TO ALL! PLEASE BE ADVISED--Paypal says we CAN use personal/no fee PP on this site!

[lovetobehome]

I JUST CALLED PAYPAL---WE CAN USE PERSONAL-NO FEES payments!

I am starting a new thread, I hope this is helpful!

This is the second time I have called paypal and specifically asked this question. PLEASE, ladies, read this.
I described our forum, and our situation: homeschooling moms, buying and selling used curriculum. Getting rid of our excess, buying new stuff to try. BOTH paypal reps told me we can CERTAINLY use PERSONAL/NO FEE paypal, even though we have not 'met' each other in person. THE EXCEPTION IS IF WE ARE USING A SITE THAT HAS A PAYPAL BUTTON ON IT TO MAKE PAYMENTS. So, for example, ebay has a button to make a paypal payment. You can never use personal/no fee paypal on that site, or on any other site that has a direct paypal link.
I told him some people worried that this might be unethical (if we ask for a PERSONAL payment from someone on the board). He said absolutely not.
WE DO NOT HAVE TO PAY FEES. WE DO NOT HAVE TO FEEL AS IF WE ARE BEING UNETHICAL. This is paypal's own policy, according to both reps I have talked to, on separate occasions.
If someone wants to pay fees, go right ahead, but here they are telling us we do not need to, should not, and can keep going right on using FREE PAYPAL.
Questions? Call paypal and ask yourself! We don't need to attack each other!

[jewel7123]

That is awesome...thanks for taking the time to call them!

[mamamace]

Can someone please explain to me how this works? I have used paypal a number of times and had no fees taken out. Then all of a sudden, when I sold something, fees were taken out. I thought it was a credit card thing, but then when I read the fee section, I understood that not to be the case. I'm not sure how I set up my account, but as far as I know, I do personal transfers. And for a few purchases, I'm not sure if my seller would have even been charged any fees, but I paid extra anyway. How do I ask a buyer to do a personal transfer?

Thanks for any info!

[lovetobehome]

Here is a link to a x-post which explains some more things and misunderstandings about the buyer/seller protection using personal vs purchase. The process is identical, equal protection for all! (we should put this on snopes!!!) http://www.welltrainedmind.com/forums/showthread.php?t=126154
And,
Here is how to make a NO FEE PAYMENT:
Go into paypal, sign in on screen 1. On screen 2, enter the email addy of the person to whom the payment is being sent. Below the box where you enter the AMOUNT, there is a tab that says PURCHASE or PERSONAL. The default setting is PURCHASE (so that those who aren't informed will get fees, LOL). Just click on the PERSONAL tab. Then you can choose any of the options it gives you (gift, payment owed, etc). Now, it is NO FEE...assuming, of course, that you are using NONCREDIT/NONDEBIT paypal (meaning, the money comes from your paypal balance or money is directly transferred from your bank). If you have a credit card or debit card funding the payment, you will be sending CREDIT paypal and the recipient will be charged fees regardless of the personal/purchase option. (you can check ihow your payment is funded, too. On that second screen, right below where you click on SEND MONEY there is a button that says PAYMENT METHOD. You can check there to see if it is funded by your balance, an instant transfer from your bank, or your credit/debit card.
Clear as mud?
They have always made it confusing, so many people by default pay fees that needn't be paid. You just have to know what you are doing! If you don't, you'll send those little fees on to the seller. Feel free to call paypal if you need help, or ask more here...
Now, to stop ignoring my kids and feed them dinner...at 8:30pm.

[mamamace]

Oh thank you! I now understand!

On my ads, I kept saying I would accept non-cc paypal but didn't understand why I was being charged fees when my buyer said they did a bank transfer.

Thanks for your help!

[Deana FL]

Can we make this a sticky note???