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ksmusselman 13 years ago

I've used both and they're both fine. If I had a customer who absolutely did not want to pay through PayPal, I'd send them an invoice through Google checkout without no hesitation.
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paintbrush4u 13 years ago

Originally Posted by Chris Worner

Google Checkout isn't available in Australia for Merchants. Despite Google announcing 4 years ago it would be.

Chris

Chris...
Would you use GC when the big G arrives downunder....

Oh BTW I am an alumni of Griffith Uni...while doing my MS....Are you QLD by any chance?
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Skribblez 13 years ago

Originally Posted by Chris Worner

Google Checkout isn't available in Australia for Merchants. Despite Google announcing 4 years ago it would be.

Chris

I also find this disappointing.

I remember being excited for when they will finally open their checkout system to Australian merchants, but it never became a reality.
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magnates

13 years ago

I have friends that have had similar problems with Paypal . even after prompting Paypal that are expecting substancial income in the coming day , Paypal still froze their account on the grounds that they suspect that some fraud occurred .

That why I prefer clickbank . They expect huge incomes in a short time . They make things very easy for you and you have to worry about affiliates promoting you .It is quite easy

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premiumplr

13 years ago

I use both.
Some people always keep a little mad money in their paypal account and if they don't have the accompanying debit card they can't pay using GC.

Paypal is quite annoying but right now to totally get rid of them would limit customer options and that's the last thing I'd want to do.

Google checkout has it's own issues as well so I'm not ready to hail them as the solution just yet. I hear good things about alertpay.

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GAVROCHE 13 years ago

Some places, eBay for example, are accepting only PayPal.
Google Checkout, Money Brokers, Alert Pay are not accepted by them.
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- aminwasu 13 years ago
  
  PayPal is good enough for me. Never had a problem with them.
  
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fanimal

13 years ago

Yeah, PayPal is quite limited in some countries (people are not able to use bank account with it). Moneybookers is pretty good option, they also have lower fees. They announced recently that they would rebrand to Skrill so we will see what changes will that bring.

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22SunnySideUp

13 years ago

Paypal is painful. They skim off lot and feel they owe us (sellers) nothing. I once had $3K in my paypal account and accidently deleted my bank info from the account, while trying to set up another account. Anyways they closed my accounts and I got an email saying my funds will be released to my CC in 180 days!

I doubt GC will be any better. Money bookers is better.

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CDarklock

13 years ago

Originally Posted by paintbrush4u

Why would not use Google Checkout instead of Paypal to collect your payments...?

Many services only work with PayPal.

Google checkout is nice, sure. But features do not exist by default; someone has to write them. And since most people are using PayPal, the first thing developers support is PayPal.

Once the project is done, there are more then enough bugs and feature requests to keep everyone busy and "we'll support Google Checkout soon" becomes "who cares about Google Checkout anyway."

Even if the team does turn around and add Google Checkout support, it will have all the same bug reports and feature requests as PayPal. But there will be fewer people using it, and the workaround in the early days is likely to be "that doesn't work with Google Checkout yet; if you really need it, use PayPal."

After all, if you have a bug in two places, the most important place to fix it is where more users are affected. Which means the PayPal crowd.

The real head-scratcher for me is that I don't see any good reason to switch. It's not like PayPal is teh suck, and Google Checkout's primary benefit seems to be "works in more countries." So if I can use PayPal just fine, and so can most of my customers, why switch? It just doesn't seem to have any real benefit.

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Raindance

13 years ago

I've also heard a lot of good things about 2checkout.

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paintbrush4u

13 years ago

Originally Posted by Raindance

I've also heard a lot of good things about 2checkout.

Have you tried it.....
I need to check it out.....
I hate the games that Paypal plays when you do simple things like just move money to your accounts...
Its getting to me and am looking to keep my options open...

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majay

13 years ago

you are atleast lucky that you are able to access these systems in your contries.I have heard that Kenyans cant access their monies through some of these systems including paypal

Count your blessings

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paintbrush4u

13 years ago

Originally Posted by majay

you are atleast lucky that you are able to access these systems in your contries.I have heard that Kenyans cant access their monies through some of these systems including paypal

Count your blessings

Majay...we do count our blessings....its just that we dont appreciate when we encounter wolf in sheeps clothing...

I am sorry to hear about Kenyan's not being able to access their earnings...bt trust me..there are americans too in North America, who were rail-roaded in accepting TOS of paypal at times.....

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Bradley J Anderson

13 years ago

Originally Posted by Raindance

I've also heard a lot of good things about 2checkout.

I used 2checkout for almost 3 years and never had a problem until I switched to another provider. In those 3 years I made almost $15k in sales for a $29.99 product, and I only had 1 chargeback in that entire time, and that was from a stolen credit card. Then it took almost 4 months to get the rest of my money, because they said they had to allow ample time for chargebacks and refunds.

Other than that, though, 2checkout was an excellent, easy-to-use solution, and my checks ALWAYS came on time.

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paintbrush4u 13 years ago

Originally Posted by High Horsepower

15k in sales over 3 years is peanuts. How are they when you run tens of thousands per month. I spent over 15k at Starbucks in 3 years.

This thread is not about who spends more on what...I started it to get some ideas flowing that would help the community (including me)...
You might as well spend 15K on starbucks in a month...more power to you...

someone has to stimulate the economy...and what better way to do that than....drop some money at starbucks and conduct some biz while you are there....

I guess the thing that is worth mentioning is ...while you spent that kind of money at this vendor... did you take care of the barista's there.... were you a good tipper....? I certainly hope so...

Hey BTW... do you see a relationship between drinking coffee and cashing checks...?
But then again... I start digressing....
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paintbrush4u

13 years ago

Originally Posted by Brad armPitt

I used 2checkout for almost 3 years and never had a problem until I switched to another provider. In those 3 years I made almost $15k in sales for a $29.99 product, and I only had 1 chargeback in that entire time, and that was from a stolen credit card. Then it took almost 4 months to get the rest of my money, because they said they had to allow ample time for chargebacks and refunds.

Other than that, though, 2checkout was an excellent, easy-to-use solution, and my checks ALWAYS came on time.

@Brad [if thats your real name]....knowing what you know now... do you think you would prefer to use 2Checkout for transaction processing if you were running lets say 15K a month?

Why or Why not?

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caseyscreen

13 years ago

After reading your review i think i should try Google Checkout once.

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imfusa

13 years ago

Originally Posted by paintbrush4u

I am planning to use Google Checkout instead of Paypal for my product offerings and I was wondering which one to use.....

I have heard volumes of horror stories of perfectly legal transactions of small business owners accounts frozen and closed out... without so much as a warning...Lives devastated....or atleast product launches interrupted.

I wanted to ask experienced Warriors....

Why would not use Google Checkout instead of Paypal to collect your payments...?

Are their fees too high?
Do they not provide similar or better service?

YouTube - Why I Hate Pay Pal

Am evaluating...one against the other....

I don't want to embolden somebody who is practically monopolizing the marketplace....I don't want to be at the mercy of any one big corporation.. coz that would become the single point of failure....

Any ideas....?
Would appreciate your views on the subject....

Thanks
-PB

I was thinking to use google checkout as payment processor, but i cannot use it because it is available for merchants from U.S.A and U.K.

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NovaPublications

13 years ago

Used Google Checkout for some time as well as Paypal, so you do not need to be exclusive. However Google Checkout is no way near as user friendly as Paypal. When we did it we have to remember to go into out google account and confirm the payment. Which is a pain if you are receiving lots of payments - not sure if this is the same now. Anyone know? Paypal is just easy, simple, practical and everyone uses it.

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NovaPublications 13 years ago

We also use ClickBank of course but this is for affiliated products. If you want to receive your own payments through your own site without the ClickBank policies restrictions, then Paypal seems to work well. We also have a WorldPay account and our own shopping cart software, but WP are being taken over and their site is atrocious!
Paypal is just the best.
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Nisip

Banned 13 years ago

Paypal is the best for 5-10 people and it has ruined the lives of hundreds of thousands others.

Read Paypal Problems, Information, Issues, Class Action Lawsuits - PayPal as well as the hundreds of thousands of video testimonials on youtube about how Paypal is treating its clients, how they are simply freezing accounts only because they like money and profits and they are greedy

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donhx

13 years ago

Originally Posted by Nisip

Paypal is the best for 5-10 people and it has ruined the lives of hundreds of thousands others.

Read Paypal Problems, Information, Issues, Class Action Lawsuits - PayPal as well as the hundreds of thousands of video testimonials on youtube about how Paypal is treating its clients, how they are simply freezing accounts only because they like money and profits and they are greedy

You do realize that this is just an affiliate site using ancient PayPal horror stories to get people to sign up for expensive credit Card Merchant Accounts, right?

You know the court case mentioned in all the scare stories dealt with an issue from 1999, before eBay bought Paypal, right?

You understand that CC companies and banks can and do freeze accounts too, if they suspect fraud, right?

Just wanted to make sure. PayPal has over 250 million customers, and most of us are happy.

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mygold

13 years ago

I am from BD. Have you any other payment method that would be supported in our country.

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rajivkumar900

13 years ago

paypal were best option for indian in past but nowdays they are sucking our funds like hell, we are bound to pay through credit cards even though 1000's of dollars lied in our accounts..stupid company but we have to bear theme until we get some solution..apart from this clickbank is good option.
No experience with google checkout so far.

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paintbrush4u

13 years ago

Originally Posted by rajivkumar900

paypal were best option for indian in past but nowdays they are sucking our funds like hell, we are bound to pay through credit cards even though 1000's of dollars lied in our accounts..stupid company but we have to bear theme until we get some solution..apart from this clickbank is good option.
No experience with google checkout so far.

Is there no other option for Indian... besides PAYPAL...
I just hate when PAYPAL makes money on floats... when you transfer money into paypal.... it shows up in paypal account almost immediately...but when you transfer the money back to the bank which is in the same city as PAYPAL is.... MYSTERIOUSLY the money disappears from both accounts for a COUPLE of days atleast...

Now that's JUST PLAIN WRONG. They MAKE MONEY ON FLOATs.

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Raindance

13 years ago

The good thing about setting up your billing page with 2checkout is that it accepts paypal payments. Your buyers can pay by both credit cards and paypal. I've never used it though. Hardly sell anything of my own. :rolleyes:

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Traffic Eagle

13 years ago

Paypal is like the "accepted" method of payment among IM marketers but it is not perfect by any means. Using an alternative payment processor for your offers is advisable these days because of the sheer number of people who dislike using paypal for one reason or another. I seriously think that not having an alternative method of payment means you are leaving money on the table.

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paintbrush4u

13 years ago

Originally Posted by Traffic Eagle

Paypal is like the "accepted" method of payment among IM marketers but it is not perfect by any means. Using an alternative payment processor for your offers is advisable these days because of the sheer number of people who dislike using paypal for one reason or another. I seriously think that not having an alternative method of payment means you are leaving money on the table.

I sooo agree....
Its not just leaving money on the table...but you are voluntarily relinquishing control of your business finances on someone's whim and fancy. A very scarry proposition..

I can give up profits and I can give up clients....one thing I never want to give up is CONTROL OF MY BIZ....

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jasonthewebmaster

Banned 13 years ago

Google checkout fees are 2.9% + .29 cents - or lower if you do a lot of volume -

they transfer the money to your bank account daily, automatically, without you having to do anything... 2-days after each transaction... in a daily batch... so much easier than logging into paypal every day to withdraw money

and lastly they will not get anal about you and block your account. they even have digital delivery built into the payment buttons

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paintbrush4u

13 years ago

Originally Posted by jasonthewebmaster

Google checkout fees are 2.9% + .29 cents - or lower if you do a lot of volume -

they transfer the money to your bank account daily, automatically, without you having to do anything... 2-days after each transaction... in a daily batch... so much easier than logging into paypal every day to withdraw money

and lastly they will not get anal about you and block your account. they even have digital delivery built into the payment buttons

Now thats what I am talking about...

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Robert Puddy

13 years ago

Nobody else but paypal has a complete IPN

they have a better product and are more widely used and recognised

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bobsilber

13 years ago

You should never put all your eggs in one basket and should have a backup plan like
squareup.com, Amazon Web Pay, Venmo.com,Traditional Merchant Accounts, and the others mentioned in this thread.

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paulie888

13 years ago

I have a Google checkout account, and used it to get paid at certain websites before in the past. I like the fact it is so convenient to receive money with it (it's just like a regular merchant account where the money is deposited straight into your checking account), but it seems like the market has spoken in its general preference for Paypal.

Paul

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calfred

13 years ago

I was chatting with a Filipino writer and found out his PayPal got put on Limited Account status for no reason out of the blue. Random.

Result?

He has over $400 in the account.

PS: This is an honest and hardworking guy in the Philippines in which $400 is easily a professional income over there a month. And he's at the receiving end, meaning he receives payment from employers.

PSS: The good news is, he's getting it back within 10 days from now.

Lesson: He also told me PayPal will suspect anyone who tries to send a payment which is over $500 for money laundering.

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Caleb Spilchen

13 years ago

For me, I can call PayPal with any issue that I have... I have not, as of yet, seen a point of contact where I could call Google Checkout.

Caleb

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Karan Goel

13 years ago

Originally Posted by Caleb Spilchen

For me, I can call PayPal with any issue that I have... I have not, as of yet, seen a point of contact where I could call Google Checkout.

Caleb

And how did your buyers like GC?

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Caleb Spilchen

13 years ago

Originally Posted by Karan Goel

And how did your buyers like GC?

I never said I've used GC, although I do hold an account there..

The reason as I said, is I have no point of contact, which is something that discomforts me.

Caleb

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Karan Goel

13 years ago

Originally Posted by Caleb Spilchen

I never said I've used GC, although I do hold an account there..

The reason as I said, is I have no point of contact, which is something that discomforts me.

Caleb

But I always thought Google's email support was good.

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paintbrush4u 13 years ago

Originally Posted by Karan Goel

But I always thought Google's email support was good.

I was under the same impression....

Hey may be if we make enough of an impact..... they can be pressured into phone support.... What do you think?

After all I got 5-10 calls from GOOGLE telemarketing department, trying to sell me priority ranking on google places page....for 600 setup and 300 per month or something like that....

How cheesy....I thought... that they have to come down to that level.... to sell top spots...and no these are not paid adwords results either.... just plain top ranking on [organic] google places page...

If you have dealth with Google Checkout it would help out the community immensely if
...there are any warriors who know how to get on phone for support with GOOGLE CHECKOUT?
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Fazal Mayar

13 years ago

I prefer paypal as its used worldwide and you wouldn't much problems using it.

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espresso

13 years ago

its not available outside US and UK for some reason
Thats why not

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paintbrush4u 13 years ago

Originally Posted by espresso

its not available outside US and UK for some reason
Thats why not

OKAY.. so lets talk about this.... what are the other ALTERNATIVES.... available....for buyers and sellers who are not from US/UK?

What do you use besides the BIG PP?
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mikey21

13 years ago

I got had for over $14k using my paypal account (BIG MISTAKE) to buy an online business.

I did everything right.

- Formed a relationship with the seller (con artist) over skype with video chat
- Added him on Facebook, seen pictures of his family, etc.
- We did have a relationship, talked about many things...he seemed real & legit to me!! That's why I call him a con as opposed to a scammer.
- Researched his name & all his claims
- Saw that the site was bringing in income (to his bank)
- Had access to all the business email accounts with inquiries coming in
- Met my new "team" (they all added me on Facebook & yahoo chat)

Once everything was in my possession (mainly sites), I sent all the money, and haven't heard from anyone since. No one from the team responds...I'm not getting any sales (duh), and paypal won't do squat. They truly seem apathetic, even though I've been a member for over 7 years bringing them good business.

I did everything right before buying the business, except flying literally across the world to meet the con in person. But I video chatted with him, saw his kid & wife in the background and everything!

The only 1 thing I did wrong was use paypal, because my CC company (Visa) would have gotten me my money back no doubt.

I used to hear all the paypal horror stories and think "yaya whatever paypal is good to me"...so be warned...don't wait for it to happen to you!! Dealing with paypal is like gambling with your money. They can't really protect your money, they are just a medium. Once your money is sent - it's gone!

Thanks for making this thread paintbrush4u...everything you say here is true. I hope this thread goes viral. Also hope that you knowing I lost $14k makes you feel at least a little better that you lost somewhere closer to $2k!

Thanks
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paulie888

13 years ago

Originally Posted by mikey21

I got had for over $14k using my paypal account (BIG MISTAKE) to buy an online business.

I did everything right.

- Formed a relationship with the seller (con artist) over skype with video chat
- Added him on Facebook, seen pictures of his family, etc.
- We did have a relationship, talked about many things...he seemed real & legit to me!! That's why I call him a con as opposed to a scammer.
- Researched his name & all his claims
- Saw that the site was bringing in income (to his bank)
- Had access to all the business email accounts with inquiries coming in
- Met my new "team" (they all added me on Facebook & yahoo chat)

Once everything was in my possession (mainly sites), I sent all the money, and haven't heard from anyone since. No one from the team responds...I'm not getting any sales (duh), and paypal won't do squat. They truly seem apathetic, even though I've been a member for over 7 years bringing them good business.

I did everything right before buying the business, except flying literally across the world to meet the con in person. But I video chatted with him, saw his kid & wife in the background and everything!

The only 1 thing I did wrong was use paypal, because my CC company (Visa) would have gotten me my money back no doubt.

I used to hear all the paypal horror stories and think "yaya whatever paypal is good to me"...so be warned...don't wait for it to happen to you!! Dealing with paypal is like gambling with your money. They can't really protect your money, they are just a medium. Once your money is sent - it's gone!

Thanks for making this thread paintbrush4u...everything you say here is true. I hope this thread goes viral. Also hope that you knowing I lost $14k makes you feel at least a little better that you lost somewhere closer to $2k!

Mike, I'm so sorry for your loss. Was this con artist selling his business on Flippa or some other public marketplace? This was certainly a well-executed and engineered con, and I wouldn't be surprised if they keep perpetrating it on unsuspecting customers. They seem to be really making the effort to appear genuine and real, and people like that definitely need to be stopped. I hope you have reported them to the authorities and also the marketplace (if that's where you found them).

Thanks
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mikey21

13 years ago

Originally Posted by paulie888

Mike, I'm so sorry for your loss. Was this con artist selling his business on Flippa or some other public marketplace? This was certainly a well-executed and engineered con, and I wouldn't be surprised if they keep perpetrating it on unsuspecting customers. They seem to be really making the effort to appear genuine and real, and people like that definitely need to be stopped. I hope you have reported them to the authorities and also the marketplace (if that's where you found them).

Hi Paulie,

Actually he had several posts (using a year+ old username) in a webmaster forum. He mentioned his motivation to sell his online business, so I contacted him and our relationship built from there.

I wouldn't feel too protected by Flippa either, I've been deceived by 2 sellers on there as well in the past (seems like I have always had to learn the hard way LOL) , and all Flippa could do was ban the accounts. Nothing more, unfortunately. My Credit Card company was easily able to retrieve the portion of money that went on to my credit card, but paypal couldn't do a darn thing. Funny thing is that at that time, another 5 people were scammed by the same seller, and we all contacted paypal at the same time. We filed disputes, elevated it to claims, and spoke to them on the phone a few times - so it was 100% CLEAR, no doubt about it, that it was a scam. Our banks and CC companies were on our sides, and contacted paypal as well to let them know. Yet, they for some reason could not do anything at all!

And yes with my $14k story it was a very elaborate and well engineered con, no doubt about it. It really blows my mind...but I have learned my final lesson as a buyer:

There is only 1 safe way to buy a business...or ANYTHING for that matter:

Make sure you are legally entitled to get your money back, that you are in a position of power (over someone's reputation, for instance) or that you can hold on to your money NO MATTER WHAT until EVERYTHING is delivered! NO EXCEPTIONS!!! Being a "nice guy/gal" (because he needed the money to buy his new business and feed his kid) will only open the door for people to TAKE ADVANTAGE of you.

HOLD ON TO YOUR MONEY UNTIL YOU ARE 100% THAT EVERYTHING HAS BEEN DELIVERED (including income that the biz is generating live).

I know a few successful entrepreneurs personally, for example my friend's father (he's a multi-millionaire), and as nice, as honest, as loving, nurturing, & caring he is, he is a SHARK - and I mean a SHARK when it comes to spending/buying with his earned $$. In his words "I don't make that mistake because it's already happened to me before".

Be a SHARK and make NOISE when you have to pay someone Warriors. OK?!!!!

Thanks
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jideofor

13 years ago

Originally Posted by mikey21

Hi Paulie,

Actually he had several posts (using a year+ old username) in a webmaster forum. He mentioned his motivation to sell his online business, so I contacted him and our relationship built from there.

I wouldn't feel too protected by Flippa either, I've been deceived by 2 sellers on there as well in the past (seems like I have always had to learn the hard way LOL) , and all Flippa could do was ban the accounts. Nothing more, unfortunately. My Credit Card company was easily able to retrieve the portion of money that went on to my credit card, but paypal couldn't do a darn thing. Funny thing is that at that time, another 5 people were scammed by the same seller, and we all contacted paypal at the same time. We filed disputes, elevated it to claims, and spoke to them on the phone a few times - so it was 100% CLEAR, no doubt about it, that it was a scam. Our banks and CC companies were on our sides, and contacted paypal as well to let them know. Yet, they for some reason could not do anything at all!

And yes with my $14k story it was a very elaborate and well engineered con, no doubt about it. It really blows my mind...but I have learned my final lesson as a buyer:

There is only 1 safe way to buy a business...or ANYTHING for that matter:

Make sure you are legally entitled to get your money back, that you are in a position of power (over someone's reputation, for instance) or that you can hold on to your money NO MATTER WHAT until EVERYTHING is delivered! NO EXCEPTIONS!!! Being a "nice guy/gal" (because he needed the money to buy his new business and feed his kid) will only open the door for people to TAKE ADVANTAGE of you.

HOLD ON TO YOUR MONEY UNTIL YOU ARE 100% THAT EVERYTHING HAS BEEN DELIVERED (including income that the biz is generating live).

I know a few successful entrepreneurs personally, for example my friend's father (he's a multi-millionaire), and as nice, as honest, as loving, nurturing, & caring he is, he is a SHARK - and I mean a SHARK when it comes to spending/buying with his earned $$. In his words "I don't make that mistake because it's already happened to me before".

Be a SHARK and make NOISE when you have to pay someone Warriors. OK?!!!!

There are so many people ( scammers) who do that. They to prey on you emotions just to get at you. My late mother had similar experience. She got a stranger into her house who claimed to have lost everything and weep at the slightest chance he had just make people pity him. My mother only did that to help. Before he got away with N650,000 ( Nigerian Naira) An equivalent of about $4000, nobody new. In fact , we lost her due to that incident.

As for paypal, I dont really like them. They have been a main hindrance to Nigerian Internet Marketers.

Thanks

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paintbrush4u

13 years ago

Originally Posted by paulie888

Mike, I'm so sorry for your loss. Was this con artist selling his business on Flippa or some other public marketplace? This was certainly a well-executed and engineered con, and I wouldn't be surprised if they keep perpetrating it on unsuspecting customers. They seem to be really making the effort to appear genuine and real, and people like that definitely need to be stopped. I hope you have reported them to the authorities and also the marketplace (if that's where you found them).

Paul:

Paul... I share your comments and concerns.....I think Mike should report and escalate...If very well could have been one of us...

Mike:
I reflect Paulie's sentiments...
its hard to see type of money leave, in a dishonest transaction...never mind that its a good 5 figure .... WOW....I am sorry to hear that....

Did paypal tell you to contact ic3.gov [i was told that they have an international reach beyond borders of state and countries] and try to escalate/resolve it there.....
For that kind of money I would engage law enforcement... SURE I WOULD.

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premiumplr 13 years ago

As with most things in life, everything is all good...until it isn't.

If paypal hasn't screwed you.
That is no predictor of the future, you may be ok forever or it could happen tomorrow.

The main thing to keep in mind is to ALWAYS protect yourself. The buck stops with you no matter what payment processor you use.
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- paintbrush4u 13 years ago
  
  Originally Posted by premiumplr
  
  The main thing to keep in mind is to ALWAYS protect yourself. The buck stops with you no matter what payment processor you use.
  
  I so agree... that the buck stops with you....however... that does not give carte-blanche to the payment processor....They are responsible to conduct business in an ethical way...You taking the responsibility on your part somehow does not absolve the responsibilities of the payment processor...
  
  i guess I would take the buck stops here to man that you should have resarched your options way before you NEEDED to...
  
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paintbrush4u

13 years ago

Originally Posted by mikey21

....
....
....
Thanks for making this thread paintbrush4u...everything you say here is true. I hope this thread goes viral. Also hope that you knowing I lost $14k makes you feel at least a little better that you lost somewhere closer to $2k!

Mike....after sometime its not themoney that you miss the most... its the feeling of violation of trust that keeps gnawing back at you all the time....
I certainly hope you make 10 times [x20 or more] to make up for your loss....

One of my friends once told me...
"I had money and I know this one guy who had experience... we both wanted to start a biz....and so we did start a biz with my money and his experience....

Fast forward it 6 months... now today.... I have the experience and he has the money"

There is more truth to it that one can shake a stick at...

For what its worth..

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mikey21

13 years ago

Originally Posted by paintbrush4u

Mike....after sometime its not themoney that you miss the most... its the feeling of violation of trust that keeps gnawing back at you all the time....
I certainly hope you make 10 times [x20 or more] to make up for your loss....

One of my friends once told me...
"I had money and I know this one guy who had experience... we both wanted to start a biz....and so we did start a biz with my money and his experience....

Fast forward it 6 months... now today.... I have the experience and he has the money"

There is more truth to it that one can shake a stick at...

For what its worth..

Absolutely!!

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donhx

13 years ago

Originally Posted by mikey21

I got had for over $14k using my paypal account (BIG MISTAKE) to buy an online business.

I did everything right.

- Formed a relationship with the seller (con artist) over skype with video chat
- Added him on Facebook, seen pictures of his family, etc.
- We did have a relationship, talked about many things...he seemed real & legit to me!! That's why I call him a con as opposed to a scammer.
- Researched his name & all his claims
- Saw that the site was bringing in income (to his bank)
- Had access to all the business email accounts with inquiries coming in
- Met my new "team" (they all added me on Facebook & yahoo chat)

Once everything was in my possession (mainly sites), I sent all the money, and haven't heard from anyone since. No one from the team responds...I'm not getting any sales (duh), and paypal won't do squat. They truly seem apathetic, even though I've been a member for over 7 years bringing them good business.

I did everything right before buying the business, except flying literally across the world to meet the con in person. But I video chatted with him, saw his kid & wife in the background and everything!

The only 1 thing I did wrong was use paypal, because my CC company (Visa) would have gotten me my money back no doubt.

I used to hear all the paypal horror stories and think "yaya whatever paypal is good to me"...so be warned...don't wait for it to happen to you!! Dealing with paypal is like gambling with your money. They can't really protect your money, they are just a medium. Once your money is sent - it's gone!

Thanks for making this thread paintbrush4u...everything you say here is true. I hope this thread goes viral. Also hope that you knowing I lost $14k makes you feel at least a little better that you lost somewhere closer to $2k!

It is incredible to me that you are blaming PayPal for your business mistakes. They had absolutely nothing to with it--except to carry out your payment orders after you said you did due diligence regarding the pruchase.

PayPal is not a babysitting service. You made the deal with the guy, not PayPal. When people pay as much as you did they use an Escrow service for protection, and even that is not fool-proof. Don't try to blame PayPal for this, mikey21--take responsibility for your own actions.

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paintbrush4u

13 years ago

Originally Posted by donhx

It is incredible to me that you are blaming PayPal for your business mistakes. They had absolutely nothing to with it--except to carry out your payment orders after you said you did due diligence regarding the pruchase.

PayPal is not a babysitting service. You made the deal with the guy, not PayPal. When people pay as much as you did they use an Escrow service for protection, and even that is not fool-proof. Don't try to blame PayPal for this, mikey21--take responsibility for your own actions.

Don.... I appreciate your point of view of taking responsibility...but I still don't agree with it...

If Mike had done this transaction thru a credit card company....and also assuming that he did the exact same due diligence....I can bet... that Mike's experience would have been quite different....and more than likely he would have also had a very different outcome.

While I am all for TAKING PERSONAL RESPONSIBILITY....I am also more for conducting business FAIR AND SQUARE....Clearly there was some deception and cheating going on.....and the parties involved CANNOT just pass the buck and let the scammer go without penalty. That is just PLAIN WRONG.

The merchant, vendor and the medium also do share responsibility....

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mikey21

13 years ago

Originally Posted by paintbrush4u

Don.... I appreciate your point of view of taking responsibility...but I still don't agree with it...

If Mike had done this transaction thru a credit card company....and also assuming that he did the exact same due diligence....I can bet... that Mike's experience would have been quite different....and more than likely he would have also had a very different outcome.

While I am all for TAKING PERSONAL RESPONSIBILITY....I am also more for conducting business FAIR AND SQUARE....Clearly there was some deception and cheating going on.....and the parties involved CANNOT just pass the buck and let the scammer go without penalty. That is just PLAIN WRONG.

The merchant, vendor and the medium also do share responsibility....

You are absolutely 100% correct in my humble and honest opinion. Nailed it on the head!

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mikey21

13 years ago

Originally Posted by donhx

It is incredible to me that you are blaming PayPal for your business mistakes. They had absolutely nothing to with it--except to carry out your payment orders after you said you did due diligence regarding the pruchase.

PayPal is not a babysitting service. You made the deal with the guy, not PayPal. When people pay as much as you did they use an Escrow service for protection, and even that is not fool-proof. Don't try to blame PayPal for this, mikey21--take responsibility for your own actions.

I respect your view but correct if I'm wrong, but hmmm it sounds like you are patronizing me? Amazing! I always take responsibility for my actions, and if I lost myself that I will gladly accept a friendly reminder. In this case though, your call wasn't a good one. I'm simply recounting my story and highlighting how paypal isn't your safest bet. By a far actually. Were that my credit card company, I would have my money back by now. It's happened before.

Escrow? The result would have been the same considering the dynamics of this case, I believe. Either you aren't focusing on the story and interpreting what you want, or you truly lack the experience.

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THK

13 years ago

Originally Posted by donhx

It is incredible to me that you are blaming PayPal for your business mistakes. They had absolutely nothing to with it--except to carry out your payment orders after you said you did due diligence regarding the pruchase.

PayPal is not a babysitting service. You made the deal with the guy, not PayPal. When people pay as much as you did they use an Escrow service for protection, and even that is not fool-proof. Don't try to blame PayPal for this, mikey21--take responsibility for your own actions.

You seems to me a little too worked up to be a neutral third party (not associated with Paypal etc.). Anyway, let me point out the obvious bs in your post. Paypal, on many occassions, have reversed transactions based on buyer complains. If someone is about to lose 14k in a transaction, obviously they will expect paypal to take a closer look. So, before you start distorting facts based on your personal preferences, maybe do a bit more research on it

. This link can help you to start- https://cms.paypal.com/cgi-bin/marke...yer_protection .

And micky21's post didn't come across as a "blame" to me at all. He was just sharing some of his experiences with us which goes beyond paypal.

But I do agree with you about using a better payment option for large transactions.

Tanvir

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daj

13 years ago

Originally Posted by mikey21

I got had for over $14k using my paypal account (BIG MISTAKE) to buy an online business.

Yikes! Sorry to hear this. I would of definitely used Escrow.com with a large transaction such as this as they allow you to rearrange a number of days to inspect the site, domain, etc. (if a seller isn't willing to allow you to do this than they are most likely hiding something). They will only allow the money to be released once you let them know that you're ok with it or after the set amount of inspection days has went by. Granted it's not foolproof since you were dealing with a con-artist but it offers a lot more protection than PayPal.

Originally Posted by mikey21

The only 1 thing I did wrong was use paypal, because my CC company (Visa) would have gotten me my money back no doubt.

You can choose to pay with your credit card at checkout on transactions (instead of your bank account). I've done this many times. There's a small option to change the payment method at checkout to your credit card on file. I'm not sure if this option is available during other ways of sending money over paypal to a party, but during checkout the option has always been there for me.

Another way around paying with your bank account, would be to open up another paypal account (they allow you to have 2 accounts max, 1 for personal use, and 1 for business use), and never add your bank account to one of them, only your credit card. Also.. if you ever have to do a chargeback through your credit card company/bank issuer they will shut down your account (from what I've read). So PayPal does seem to suck in terms of being protected with your credit card, but at least you'd get your money back.

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mikey21

13 years ago

Yes thanks for the good advice. Appreciate the screenshots

The thing with Escrow though is that the review period is limited. The sites and everything are fine, that wasn't where the problem was. From my experience, I may be mistaken, but you can't hold the money in Escrow for a couple of weeks just to see if the site is making a profit. This is where it gets tricky in regards to what was delivered vs what was promised.

Anyways, lesson learned...never use paypal funds lol!

Originally Posted by daj

Yikes! Sorry to hear this. I would of definitely used Escrow.com with a large transaction such as this as they allow you to rearrange a number of days to inspect the site, domain, etc. (if a seller isn't willing to allow you to do this than they are most likely hiding something). They will only allow the money to be released once you let them know that you're ok with it or after the set amount of inspection days has went by. Granted it's not foolproof since you were dealing with a con-artist but it offers a lot more protection than PayPal.

You can choose to pay with your credit card at checkout on transactions (instead of your bank account). I've done this many times. There's a small option to change the payment method at checkout to your credit card on file. I'm not sure if this option is available during other ways of sending money over paypal to a party, but during checkout the option has always been there for me.

Another way around paying with your bank account, would be to open up another paypal account (they allow you to have 2 accounts max, 1 for personal use, and 1 for business use), and never add your bank account to one of them, only your credit card. Also.. if you ever have to do a chargeback through your credit card company/bank issuer they will shut down your account (from what I've read). So PayPal does seem to suck in terms of being protected with your credit card, but at least you'd get your money back.

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Egrove Systems Banned 13 years ago

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- paintbrush4u 13 years ago
  
  Originally Posted by Egrove Systems
  
  I think Google checkout is not familiar as like paypal. Most of the online promoters they believe paypal is the only solution for secure transaction.
  
  I agree with slight reservations... I have made more purchases with paypal than with GC but the reason was that most merchants didn't give me the GC option....
  
  As a seller, I would have loved to give both options to my buyers....
  
  Actually... I might even promote GC a little more than PP. But thats just me.
  
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High Horsepower

13 years ago

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paintbrush4u

13 years ago

Originally Posted by High Horsepower

Guess what? Your opinion is WRONG, PayPal sucks.

I was with them for years then got burned BIGTIME. I thought like you do now for many years. PP can and will change the rules without notice and burn your a$$

Everyone and his brother says PayPal is fine until it happens to them. Being an ethical and honest marketer means nothing to PP, your account is a mere pittance to them.

I am sure its only a matter of time....if you are considering running some serious volume before you they [PP] will conveniently have a change of heart...on you...

Even if they don't please don't let any one company dictate how you decide to your business.....by gauche.... this is twenty first century....on but wait...its actually twenty second century....now.....

WOW...amazing the things we have to come to accept in the name of convenience and easy to do these days...

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vstar00

13 years ago

I hate paypal too but its a necessary evil imo. people are just used to it and trust it. plus many people have funds in their paypal accounts and/or have them linked to their bank accounts meaning they dont need to use credit cards to make transactions. just gives the buyers more options.

You could always give the user the option...

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paintbrush4u

13 years ago

Warriors what happens if you buy something using paypal but then you fund that paypal transaction at the back using a credit card....and not directly from your bankaccount or echeck....

Now if you have a dispute do you take it up with your Credit card provider (bank), credit card company (visa/MC etc) or do you refute the charges and file a dispute with paypal....

Who will refund the money... credit card provider, credit card company or paypal....or they play pass the hot hot potato game and keep blaming on the other party and you end up taking the HIT.

Anyone who has experienced can shed some light on this one please.....

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paintbrush4u

13 years ago

Originally Posted by Austin Hilton

....
.....

I have heard the horror stories myself - but, the bottom line if you are selling a good product that delivers value then you will be okay.

Just my opinion.

Austin... I sooo wish that you were right....unfortunately.....its just an opinion.....and as of today....yet remains far from the fact...

It would be nice...

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Amy Carczak

13 years ago

Better to build your business with a "real" merchant account and only use PayPal as a secondary payment option in your cart.

I've seen so many cases with my customers of their sales going up by doing nothing other than switching from PayPal only to a real merchant account and Paypal together

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paintbrush4u

13 years ago

Originally Posted by Amy Carczak

Better to build your business with a "real" merchant account and only use PayPal as a secondary payment option in your cart.

I've seen so many cases with my customers of their sales going up by doing nothing other than switching from PayPal only to a real merchant account and Paypal together

You are so right Amy.... Who do you use for merchant account...?

Are they competitive or they nickel and dime you...like most of them do?

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paulie888

13 years ago

Originally Posted by Amy Carczak

Better to build your business with a "real" merchant account and only use PayPal as a secondary payment option in your cart.

I've seen so many cases with my customers of their sales going up by doing nothing other than switching from PayPal only to a real merchant account and Paypal together

I agree, if you're doing really large volume with Paypal it'd be extremely disconcerting to have high five or six figures frozen for 3 months or longer, without earning a drop of interest while it's stuck there.

Besides, the monthly merchant account fee will be more than offset by the savings in transaction fees over Paypal.

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GMD

Banned 13 years ago

I think the answer here at the moment is use whatever works for you at the moment -- but always have a backup!

As far as fees are concerned, PayPal and Google Checkout both do an initial 2.9% plus .30 cents per transaction.

My experience using both is Google Checkout is less touchy than PayPal. Meaning? I've never ever had a "frozen account" or "account limitation" with Google Checkout. Plus, instead of letting your money sit in the account like PayPal indirectly encourages you to, Google Checkout will automatically sweep the days funds directly into your bank account.

As far as attracting buyers is concerned, Google Checkout will allow you to accept all forms of payment (except of course bank account funded transactions and funds from a balance).

For those who care: if you have a PayPal account, you can call PayPal and ask them to turn on "auto-sweep." PayPal's auto-sweep feature will have PayPal, by close of business each day, automatically sweep your funds into your bank account.

This is a great thing to do because it bypasses PayPal's fraud detection system. A lot of people get their accounts with PayPal limited because they withdraw too much or withdraw using "weird" patterns that PayPal's fraud detection system picks up -- and then flags you.

But I'd recommend to anybody to have a plan A and a plan B! Use PayPal (but LEARN HOW TO USE IT PROPERLY), use Google Checkout, try out AlertPay (which is really coming up in the ranks but currently only accepts Visa, Discover, Amex and not M/C).

Hope this helps somebody out there!

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ladywriter

13 years ago

Originally Posted by usuallyclueless

For those who care: if you have a PayPal account, you can call PayPal and ask them to turn on "auto-sweep." PayPal's auto-sweep feature will have PayPal, by close of business each day, automatically sweep your funds into your bank account.

Can anyone do this? Is there a fee?
I've never heard of this before, appreciate the info.

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celente

13 years ago

biggest rule with selling online.

Never ever EVER put all your eggs in one basket.

What do I mean by this. I use both!!!!

Less stress and less hassles. I prefer paypal, yes but why just use one, you are not limted to one. And it is always good having a back up plan or merchant.

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BobbyMorris

13 years ago

Hi Paintbrush4U:

We learn by our errors. Treat it as a loss and move on.

Bobby

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1 reply

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paintbrush4u 13 years ago

Originally Posted by BobbyMorris

Hi Paintbrush4U:

We learn by our errors. Treat it as a loss and move on.

Bobby

I agree... trust me I have moved on....coz its not worth fretting over it... but i started this thread as a part of lessons learnt...
- Thanks
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Warriors...Why not use Google Checkout instead of Paypal...

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