Alternative to PayPal?
 

Hi,

I'm looking for a cost effective alternative to PayPal.

These days I'm a small scale hotelier and I need an online payment processor for direct reservations on our own website, until now we have been using PayPal but PayPal have now double-crossed us so they can go and shove their product where the sun doesn't shine. :)

Goggling we're coming across alternatives that only work in certain countries, we are located in the Philippines so need one that works here. We don't want to pay set up and/or monthly/annual fees, we don't want to pay perhaps $25 just to transfer $25 to our bank account, we want something like PayPal, no standing charges, just pay as you go of fees that equate to somewhere around, or less than, the 5% mark.

And Google Wallet is a waste of time, GW only speaks the language of the country where one is logging in to it from, I need something that speaks English. :)

Thanks

Sounds like you need a secure visa payment system. A quick Googoo brings up a heap of them.

Alternative to PayPal?
 

..........

Avtrician,

Yes a goggle brings up a heap of them only to realise that they only work in such countries as USA, Canada, Mexico, European Union, UK, Australia, New Zealand, then others want $40 per annum, others want $25 for one to withdraw funds and so on ... They goggle as alternatives to PayPal but they ain't!

So, if PayPal is so convenient and attractive, why change?

Because PayPal have shafted me, shafted my business.

A dishonest customer paid by PayPal for 43 nights accommodation and as soon as she checked-out made a chargeback for "goods or services not received" via her credit card that she paid PayPal with.

PayPal, in their back & white world, have refunded her card without so much as an investigation and shafted my account by that amount plus a penalty for the chargeback, I am the victim but PayPal regard me as the crook!

Fortunately I only had $17.51 in my PP account when they hit me with the chargeback so PP can pay for their own appalling (lack of) customer service.

Here's an interesting one:

Having been scammed for some $420 putting my PayPal account in to the red by some $380 I have received a refund from Expedia in to my PayPal, for a cancelled hotel reservation, of GBP25.16 which, and I quote, PayPal sent me an email stating:

"The refund will go to the card you paid with"

But it would appear that PayPal are hanging on to my refund to part clear the debt created by the scam, can I legally argue that their email stating "The refund will go to the card you paid with" constitutes a contract which they are legally required to oblige?

Thanks

P.S. It was a debit rather than a credit card that I paid with so cannot make a chargeback claim.

As you describe it, this sounds like deliberate fraud by the customer.

I think you have to give PayPal back their money and then go after the customer for non-payment, since she did actually receive goods and services and presumably you have staff who can testify to this.

Alas, legal action costs time and money, and you may find it cheaper in the long run to carry the loss.

Henry,

I'm a British national domicile in Philippines whilst she is a Canadian national domicile in USA ... fat chance :)

However that wasn't the question I asked, as I see it PayPal have received GBP25.16 of my money and they entered in to contract, by email, with me that they will refund that GBP25.16 to my debit card.

Are PayPal legally in breach of contract should they fail to refund that GBP25.16 to my card?

Phileas Fogg,

I think its important to remind you that you need to consider things within context and not take things out of context, like you are.

Paypal may well have sent you an email saying "The refund will go to the card you paid with".

But the problem is ...
(a) You, as a Paypal customer, agreed to terms and conditions when opening an account
(b) In the run-up to you receiving said email, you probably filled out some forms or whatnot, and attached to that were no doubt more terms and conditions for you to accept.

I suggest you go get legal advice if you are uncertain, PPRuNe is not the place for legal advice.

mixture,

Any legally binding contract is the most recent variant of, one might have clicked to agree to certain terms and conditions a number of years ago but PayPal regularly email out updates to those T&C's including one email that they will refund my card.

I'm not suggesting that PPruNe is the place for legal advice but there's some pretty knowledgeable chaps/chapesses around these parts!