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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5
votes
2answers
6k 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 ...
2
votes
1answer
143 views

Should I be concerned about chargebacks from users buying my software? [closed]

It seems like most payment processors favor the buyer when settling disputes. I sell custom made software and I know that users can issue a chargeback to avoid paying. Are chargebacks something I ...
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 ...
5
votes
3answers
3k 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 ...
0
votes
1answer
104 views

What is the law on digital download refunds

I was after some advice if possible. I currently sell digital products online through a 3rd party. The way it works is, i design / develop some code and upload it. The 3rd party prices it accordingly ...
-1
votes
1answer
101 views

Why do payment processors meddle with their business partners? [closed]

It's been in the news recently that payment processors are dropping their clients left and right, meddling with small businesses, and not being very upfront about it. In articles that mentioned why a ...
9
votes
5answers
25k 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 ...
3
votes
1answer
933 views

Can a company take money from a Debit Card at a Later Date?

I have booked an online service from a web site which only asked me for the Debit / Credit Card Info (Visa Electron) to reserve the service (Only save my Card details are saved, no deductions are made ...
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 ...
1
vote
1answer
426 views

Entered incorrect 3 digit when making online transaction

When purchasing a product online, at the checkout I entered the wrong 3 digit security code for my card. Does anyone know what will happen? Will the transaction still be successful? Will I be charged? ...
1
vote
2answers
55 views

Information about fee via 3ds secure protocol [closed]

I've made a transaction between my 2 cards issued by different Financial institutions (Banks). I've confirmed the transaction amount in 3DS window. But the total amount was decreased on a fee volume. ...
3
votes
3answers
5k 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 ...
2
votes
1answer
3k 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?
3
votes
1answer
3k views

How to pay IRS CP14H

I received a Notice CP14H from the IRS to pay a small amount of owed money. I want to do this online instead of mailing a check or money order. I went to irs.gov/payments and looked at my options, but ...
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 ...
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 ...
17
votes
5answers
260k 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 ...
1
vote
1answer
14k views

Mastercard - No password for online transactions

I am from India and recently moved to France. In India while making any online transaction one need the information on the debit card and ATM pin number or need a password given by the bank ...
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 ...
3
votes
4answers
508 views

Fees for using mastercard/Visa card at a place which accepts payment in other currency

I want to know what are the fees involved when we pay online using Visa/MasterCard to a service which accepts payment in some other currency. I have very little knowledge related to this. I am from ...
5
votes
2answers
887 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 ...
2
votes
2answers
129 views

Bill Pay Funds Not Payed

I am using Bill Pay at my local credit union. It works well in general. The big catch to me is, the money is removed from my account on the day the payee is to receive the check. Other than 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 ...
2
votes
2answers
781 views

How to prove that I did not receive a payment

I'm working with an online company that sends payments through a bank. I sent them a payment request a while ago with my IBAN + the bank SWIFT and other details provided, so they could transfer the ...
0
votes
1answer
195 views

How do 'payday money' stores fund their 'buy now, pay later' loans? [closed]

Payday loan companies may have millions of customers, who all borrow hundreds or thousands of dollars for a fee. Do these companies get their funds from banks and share the interest together, or what?
1
vote
1answer
153 views

Is there a White-list of Trusted Online Vendors? [closed]

There are many online vendors selling all sorts of things that allow you to pay using your credit card. I want to know if there could realistically be some white-list (or even a blacklist) of such ...
8
votes
2answers
636 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 ...
3
votes
1answer
717 views

How to refuse a Clearxchange payment?

A client sent me a payment via Clearxchange. I do not use Clearxchange, nor do I want to start using it. The website states that once a payment is sent, then the sender cannot cancel it. But there ...
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 ...
73
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 ...
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? ...
2
votes
1answer
1k 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 ...
2
votes
1answer
564 views

What data does a seller receive when I pay by credit card?

I am interested in understanding what information a seller receives from a credit card payment; for example, I imagine my name, the amount of money transfered, but do they also receive my address? or ...
2
votes
3answers
76k views

Paid credit card bill, but money didn't leave my checking account [duplicate]

I paid my CC bill last Friday morning. The payment appeared in my CC account that same day. But now, 3 days later, the money still hasn't left my checking account (which is in a different bank). I ...
1
vote
2answers
479 views

Can I dispute charges where I did not enter CVV?

I recently was looking for hotels online out of the country in a pretty famous and legit online reservation system. Basically the reservation was like reserve now and pay later. The website asked for ...
2
votes
1answer
909 views

Online accounting with Stripe/PayPal transactions

I have a small solo business where I sell services on a website. I probably have about 100 small transactions per month and people pay me with PayPal or Stripe. I have been doing accounting in an ...
2
votes
1answer
103 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 ...
10
votes
4answers
8k 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
2answers
169 views

Can I force non-payment on a pre-authorization hold by closing account?

I was just thinking back to an episode of Silicon Valley, just hear me out, where Gilfoyle tells Dinesh he can close his bank account to avoid having the donation platform collect the $5,000 he doesn'...
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 ...
2
votes
2answers
350 views

It is usual practice for the most relevant part of online banking services (making payments) to only be available during working hours of a bank?

Where I live (Central Europe) it doesn't seem to be possible to make a transaction between two bank accounts of two different banks that is outside their office hours. This also applies to online ...
2
votes
2answers
3k views

Money deducted without Verified By Visa authentication

I am an Indian who has a MNC Bank Visa debit card. I always use Verified By Visa service to pay using my debit card. Last day as usual i entered the details of card in an International Site(I have ...
3
votes
1answer
141 views

How to safely sell and transfer a web domain?

Let's imagine the following situation: You have a domain like example.com and someone is interested in buying it. You as the owner of the domain are located in the European Union and the interested ...
2
votes
2answers
423 views

Any reason to use PayPal to buy on eBay if I'm using a Virtual Credit Card Number?

Before answering this question, please assume it is a given that: I am using a virtual card number for purchases regardless of whether I go through PayPal or not. I already have a PayPal account; the ...
0
votes
1answer
102 views

Unexpected overcharge on international transaction

I am living in Australia, and recently made a fairly large purchase online from a company based in the UK. When I made the purchase, it was during a promo period where the cost was 40% off the usual ...
0
votes
1answer
1k views

Can I connect a PayPal account to a business bank account instead of a personal bank account?

If I write online content and get paid through my PayPal account, and if the PayPal account is connected to my business bank account, does my income automatically become my corporation's income? ...
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 "...
1
vote
1answer
10k views

I just “paid” online with a debit card with no funds. What now?

I'm new to cards since I always prefered cash. I was just trying to claim my business on Foursquare, and they asked for Card registering, I input the information but it's an empty debit account, no ...
2
votes
2answers
100 views

How to compare the different methods for checking out for online shopping?

When I shop online, I often find that there are different ways for checking out creating an account on the online shopping website choosing guest checkout option. Use some third party like Amazon or ...
6
votes
4answers
528 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 ...