Unlink PayPal as default payment method

[dtc12360]

While making an offer, I was prompted to select a payment method. Upon selecting PayPal, I read in the fine print that it would be set as the default payment method for future offers and auction bids. Can PayPal ever be unlinked as the default payment method?

[mam98031 · Accepted solution]

Yes.  The next time you make a purchase or bid on an item, you will have the option to changing the payment method.  So you will be just fine.

Have fun shopping.

[woodland_gnome]

I'm not sure whether the "Change" function on the offer/bid confirmation screen changes the default or if it is just for the one transaction.  To change the default directly go to My eBay: Account: Payments.

[mam98031]

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@woodland_gnome wrote:

I'm not sure whether the "Change" function on the offer/bid confirmation screen changes the default or if it is just for the one transaction.  To change the default directly go to My eBay: Account: Payments.

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It is changeable on the screen when preparing to make a bid.  Just as you can change the ship to address each time if you want to.  There has to be flexibility to those areas or this function would just fail for so many buyers.

[house*of*paws]

Hi @dtc12360 

Aside from changing PayPal as your default payment method on eBay … you also can change the default payment method you use within PayPal.

I don’t think there’s any payment method accepted by eBay that can’t be attached to a PayPal account.  That way you can have only one payment method attached to eBay … (which is what I have) … yet still be able to pay by different methods.  It gives you TWO extra layers of protection in addition to eBay.

[mam98031]

I agree.  However paying with a Credit Card gives you two layers of protection too.  One on the Ebay site, the other from the Credit card company.

An important thing to keep in mind that even those using PayPal and have a credit card selected as the form of payment, that credit card payment is still processed by Ebay, not PayPal.  PayPal does not process any CC payments on Ebay anymore.  

But PayPal is very important to some buyers.  It gives them a level of comfort and/or security.  For that reason along it is an important choice for some buyers.

[house*of*paws]

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@mam98031 wrote:

An important thing to keep in mind that even those using PayPal and have a credit card selected as the form of payment, that credit card payment is still processed by Ebay, not PayPal.  PayPal does not process any CC payments on Ebay anymore.  

Hey @mam98031 

Are you certain about this?  PayPal is the only payment method I have attached to eBay.  How would eBay know  my CC number?

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@mam98031 wrote:

I agree.  However paying with a Credit Card gives you two layers of protection too.  One on the Ebay site, the other from the Credit card company.

You missed my 'in addition to eBay'.  Using PayPal gives buyers THREE levels of protection if we use a credit card through PayPal.  That said, it makes less of a difference now that PP has the same time period as eBay to open a NAD dispute. 

[Sorry for the delay.  I just noticed you reply today.   ]

[mam98031]

Yes, you are welcome to tag the team for clarity.  It was something I clarified with them a long time ago, so as far as I know what I stated is correct.  That doesn't mean you can't file a claim through PayPal, that you absolutely still can do.

Not sure how you get three layers.  There is filing a claim on Ebay or one on your CC.  If you file a claim in PP, they are going to go against the CC you paid with.  As far as I know you don't get to either open a claim in PP without it going against your payment source.

[house*of*paws]

Thanks for the additional info @mam98031 .  I still don't understand what it means for eBay to be processing a credit card payment that is made through PayPal, but I can live with that.

What I mean by having 'three layers of protection' is that if someone messes up filing a claim with eBay and PayPal ... they can still file a claim with your CC company.  [I've never had to actually do this.]  That would mean taking 3 bites out of the same apple.

One of the current advantages of filing certain claims with PayPal is that it seems to understand the 'fake tracking number' scam (that eBay still founders with) ... offering a specific category of 'Delivered to wrong address'.   [Filing directly with a CC company probably works as well, however.]

[mam98031]

That is still two.  They can file a claim in Ebay or they can file a Chargeback.  Even if the credit card was through PayPal, it is still a chargeback via the credit card.  Where is the third bite?  That is what I don't understand.

If you feel they can file a claim in PayPal that is not going against their credit card, that PP doesn't do.  That claim would end up being a Chargeback against their payment source which was the credit card.

[house*of*paws]

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@mam98031 wrote:

That is still two.  They can file a claim in Ebay or they can file a Chargeback.  Even if the credit card was through PayPal, it is still a chargeback via the credit card.  Where is the third bite?  That is what I don't understand.

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Claim #1.  eBay

Claim #2.  PayPal 

Claim #3.  Credit card 

[It only would be necessary to file #3 if the buyer messes up their PP filing … like forgets to ‘escalate’ the claim, or something similar that closes the PP case.]

If you want to consider #3 to be a continuation of #2 … that’s fine.  There’s more than one way to look at it.

[woodland_gnome]

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@house*of*paws wrote:

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@mam98031 wrote:

That is still two.  They can file a claim in Ebay or they can file a Chargeback.  Even if the credit card was through PayPal, it is still a chargeback via the credit card.  Where is the third bite?  That is what I don't understand.

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Claim #1.  eBay

Claim #2.  PayPal 

Claim #3.  Credit card 

[It only would be necessary to file #3 if the buyer messes up their PP filing … like forgets to ‘escalate’ the claim, or something similar that closes the PP case.]

If you want to consider #3 to be a continuation of #2 … that’s fine.  There’s more than one way to look at it.

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Further,   if PayPal is unable to get the credit card to do the chargeback it is still bound by it's contractual obligations to the user to refund (e.g. filed within PP's deadline but the credit card issuer's deadline has run out).

[house*of*paws]

@woodland_gnome 

Do you happen to know whether the seller is hit with the $20 surcharge when a buyer files a claim through PayPal (for purchase funded by a credit card) ... or is it only when the buyer goes directly to their CC company for the chargeback?  I don't think I've ever seen that mentioned.