PSA: PayPal Personal Accounts, F/F Payments and Fees

[notfast]

Originally Posted by MooseDog

I've had a personal account since PayPal started, as well as a Business account. The personal account, at first, you could not take a payment funded with a credit card, period. A few years ago, I believe, there was an option to accept the payment and pay a fee, but you had a choice.

That choice is now gone. If someone pays you with Goods and Services and not F/F then PayPal just deducts the fee, no option to decline.

And now, the new screen defaults all payments to G & S unless you click the Change button and change to F/F.

I'm just putting this out there as 3 people in the past week have paid me thinking they were sending F/F and had no idea they were sending as G &S.

There was a period of time (5+ years ago?) where what you are saying is true about receiving a credit card payment but that hasn’t been the case for years. You used to have to have a “premier” personal account to receive credit card payments. Quick search shows comments about that not being the case as far back as 2012 on PayPal’s own website.

Maybe you have some sort of grandfathered paypal account that has never been updated?

I’ve literally never had the option to accept or decline a payment since the early days of Paypal....like the early 2000’s.

I still don’t get defaulted into a G&S transaction either. It all depends on previous history with the seller. If you have done no prior transactions, it will default to goods and services.