How to accept credit card payment via paypal?

smeet · #1 01-11-2011, 12:46 AM

A TB'er is trying to pay me via paypal. His paypal account is not linked to a bank account, so he wants it to go through his credit card.

Problem is, when he tries to send payment to me, it won't work. He has paid using this method before (earlier today even), and it worked. I have accepted paypal payments before, and it has worked. I tried sending an invoice, then made a buy it now button as per the paypal instructions and put that in an email.

Nothing worked. Is there something I need to do to my account to accept his paypal credit card payment? I'm not a business, it's just a personal account.

Thanks!

Bob Lee (QSC) · #2 01-11-2011, 01:14 AM

Maybe he's not doing it right? It's been a while, but I've used PayPal to receive payments from persons using credit cards, and it was pretty simple.

smeet · #3 01-11-2011, 01:18 AM

He's done it with other TB'ers and it worked. Maybe he's just over his limit...

bongomania · #4 01-11-2011, 02:26 AM

Quote:

Originally Posted by smeet

A TB'er is trying to pay me via paypal. His paypal account is not linked to a bank account...

Paypal will not allow credit-card payments unless the Paypal account is linked to a bank account. The only way they will send money without being linked to a bank account is if you have money already in your Paypal balance.

So he can try to take a cash advance from his credit card via online banking, and transfer that money into his Paypal account, and then send it from there.

Bob Lee (QSC) · #5 01-11-2011, 10:14 AM

Do you have a PayPal account, smeet? Sorry, I was assuming that you do, but upon rereading your posts I realized that you hadn't actually stated that you do.

EricF · #6 01-11-2011, 10:22 AM

Quote:

Originally Posted by bongomania

Paypal will not allow credit-card payments unless the Paypal account is linked to a bank account. The only way they will send money without being linked to a bank account is if you have money already in your Paypal balance.

So he can try to take a cash advance from his credit card via online banking, and transfer that money into his Paypal account, and then send it from there.

I use my credit card for PayPal frequently without a problem. Yes, my PP account is linked to a bank account, but I can select to use my credit card for my purchases (once that credit card info has been entered into my PP account profile). The charges go directly to my credit card and do not touch my bank account. A balance in my PP account is not necessary.

The OP's problem sounds like user error.

What is the amount of the transaction? I believe PP has limits on how much money you can receive without having a "business" account.

scotch · #7 01-11-2011, 10:36 AM

He's doing something incorrectly. You don't need a linked bank account to make a PayPal cc payment.

Selta · #8 01-11-2011, 10:47 AM

What is the exact error the person trying to send you the money is getting? More than likely it's telling them exactly what is wrong.

Passinwind · #9 01-11-2011, 10:50 AM

Quote:

Originally Posted by bongomania

Paypal will not allow credit-card payments unless the Paypal account is linked to a bank account.

On which end? I've paid many many times via cc, but have never ever linked to my bank acct. Never will, either.

smeet · #10 01-11-2011, 10:52 AM

Quote:

Originally Posted by Bob Lee (QSC)

Do you have a PayPal account, smeet? Sorry, I was assuming that you do, but upon rereading your posts I realized that you hadn't actually stated that you do.

Yes I do, and I have paid and recieved payment many times without any problems.

Quote:

Originally Posted by EricF

What is the amount of the transaction? I believe PP has limits on how much money you can receive without having a "business" account.

It's for $1350.

Quote:

Originally Posted by Ray Salamon

What is the exact error the person trying to send you the money is getting? More than likely it's telling them exactly what is wrong.

I don't know. He's going to talk to his CC company, and we are going to talk on the phone today, so I'll ask him then.

bongomania · #11 01-11-2011, 11:47 AM

Quote:

Originally Posted by EricF

Yes, my PP account is linked to a bank account, but I can select to use my credit card for my purchases (once that credit card info has been entered into my PP account profile). The charges go directly to my credit card and do not touch my bank account. A balance in my PP account is not necessary.

Right, that's totally in keeping with what I meant. My thought was about whether an account was linked, not about whether it was ever used.

Quote:

Originally Posted by EricF

What is the amount of the transaction? I believe PP has limits on how much money you can receive without having a "business" account.

This is a good point! Although I'm pretty sure it's a limitation on the sender, not the recipient. For example, I have a business account (two business accounts, actually) and do a fair amount of business every week, but they still have blocked me from paying with a credit card on two or three purchases that were over $700. I don't know the exact number of the cutoff though.

Quote:

Originally Posted by Passinwind

On which end? I've paid many many times via cc, but have never ever linked to my bank acct.

Hm, OK, maybe I was wrong about the first thing.

EricF · #12 01-11-2011, 12:12 PM

Quote:

Originally Posted by bongomania

This is a good point! Although I'm pretty sure it's a limitation on the sender, not the recipient.

I'm not so sure (although, I'm admittedly a little fuzzy on the details). I pay my test-wife child support through PP, and she had to upgrade her account to be able to receive the amount of money I send each month.

bongomania · #13 01-11-2011, 01:43 PM

You know, as I think about it, I was just assuming the limitation was "on me" as sender because Paypal forbade me from using a CC in those 2 or 3 high-$ instances. Maybe the limitation was on the recipient, and if it had been a different recipient with a different account status, I would have been allowed to use the CC. Hmm.

Dirk Diggler · #14 01-11-2011, 02:44 PM

My bank has a daily limit imposed on my debit card, that amount is 1k. Perhaps this is the issue also?
Dirk

Bob Lee (QSC) · #15 01-11-2011, 03:21 PM

If you have a PayPal account, then you should be able to invoice him and collect payment, with him using his credit card and not his PayPal account. If he's paying by CC then there's no reason to involve his PayPal account.

bongomania · #16 01-11-2011, 03:41 PM

No, all CC transactions through Paypal are subject to Paypal's account rules, and have nothing to do with whether/how a CC could be used outside of Paypal.

Bob Lee (QSC) · #17 01-11-2011, 03:42 PM

I think you misread my post.

bongomania · #18 01-11-2011, 03:46 PM

I've re-read it a couple of times now, and I don't see what I missed. Please clarify?

Selta · #19 01-11-2011, 03:47 PM

Quote:

Originally Posted by bongomania

I've re-read it a couple of times now, and I don't see what I missed. Please clarify?

You don't have to have a PayPal account to pay someone who DOES have a PayPal account.

smeet · #20 01-11-2011, 03:49 PM

Quote:

Originally Posted by Bob Lee (QSC)

If you have a PayPal account, then you should be able to invoice him and collect payment, with him using his credit card and not his PayPal account. If he's paying by CC then there's no reason to involve his PayPal account.

Yeah, I tried that, but apparently it didn't allow him to do it.

It has something to do with the amount involved, he was able to send payment for $500 today, but then no more. He's going to talk to his CC company and see what might be going on.