Questions tagged [online-payment]

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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74
votes
6answers
17k 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 ...
40
votes
13answers
9k views

How can a client pay me for freelance work if I don't want him to know my name and he is uncomfortable using bitcoin?

I've been contacted on a specialized Internet forum and offered a well-paid one-off job to translate a highly specialized text, and I'm happy to accept the offer, but there's a problem: I have always ...
40
votes
5answers
9k views

Do institutions have right to ask for your credit card security code and all other CC data?

A school wants my credit card data including a security code. They've sent me a form to fill in about my card. As I know security code is something that shouldn't be shared publicly. Should I provide ...
25
votes
5answers
5k views

Using credit/debit card details vs swiping a card in a payment (credit card) terminal

I was given by a seller an option to come to their office and swipe my credit/debit card there in their payment terminal. Because it's a long way to get to their office, I asked the seller if he ...
20
votes
1answer
4k views

Do I have a right to cancel a purchase of foreign currency in the UK?

A few days ago I ordered 100 Euros using a travel agents website, to be picked up in their store and paid for them in GBP by debit card. I noticed just after that they aren't open on Sundays, meaning ...
18
votes
6answers
13k views

Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there?

I want to buy something from a VERY REPUTABLE Asian seller. They've got a lot of good references all over the internet. The only thing is, they are quite old-fashioned and so is their website. They ...
17
votes
5answers
257k views

How do I make a one of payment to my HSBC credit card bill with a HSBC debit card UK

I need to pay my HSBC credit card bill with a HSBC debit card and I can't transfer money between accounts (it doesn't show up on the list of accounts). When I click on the direct debit details it says ...
16
votes
8answers
26k 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 ...
12
votes
4answers
6k views

Why is OkPay not allowed in the United States?

For those of us who deal with freelance foreign clients, I've heard of this company from clients, but can't figure out why it's not allowed in the United States. The reason I ask is that they ...
12
votes
1answer
820 views

Verified by Visa - payment site is asking for social security number

I've wanted to pay a merchant in the European Union. We've done business with that merchant for over 10 years and they are absolutely trustworthy. They handle their online credit card payment service ...
10
votes
4answers
7k 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 ...
10
votes
2answers
1k 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 ...
9
votes
5answers
24k views

How common is 3-D Secure with US credit card users?

For online transactions, the 3-D Secure layer seems to be a pretty good idea. It's seasoned and well-tested (read: old) and a lot of credit card companies in Europe offer it. For example, a lot of ...
9
votes
3answers
11k 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 ...
9
votes
3answers
10k 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? ...
9
votes
1answer
360 views

What are the alternatives to PayPal for non-supported countries?

What are the alternatives to PayPal for countries whom PayPal does not support? For example, I am from Pakistan and I am looking for easy way like PayPal to transfer and receive amounts from the ...
9
votes
5answers
9k views

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

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 ...
8
votes
7answers
362 views

Do you know of any online monetary systems?

I'm actually looking for something that would resemble a monetary system of a sovereign country. The value of its currency would be somewhat independent of, say the dollar. If there was a more stable ...
8
votes
2answers
628 views

Should I pay a company who failed to collect VAT from me over 6 months ago?

Nearly 7 months ago I purchased some software for $12.99 from an company in the USA. I didn't check at the time whether that price included VAT as in the EU: You have to be clearly informed about ...
8
votes
2answers
273 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 ...
7
votes
2answers
1k views

Passing credit cards fee onto the customer in the UK

A recent comment on this site suggests it's “it is illegal to sell goods at different prices depending on the payment method used” in the UK. Yet, all low-cost airlines in Europe seem to do it. In ...
7
votes
2answers
32k views

What does paying by invoice mean?

I was trying to buy a book from Springer in the Yellow Sale 2012. I chose to pay by invoice, without knowing what it means!?! Further, if it matters -- I filled in: Billing address, Shipping address ...
7
votes
2answers
187 views

Taxation from variations in currency

Assuming: I am a UK tax payer I live in the UK Assume I sell a good online, for $100. One payment method I accept is Bitcoins. Bitcoins at the moment are extremely volatile, it wouldn't surprise ...
6
votes
2answers
2k 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, ...
6
votes
4answers
522 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 ...
6
votes
1answer
3k views

What tax rules apply to selling of digital goods, specifically in-game currencies?

We are selling an in-game currency to be used to buy virtual objects that will be used and consumed in the game. How do taxes relate to this type of purchase as compared to selling physical goods ...
5
votes
3answers
6k 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 interest ...
5
votes
3answers
597 views

Have plenty of cash flow but bad credit

I had financial issues back in 06-08 (when the nation in general also did). I had debt I couldn't pay, and I had to sell our house short. I since then have not purchased anything I couldn't pay cash ...
5
votes
2answers
862 views

My eBay account was hacked and a fraudulent listing was made- Scam?

Recently my eBay account was hacked and a fraudulent listing was made, it was for a mobile phone with a sale price of just £12 (about 5% of its RRP) with 10000 units. I received a notification to say ...
5
votes
3answers
2k 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 ...
5
votes
2answers
4k views

How do I get a US credit or debit card if I reside outside the US?

I am from Hungary and I would like to purchase sometimes from US web services like iTunes and so on. They require US cards and billing address. Is it possible to have one without traveling to the US? ...
4
votes
4answers
336 views

Why does the payment date on online credit card payment forms default to the due date?

Here's a screenshot from my credit card's payment form: Out of habit, I tend to set the payment date to a day far sooner than the statement's due date ...I suppose for fear that something will wrong ...
4
votes
2answers
4k views

Product and refund offered in exchange for Amazon Verified Purchase review

A few days ago, out of the blue I was contacted by a purported Amazon seller who is probably based in China, about sending me a product in their catalog in exchange for a review. They probably got my ...
4
votes
3answers
256 views

Reversing the credit card model to make it secure

I have read a lot about financial information being stolen, particularly credit card details, because they are stored or at least entered online or at points of sale. It seems to me that the method ...
4
votes
1answer
198 views

E-shopping, the store refunds less money, how act?

I've ordered some product online. The next day I got an email: On 1st time orders, our company requires transactions to be completed via Paypal. We have refunded your credit card for the total ...
4
votes
1answer
20k 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 ...
4
votes
2answers
123 views

What does it mean to pay by purchase order?

Not sure if this is the right place to ask, but I'll give it a try anyway. I sell some software online that customers pay for using a payment processing service which allows you to pay using a debit/...
4
votes
1answer
3k views

Is home address required for online payments

I have a question about online payment and I would appreciate it if one could answer. For online payments with debitcard in the UK, at the time of payment, I have always been asked to enter the home ...
4
votes
4answers
16k 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 ...
4
votes
1answer
97 views

How are 3rd party services able to determine if a card is a prepaid or a credit card?

Prepaid cards typically advertise being usable anywhere that (Visa|Mastercard) is accepted, and yet I've noticed an increasing number of places online and physical which accept (Visa|Mastercard), but ...
4
votes
2answers
62 views

What are some drawbacks to Interac's e-transfer auto-deposit option?

As a user, what are the drawbacks for Interac e-transfer auto-deposit and what I should consider before using it?
4
votes
3answers
408 views

Is there a no-fee way for Americans to send electronic payments to American small businesses?

currently I have a registered business with a client that pays me every two weeks. Normally I send an invoice, and he sends a check via snail mail. We would like to move this to something online. ...
4
votes
2answers
704 views

How much “one-time fee” do I have to pay to be able to use PayPal to send money?

From http://help.yahoo.com/l/us/yahoo/smallbusiness/webhosting/sitebuilder2/paypal/paypal-04.html: Personal accounts are meant for use by individuals. With a Personal account, you can send and ...
4
votes
1answer
2k views

How can I sell things online legally as an under-aged person? [closed]

I'm a pupil from Germany, I'm 15 years old and I want to sell a product online. However, it's not as easy as it may sound. The first problem is that I am not allowed to sell things before I'm "...
4
votes
1answer
2k 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 ...
3
votes
2answers
137 views

Enable a select group of people to claim a flexible portion of a fixed amount of money anonymously?

This is a bit of an unusual question, so I'll explain: My girlfriend and I are getting married next year. I'm German, she's American, and the wedding will happen in the U.S. Most of the people that ...
3
votes
4answers
180 views

Online Order Billed Amount Exceeds Invoiced Amount

I purchased an item online using a discount code, which was accepted by the website, and proceeded to purchase the product at a total of $227 using my credit card. I received a confirmation email ...
3
votes
4answers
1k 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. ...
3
votes
2answers
2k 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 ...
3
votes
2answers
512 views

What is the safest method of receiving payment for expensive items being sold on Gumtree?

I intend to try to sell a laptop on Gumtree. Since this is my first time selling something online, my knowledge of this is near zero. I've researched the safest ways to sell items on Gumtree and I'...