Miscellaneous Purchasing preferences: Paypal, Card or other

[Pete Thomas]

Please give reasons for your vote in the thread (if appropriate).

am considering ditching Paypal for store or Account upgrades do so doing a poll to see how it might affect sales.

Notwithstanding Paypal can can be used either for your account balance or asa card gateway I have included I would not buy if Paypal was the only option as some people may want to boycott Paypal altogether.

If we are to have only card payments they would be processed via Stripe. (No customer account required)

Say if you'd prefer other methods. Thanks

Note that whatever we decide on will not affect any exiting upgrades using Paypal.

 

[Pete Thomas]

Please let me know your reason for voting the way you did (if there is anything specific).

 

[Ivan]

I use paypal because I'm lazy. I can't be arsed to dig out my card and type in the long number, and on websites that I don't need/want to join, Paypal shortcuts the need to put in my address too. Also on paypal I can decide last minute whether to use debit or credit card

This does not stop me from buying an item if Paypal isn't an option, though I inwardly grumble and grouch

 

[dexdex]

I tend to avoid PayPal, expensive.
On the European continent, IBAN transactions are essentially free of charge. Downside, they are direct, from account to account, no guarantee. You have to be confident about your counterpart.
Is the UK still included in the IBAN (SEPA) organization ?

 

[wakyct]

I'm not happy with Paypal as a company but I tend to use them as an additional layer of protection online (they also let me use my credit card reward points for purchases sometimes). I'm totally fine with just a normal card processor like Stripe.

 

[mizmar]

I tend to use them as an additional layer of protection

I use a fintech card & app (eg revolut, wise etc) for everything online, for protection... Never my actual bank card and don't have my actual bank app installed anywhere... Like a shell.
PayPal has the fintech card... But I don't trust it's app!

 

[Pete Thomas]

Is the UK still included in the IBAN (SEPA) organizatio

I think so but bank transfer is not an option for us, either for Cafe subs or TTS shopping cart.

The only two options are PayPal and card transactions via stripe.

can't be arsed to dig out my card and type in the long number

Same here but I use the number and expiry saved in my browser so only need to remember the 3 digit security number.

 

[h4yn0nnym0u5e]

PayPal every time, if possible. I can remember my CC numbers fine, but then they have a nasty tendency to require extra confirmation for the most trivial purchases … like £4.30 for rail station parking. For which you need an app, because you can’t pay contactless like, oh, I dunno, everywhere else? PayPal it’s just enter password, you’re done.

 

[Targa]

I only use paypal for ebay because that is how it is set up, though it still goes off my CC as I never have any paypal balance.

 

[MarkSax]

I use paypal because I'm lazy. I can't be arsed to dig out my card and type in the long number, and on websites that I don't need/want to join, Paypal shortcuts the need to put in my address too. Also on paypal I can decide last minute whether to use debit or credit card

This does not stop me from buying an item if Paypal isn't an option, though I inwardly grumble and grouch

What he said. 🙂

 

[davidk]

What he said. 🙂

Ditto

 

[saxyjt]

Ditto

Except we don't have a choice of direct debit or credit here. You can choose you card to be direct debit or differed payment, usually month end or the next few days after EOM.

I also believe there is an insurance with PayPal, init?

 

[Pete Thomas]

Except we don't have a choice of direct debit or credit here.

AFAIK you do. Payment can be by (Paypal) debit card or credit card. If not I need to look into that.

 

[Wonko]

I think I bought 1 thing a couple of years ago that I paid with paypal
Never used it since that time.
Generaly, when I buy something on-line, I pay with my debit card or (when that option is not available) with credit card.
I don't know "Stripe", so I could not comment on that.

 

[Pete Thomas]

AFAIK you do.

Ah wait, I just remembered here there is only Paypal at the moment with be adding(Stripe) card payment as an option or replacement.

 

[Pete Thomas]

don't know "Stripe", so I could not comment on that.

Stripe is just the payment gateway for debit/credit cards, it isn't relevant to the payer as all they see is card processing.

 

[mizmar]

What's the lowest cost overhead for the Cáfè?

 

[Jimmymack]

I always opt to pay by credit card. It has good protection, at least over £100, and keeps my credit record healthy. I don't have any problem with Paypal but I have to dig out my password as I use it so rarely. I've got so used to the bank sending me a text I'm surprised when they don't.

 

[skeller047]

I like PayPal, I have had problems buying online from certain vendors because the banks trigger a fraud alert. Which means a phone call, text or email in order for me to complete the purchase.

Sometimes this happens for no apparent reason, such as my coffee subscription (AKA life’s blood supply) with Peet’s. The bank suddenly decided that Peet’s was not an approved vendor, so my monthly recurring charge was denied. This also happened recently with D’Addario, where I had used that card many times previously. I get that banks need to watch out for fraud, and I applaud their efforts (many years ago my bank alerted me to a real fraud when someone tried to steal my checking account), but denying major businesses for obscure reasons means I use Paypal more and more.

 

[Jeanette]

Payment method has never stopped me buying online....