For questions relating to online payment services (Paypal, Google Checkout, etc.) and the use of online payments as a way to make purchases.

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2
votes
1answer
2k views

Is it acceptable to receive payment from U.S. in Indian saving bank account via PayPal?

I'm working as a MyCommerce - RegNow affiliate. I promote software/desktop utilities of various software vendors associated with MyCommerce and they pay me some commission for each sale. MyCommerce ...
11
votes
8answers
7k views

PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?

This is the second time in the last couple of weeks that I'm seeing the following error from PayPal. (Note: I've deliberately hidden the name of the merchant at the top.) "You cannot use this ...
-1
votes
0answers
7 views

Cheaply transfer money to Austria

I live in Moldova and starting with september of this year will be studying in an university of Austria. Naturally that came with some fees. The guys from the university gave me the IBANs and BICs to ...
2
votes
1answer
58 views

How to identify currency of online payment

I made a donation online to a Canadian charitable organization, entering a donation amount in dollars, assuming it to be Canadian currency. It turns out that their donations were being handled by ...
2
votes
3answers
384 views

Is there any way to pay online in a country with no international banking system

I live in Ethiopia and according on the National Bank of Ethiopia, it is illegal to get any money out of Ethiopia without special permission from the bank. I personally want to make some online ...
4
votes
1answer
107 views

How long does a retailer have to take payment?

I made an e-commerce purchase in January 2015, for which I used a credit card. The product was delivered promptly; no problem there at all; however the retailer failed to debit my account until around ...
5
votes
3answers
2k views

What exactly is “Perfect Money”'s guarantee?

I'm thinking of depositing a substantial amount of sum into Perfect Money. The advantages are: (much) ease in international transfers (when buying/selling things online) (much, much) better ...
2
votes
1answer
558 views

Question about using a VISA card to withdraw money from PayPal balance

According to the following PayPal policy, https://cms.paypal.com/mz/cgi-bin/?cmd=_render-content&content_ID=ua/RecPymt_print The only way for me to withdraw money from PayPal in my country is ...
46
votes
6answers
8k views

Pay online: credit card or debit card?

I have a credit card and a debit card. I could use both to pay online. Credit card is only a bit less convenient since I have to transfer the money back in the credit card account later. Is it safer ...
2
votes
1answer
135 views

What are online payment options with no chargeback protection?

What exactly are chargebacks and chargeback fraud? Is it a complaint about not receiving the product, or is it about the customer saying that he did not authorize the payment? If I understand ...
1
vote
1answer
51 views

What happened if a merchant capture the fund without delivering the ordered product/service?

I am new with the payment process. I hope clarification would be appreciated. I am developing a payment gateway. And I am trying to understand the way an authorization and capture of payment. What ...
0
votes
2answers
55 views

Citizens Bank: What counts as a 'qualified online bill payment'?

I am hoping to get the $200 bonus through this offer. One requirement is that I must post "three qualified online bill payments". My question is: What counts as one such bill payment? Does it have to ...
1
vote
2answers
731 views

Should I have separate business and personal accounts for my start up?

I have a personal active PayPal account. I am about to start a small web development company. I have googled to learn about making and receiving on line payments like if I want to register a domain ...
0
votes
1answer
53 views

What is the most convenient way I can accept money transfer online? [closed]

I've made a deal with a person over email. He needs to send the payment online (around $3000), what is the quickest way I can make this happen? I need to be able to accept this transfer by tomorrow.
0
votes
0answers
53 views

Visa Credit Card Regulations in Europe

I'm a US expat living in Spain (almost a year now). I made a large purchase at an online store last week with my Visa credit card. The item has not shipped, but I have already been charged for the ...
2
votes
1answer
113 views

How does credit card's online authentication work?

I am not sure if this question is valid here but this seems to be the most appropriate place. I have a credit card which I use to shop online. When I checkout a product on say, Flipkart, it asks me ...
2
votes
3answers
259 views

Is there a rule that a merchant must identify themself when making a charge

Recently I sent several credit card payments online. The company that charged my card is a multi-billion dollar company, so not just a small start-up. However on the statements the charges appeared as ...
2
votes
1answer
153 views

Receiving money from Paypal via a friend in different country

Paypal doesn't support my country yet, but I want to open a small ecommerce site to accept payment from paypal. Can a friend living in a different country (may be US, Canada, Australia etc.) accept ...
1
vote
2answers
739 views

Why are interbank payment (settlement) systems closed for weekends and holidays?

Why are interbank payment (settlement) systems (TARGET2, for example) closed for weekends and holidays? Are they saving on the electricity of their servers or something? Or are they really checking ...
5
votes
3answers
2k views

Should I keep online bill-pay confirmation numbers?

I pay some bills/credit cards via website or over-the-phone payment systems. These systems give you a confirmation number/reference number. Is there a point to recording these confirmation numbers? ...
1
vote
3answers
138 views

Is it safe to scan debit card's front and back side for my broker?

To make a deposit, my broker, regulated by EU and established, asks me to provide the scans of the front and back side of the debit card. "Name, expiration date and the first and last four digits of ...
2
votes
1answer
291 views

Apply for credit card online and get card # immediately?

Are there credit cards, as for online shopping only, that one can apply to online and get the card number immediately, without waiting for a physical card to arrive via snail-mail?
4
votes
3answers
171 views

Using credit cards online: is it safe?

Since I started using payment cards online, I have completely no understanding about how these payments are secured. Whenever I pay online no matter for what, I'm usually asked to provide all ...
0
votes
2answers
539 views

Credit card with no card holder names on it

I am interested in creating a credit/debit card for online use which in no way references my real names and etc. I need to use, for say, pay some website hosting and not expose my credit card printed ...
2
votes
1answer
264 views

How do I remotely open a bank account in Thailand?

A friend of mine told me that Thai bank account has no limitations in paypal for transfers, etc. I would like to try it out and open bank account in Thailand, register paypal account for it and use it ...
2
votes
2answers
171 views

Privacy Concerns For Self Employment Taxes

I'm a UK based freelance website developer, registered as self employed and trading under my own name. I have to be honest that things haven't been going all that well recently so I'm turning my ...
0
votes
1answer
282 views

privacy concerns when receiving money from paypal from strangers?

I am doing a few small scale (< $200) freelancing jobs and I've found a couple of interested individuals off the net. I need to receive payment, and I have decided to use paypal. However, as these ...
0
votes
0answers
48 views

US client, Australian freelancer, what are my options in getting paid?

It's my first time to freelance and right now, I could only think of Paypal. I've tried transferring money from country to country (Australia - Philippines) before and the banks (in the Philippines, ...
8
votes
5answers
4k views

Alternatives to Intuit's PayTrust service for online bill viewing and bill payment?

I've been a long-time user of PayTrust. The idea behind the service is great: I can receive bills through PayTrust, view them online and set up payment rules to pay them automatically. However, Intuit ...
1
vote
1answer
466 views

Sort Code, Account Number, but no account name

I'm trying to pay money into an account. I have the Sort Code and Account Number, but no account name. I know the company that owns the account, but I'm sure they have MANY accounts. Can I put just ...
9
votes
4answers
2k views

Is there any way for a buyer to guarantee that there will be no chargeback in PayPal or GoogleCheckout?

Assume I'm a buyer and I want to guarantee a seller that I will not charge back my Paypal or GoogleCheckout payment. Is there any binding mechanism to do it in those systems? Or may be there is a ...
0
votes
1answer
70 views

PayPal- Quick Overview

So I have a Westpac bank card- no Visa or MasterCard. When wanting to setup a PayPal account to link with this account I understand that there will be no fees applied to me, the purchaser, for ...
1
vote
1answer
179 views

Freelancing from India to US employer: Can they deposit pay to my US Account?

I recently moved back to India from USA as I didn't get H1B Visa. I have started working for same company from India as a contractor. I still have my bank account active in USA. Can my company ...
1
vote
0answers
36 views

file a complaint to bureaus of a company's residence if you live in another country?

Can I submit a consumer complaint to Better Business Bureau, federal Trade Commissionn, or the Consumer Frauds and Protection Bureau if I've bought a faulty product froma company based in Brooklyn, ...
0
votes
1answer
58 views

refund or replacement for a faulty product purchased online with mastercard?

I bought a product from a company located in Brooklyn, New Work, online and had the product shipped by them to me to Armenia. The product was of unsatisfactory quality as it didn't function as ...
7
votes
2answers
211 views

Are there any viable alternatives to Paypal for a small site?

I don't want to have the hassle of dealing with credit card or direct payments directly on my website, the volume and amount of transactions don't justify the effort. I've set up Paypal on the site ...
2
votes
3answers
764 views

Which currency should I use to pay for my flight ticket?

I am buying flight tickets for a forthcoming trip. The website that I am booking through allows me to pay in many different currencies. I have one credit card each for payment in three different ...
4
votes
4answers
7k views

In what countries can credit card merchants use address verification?

Usually when you pay with a Visa or MasterCard online you have to provide a billing address. Many online shops, especially from the United States, will only send purchases to the cardholders billing ...
3
votes
1answer
823 views

why will charges disappear from my debit card then reappear

I have made a few large purchases (ex: computer, flight tickets) in the past with my debit card, and for the most part the charges go onto my card and that's the end of it; other times I will see the ...
2
votes
1answer
60 views

How to calculate taxes for an online business?

I am presently contemplating a small start-up online and am looking into the various pitfalls before getting too invested into it. The website might be hosted on servers in Europe or the US and I ...
7
votes
2answers
300 views

How can a school club collect money using credit cards?

tl;dr- How can we legally accept credit cards (to our club bank account) without being able to become a legal entity? I'm an officer an officially-recognized student-run club at my university. I'd ...
1
vote
2answers
151 views

How to safely pay with VISA online

Usually I can get away with PayPal for online purchases, but sometimes I come across a website that only accepts VISA card. I refuse to use my VISA card, as my account contains all of my money, and ...
0
votes
4answers
1k views

How can my friend in the U.K. cheaply transfer money to me in Israel?

I have a friend who owe me ~600 GB pounds. I have asked him to pay me in USD. What is the cheapest way to transfer the money from UK to Israel? I have checked PayPal - 3.5% commission for ...
3
votes
1answer
114 views

Is it legal for a vendor to reuse credit details from a previous transaction

I purchased an item online. I got a phone call from them touting some other service. All I said was OK- I didn't understand the details and they charged again a big amount using the originally ...
2
votes
1answer
77 views

Which card data online merchant can store and what can he do with it?

I see that to perform on-line transaction with credit (or debit) card you usually need 3 pieces of information Card number Expiration date Security code Some merchants offer option to store ...
2
votes
1answer
57 views

Dual Citizen British/US and online business taxes

I am a dual British/US citizen living in the EU. I file taxes in the US with my husband. I want to open an account with an online gallery to sell my artwork and as we intend to retire to UK I will ...
3
votes
4answers
297 views

What are some options for sending and receiving money electronically?

I occasionally sell items via Kijiji and Craigslist in Canada, and while cash is convenient sometimes it's easier to do electronic transfers, or even have the ability to accept credit card in person. ...
2
votes
1answer
161 views

Facebook application income (India)

I am currently working software engineer in India. Except for salary income. I get income from my facebook app which is very basic amount. For that I use paypal to transfer money to my bank account. ...
6
votes
2answers
1k views

How do credit card payments work? What ensures the retailer charges the right amount?

If I buy book from an online shopping site via my credit card, how can the retailer get money from my credit card? What is in place to ensure the retailer gets the exact amount of money I should pay, ...
0
votes
1answer
206 views

What payment app makes it easiest for friends to transfer money (without a fee)?

I'm a fantasy football league commissioner. That means it's my responsibility to collect dues from all 12 team managers and then distribute funds to the winners. This seems like an easy enough task, ...