usbswiper Quote:
jeffbred24, are you saying that when pay credit card through that, it's not linked to their paypal account so they can't log in and make a dispute in paypal?
| Yes. Unless the buyer happens to know that USBSwiper works through PayPal they have no idea PayPal is even involved. They don't have to have a PayPal account to pay me. They just hand me their card anywhere else and the money drops into my PayPal account (instantly, which is nice). Quote:
Their per transaction fees are then pretty much based on what you'd get for stuff over the internet with paypal.
| Their per transaction fees are indeed what PayPal offers. As the seller, PayPal is my actual "merchant". USBSwiper seems to be just more of an add-on than anything else. PayPal doesn't offer swiping capabilities so they created it.
The thing that I found out when I started shopping around is that even though my previous merchant claimed to be giving me 1.8% on card swipes that was far from the truth. Cards like amex, discover, corporate cards, and others get flagged as what they call "non-qualified" cards and are often charged around 3.5%. When I avg. that out over the course of a month I'm actually getting around 2.8% or so. With PayPal I'm getting 2.5% no matter what, and the refunded fees helps too like you mentioned. Quote:
However for the benefit, they claim you get notified right away of chargebacks. That's actually not so. It's the banks that decide when to notify people. So far I've found that Chase notifies merchants right away and all other banks wait about 2 months to notify merchants.
| I haven't had a whole bunch of charge-backs go by, but the times it's happened I was notified relatively quickly. Basically, immediately upon notification being sent to PayPal that a chargeback has occured they send notification to me. In fact, I'm using their IPN system so it really does happen instantly. Now, if the card-issuing bank doesn't notify PayPal then I guess I wouldn't get that notice as quickly. I'll send an email to usbswiper and see what they have to say about that. Quote:
I really don't know how paypal will handle the freezing of accounts and the tracking #s and the "not as described so ship it back" disputes. It really depends if paypal is clued into the fact that it's being used on person.
| PayPal themselves won't honor seller protection when items are picked up in person. However, that's not really an issue here because like I mentioned before the buyer doesn't actually file their complaint with PayPal anyway. They file it with their own card issuing bank. I get my notice through PayPal that the problem has occured, however, I typically deal directly with the card-issuing bank and send them all of the documentation they request myself. I can't say I've got a 100% success rate but most of the time I win the case with a signed receipt.
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