54

Use an intermediary. Rather than your client meeting with that forum person, he could meet with an intermediary that will then provide that payment to the forum persona he is contracting. This intermediary could be a friend of yours, yourself posing as a friend, a lawyer, etc.


47

In my opinion, you've done more than you need to do. Some would argue that you didn't need to do anything at all. It wasn't your fault that payment was reversed and it is the job of the seller to take care of that. You've informed the seller that you don't believe you were charged for the laptop. You don't need to do anything else. Let them take care of it ...


35

I am not familiar with Russia's postal service, but might you go low-tech and simply have the client physically mail you currency? Again, ignorance of Russian services available, but in the US you can rent a postal box for a relatively low sum and have mail delivered to that address without giving up any of your person details to the client, other than the ...


35

Use an escrow service An escrow service is a third party that holds the payment from the buyer while the transaction is in progress. Once the buyer and seller agree that the obligations have been fulfilled, the escrow service releases the funds to the seller. There are online escrow services that specialize in handling online transactions. I have not used ...


20

Depending on the amount, he could use money orders (for example Western Union), Amazon gift cards (or similar) and DM/email you the codes, or mail you prepaid Visa/Amex credit cards.


14

I basically agree with gaefan, you've done more than you need to. I would say that contacting the company should be enough. But there is one thing missing in that answer, thus I'm writing this as a separate answer. Do you have any proof that you contacted the company? Something that the company doesn't control, like an email? If you don't have that you might ...


12

Normally, your bank's online bill pay will send a check to the physical address you enter (some high-volume recipients may be set up with the bank to get an electronic transfer). The account number in the online bill pay interface will end up on the Memo line of the check so that the recipient business knows which account to apply the payment to. The only ...


11

If refillable payment cards are commonly used in your region, you could purchase a card and send him whatever information he would need to refill it, usually a QR code or a number. In some countries these can be refilled at convenience stores. You would then use it like a credit card, or transfer the balance to another account. Before doing this, be sure you ...


8

At least in the UK most business to business transactions are done on credit with the supplier, that is the supplier supplies the goods first and then is paid some time later (30 days is common). I think things are similar over in the US but I'm not sure. In terms of paperwork the flow is generally. The customer sends a purchase order requesting to purchase ...


7

The bill pay feature at many banks is used to pay either a business or an individual. If you are paying a business, the bank will usually ask for your account number with that business. For example, if you are paying an electric bill, the account number you're supposed to put there, is your account number with the power company. The bank will then include ...


7

In the United States to be considered a savings account the number of monthly transaction is supposed to be 6 or fewer. This is covered in Federal Regulation D. allow no more than six transfers or withdrawals per calendar month or statement cycle of at least four weeks for the purpose of transferring funds to another of the depositor’s accounts at the ...


4

You were scammed. Your 5000$ are gone, and the payment into your bank account will be revoked or otherwise become invalid. Contact the police and your bank, and learn from it.


4

Route the money through a trusted third party. Just ask the client to transfer the money to an account owned by a close friend or relative of yours (anyone you can trust not to run away with the money). That should be untraceable enough for the general public, unless you're such a VIP that all your friends and family members are also publicly known. It won'...


4

I have done this in the past with two different restaurants. In both cases I contacted the restaurant, explaining my desire and providing my credit card details over the phone. I also agreed a limit on the spend in case the recipient went mad and ordered 10 bottles of their most expensive vintage champagne :-) In one case the restaurant gave me a nice gift ...


4

Based on the card number: The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular ...


4

An intermediary PayPal account might work. To withdraw money from PayPal you need to link the PayPal account to your bank account, but it should be possible in theory to create an additional PayPal account, give that account to your customer, then you transfer between PayPal accounts and withdraw from "your" PayPal account. Important disclaimer: PayPal was ...


3

my recipient gave me their routing number and account number. This is typical for ACH transfers between accounts that you own, or wire transfers to other people. (Note that wire transfers are usually pretty expensive.) However, the "pay bills" functionality of my online bank portal only asks for the recipient's account number and address. Look ...


3

If you both are in the same city, you can meet him in a public place and be paid in cash there. This helps him trust that some of what you are saying is true, and you never need to reveal your name. You could even "sign a contract" with your forum name, if that means anything. He'll need to agree to "no pictures" and follow through on that, other wise you ...


3

About the only drawback is that you can't choose where the money goes. My son in law has only one bank account; he has auto deposit on. My daughter has several: one with the bank that holds their mortgage, one with another bank that is her general purpose operating account, and of course a savings account. She might want to deposit an e-transfer into any one ...


3

You can clarify with the customer, but yes, a purchase order typically leads to being paid by check or bank transfer when the invoice is processed by the customer's "accounts payable" department. It's a method used by an institution to ensure it has a record of who spent its money on what and why, and that the product or service ordered was received.


2

I think one of the easiest things that you could do (and I've done this myself in Latin America very successfully with much fewer headaches than Western Union, Paypal (that normally freezes $ for 21 days with int'l transactions), etc) is to simply arrange the purchase of BTC on localbitcoins.com for the amount needed and using the payment method that is most ...


2

Other answers involving intermediaries are implying that the OP should trust the intermediary. This, however, is not strictly necessary. The intermediary could receive hard currency from the buyer (how, is up to them), and then pay you in BTC. This way, you would stay fully pseudonymous.


2

Can you add an "authorized user" to your credit card? This may vary by country and card issuer, but in my experience you can direct your credit card company to issue a card to any name you want. By default with my bank I am still responsible for all charges that user makes, and they don't really care who the person I add is and since I'm still responsible ...


2

Perhaps the client can go to a branch of your bank and deposit cash using your account number without needing your name. I don't know about Russia, but in general banks are happy to take a deposit from anyone to any account. You'd want to check and make sure this doesn't result in the client getting, e.g., a receipt showing your name.


2

This isn't a type of payment per se, but rather something up to the bank/etc. behind the account. Credit cards can permit small purchases over their limit, banks can permit overdrafts with ACH or checks; it's not a matter of the form of payment (though only some forms of payment can - obviously a cashier's check wouldn't have this functionality - but it's ...


2

Open a savings account at an online bank, as a "holding tank" for the money you'd have used to pay for the laptop. Then if the vendor realizes their mistake and charges you again then you'll have the money. If after a year they haven't reversed it, I'd take that as a sign that they aren't coming back for it.


1

No. If you make a payment online you're done. The only other form you'd use for an estimated tax payment is the Form 1040-ES payment voucher, and they say: File only if you are making a payment of estimated tax by check or money order.


1

If it's the sort of company that will pay by bank transfer, then they will need some kind of invoice to match that payment against. Otherwise, at the end of the financial year when they draw up their accounts, there will be a mysterious payment made to a private individual, with no explanation of why. You would send the invoice first, so that their ...


1

TLDR: As you probably know what your earnings/taxes are for the two tax quarters, I would apply two quarters worth of taxes to the earliest period. Nothing wrong with one for each quarter. As long as the IRS gets the payments they are due, that is what matters. My rational is that any excess estimated payment become equivalent to rolling over any excess ...


1

Similar things have happened to me when using a debit card (in my case Maestro) where people typically use credit cards. It's also common if you come from a country where debit card are dominant (e.g. Netherlands or Germany) and you travel to a place were nearly all bank accounts come with a credit card (e.g. France). The reason this is happening is that ...


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