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I have been using PayPal off and on since 2012 for 2 main reasons.
1 - Convenience, I didn't have to enter a credit card every time I purchased from a site other than usual trusted sites where I store my payment information, like Amazon, and sending payments to friends/family was simple.
2 - Peace of mind.
I recently found that the assumption of (2) was wrong, so I fired PayPal. I don't want to get into the details. Beyond being therapeutic, it won't really make life better moving forward.
That brings me to the question, since I have fired PayPal, I am sure that someone will want to send me, or more likely, have me send them money. Before I go out and research the providers on my own, I thought I would come here. What do Soylentils suggest for peer to peer payments?
(Score: 2) by e_armadillo on Thursday December 01 2016, @10:09PM
OK, since you asked nicely. I made a purchase, in the process of the purchase extra charges I didn't intend to authorize were pushed through. I contacted the vendor, they agreed that a refund was in order, but they work with a 3rd party payment processor that interacts with PayPal. The 3rd party never processed the refund. I escalated with the 3rd party producing the vendor's email as proof that I should get a refund. The vendor and 3rd party stopped responding. So, I escalated to PayPal, producing the email from the vendor that promised me a refund, and the other emails trying to get the refund processed through the 3rd party.
Long story short, PayPal ruled against me without an explanation. When I tried to find out, I got further non-explanations. It wasn't so much that they ruled against me, as it was the black hole I fell into when trying to find out what their rationale was when the original vendor agreed to invalidate the extra transaction and produce a refund.
"How are we gonna get out of here?" ... "We'll dig our way out!" ... "No, no, dig UP stupid!"
(Score: 1) by RS3 on Thursday December 01 2016, @11:54PM
I realize I'm sometimes the last to become aware of some new thing. Case in point: fees. A few years ago a good friend talked me into going to a concert with him. I hadn't been to a major concert in a few years, so the ticket price was a bit of sticker shock, but then there was an additional $10 or so of added fees which were NOT disclosed on the webpage with the ticket price. I was not happy, and my friend tried to contact them to no avail.
I do most of my own auto work, but I've noticed on repair shop receipts a list of fees. Airlines, banks, hotels, pretty much everyone is tacking on fees and there seems to be some society-wide and legal-system-wide acceptance of this practice. I'm saddened and amazed at the general acceptance of these fees, and I wish everyone would fight it.
I'm with you- if I ever get hit with any hidden fees, I'm closing my paypal account. (shuffles off to check paypal account statement...)
(Score: 3, Interesting) by PocketSizeSUn on Friday December 02 2016, @09:41AM
Given the situation you describe I have no idea why you think that using a different processor will fix it.
You are still at the mercy of the vendor and the 3rd party. It remains the vendor that needs to escalate with the 3rd party to process the refund.
Paying with PayPal as an intermediary is fine and all but you *really* need to initiate the paypal transactions from a CC to have any legal standing if PayPal's rather weak purchase protections falls down.
If you *have* used a CC to fund the above PayPal intermediary purchase you can use you CC company to negotiate for those charges, typically within 90 days. After 90 days you are SOL.
In my past experience PayPay will not help at all with services purchases and will help a little with package purchases where as you CC company can unilaterally reverse charges if you can convince them that the charges are in error or otherwise fraudulent.
Later on you say that you are just looking for a person-to-person replacement for friends-and-family for which paypal remains reasonably suited for transfers of small amounts. For larger amounts many banks offer lower cost wire transfers, certainly much lower cost fees that you would occur with services like paypal.