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-   -   Direct Debit not authorised (https://www.aspkin.com/forums/uk-ebay-paypal/82456-direct-debit-not-authorised.html)

comp07974 02-03-2015 02:54 PM

Direct Debit not authorised
 
Hi,

So my bank refused the direct debit instruction however; paypal have stated they would use the card on the account (VCC) is this ok as it is my first stealth account. Setting up my second one tonight

RosieTosie 02-03-2015 03:09 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by comp07974 (Post 638220)
Hi,

So my bank refused the direct debit instruction however; paypal have stated they would use the card on the account (VCC) is this ok as it is my first stealth account. Setting up my second one tonight

What sort of bank account was it that you were adding when the direct debit was refused? If it was a savings account, you can bypass the direct debit section and just add that savings account again to the withdrawal page of your PayPal account and that will work ok

ooooo.halo 02-03-2015 03:35 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by comp07974 (Post 638220)
Hi,

So my bank refused the direct debit instruction however; paypal have stated they would use the card on the account (VCC) is this ok as it is my first stealth account. Setting up my second one tonight

Can still be withdrawn to :thumb:

Bunneh 02-03-2015 04:22 PM

Re: Direct Debit not authorised
 
you should NOT let paypal try/attempt to take funds from your bank account.
As this is when paypal will actually see your real name on the account.

You must always have enough funds in paypal for fees, or pay by VCC before the DD gets tried from your bank.

katty 02-03-2015 06:32 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by RosieTosie (Post 638222)
What sort of bank account was it that you were adding when the direct debit was refused? If it was a savings account, you can bypass the direct debit section and just add that savings account again to the withdrawal page of your PayPal account and that will work ok

Can i just ask, can you do that straight away or should you only do it when you want to withdraw?

joffieJaffa 02-04-2015 05:43 AM

Re: Direct Debit not authorised
 
its better to leave it untill your first withdrawal, i'll will let the others tell you why :shhh:

ozboz 02-04-2015 09:17 AM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by joffieJaffa (Post 638445)
its better to leave it untill your first withdrawal, i'll will let the others tell you why :shhh:

Can someone please expand on this?

Bunneh 02-04-2015 09:35 AM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by ozboz (Post 638484)
Can someone please expand on this?

Adding and removing bank accounts etc.. to fast causes flags and limitation requesting ID.

So its better to wait 24-48 hours before adding another bank account if you have indeed removed it yourself.

If paypal removed a bank account on file it is fine to add another one.
If you are concerned, then wait 24 hours.

If you wait until the time you need to withdraw to add an account, you are more like going to get the 72 hour withdrawal.

rsot 02-04-2015 10:11 AM

Re: Direct Debit not authorised
 
You can use the VCC for purchases - is that what you are trying to do OP?

realdeals 02-04-2015 06:29 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by rsot (Post 638505)
You can use the VCC for purchases - is that what you are trying to do OP?

:brick: :brushteeth:

warez 02-04-2015 07:36 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by ozboz (Post 638484)
Can someone please expand on this?

Also makes sense not to waste an account if you get limited beforehand.
regrads warez

warez 02-08-2015 09:30 AM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by Bunneh (Post 638252)
you should NOT let paypal try/attempt to take funds from your bank account.
As this is when paypal will actually see your real name on the account.

You must always have enough funds in paypal for fees, or pay by VCC before the DD gets tried from your bank.

Does paypal see account name if you add funds from bank account
Regrads warez

rsot 02-08-2015 10:26 AM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by warez (Post 640073)
Does paypal see account name if you add funds from bank account
Regrads warez

Yes they can - there is a receipt generated - sending receipt from bank to pp that can be seen...will action be taken? One time is unlikely but still worth keeping in mind

JamesNorth101 02-09-2015 08:28 AM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by warez (Post 640073)
Does paypal see account name if you add funds from bank account
Regrads warez

Yes they will and that is exactly why you need to avoid letting PayPal draw funds from your bank account

You can use the balance in PayPal or a VCC to buy items or to pay fees.

You will only be able to issue refunds from your PayPal balance so make sure there are enough funds in their to cover 3/4 refunds.

eosur 02-10-2015 03:08 PM

Re: Direct Debit not authorised
 
So let me get this straight.

Putting money into your PayPal from your Bank is fine?... They don't see any information?

But if PayPal take money from your bank (eg. Fee's ) they can see your real info?

Bunneh 02-10-2015 04:50 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by eosur (Post 640884)
So let me get this straight.

Putting money into your PayPal from your Bank is fine?... They don't see any information?

But if PayPal take money from your bank (eg. Fee's ) they can see your real info?

no its not fine!
any method where paypal takes funds from your account is BAD.
Whether its for fees or to upload funds to paypal. :rip:

donkeykong2012 02-10-2015 05:33 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by Bunneh (Post 640941)
no its not fine!
any method where paypal takes funds from your account is BAD.
Whether its for fees or to upload funds to paypal. :rip:

Agreed 100%

The trick is to never allow PP to take funds from your Bank Account at any time. Either for Refunds or Fees.

I leave funds in PP for refunds and Fees, and I also diarise in Excel to double check this.

eosur 02-10-2015 05:38 PM

Re: Direct Debit not authorised
 
I'm not talking about ' Refunds or Fee's '

I mean myself logging into my online banking & putting money into my PayPal account.

How else would you be able to add funds to your PayPal account?

Bunneh 02-10-2015 05:40 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by eosur (Post 640966)
I'm not talking about ' Refunds or Fee's '

I mean myself logging into my online banking & putting money into my PayPal account.

How else would you be able to add funds to your PayPal account?

Use a VCC rather, or paypal WILL see your name if you get them to request money from your account by using the UPLOAD FUNDS button on paypal.

No matter how it is worded on posts.. paypal will see your real name on ANY form of request from them to your bank.

eosur 02-10-2015 05:42 PM

Re: Direct Debit not authorised
 
I never use Upload Funds button.

I log into my online banking & send the funds straight from there.

Bunneh 02-10-2015 05:53 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by eosur (Post 640969)
I never use Upload Funds button.

I log into my online banking & send the funds straight from there.

Think about it... if you were to send money to your mom or whoever, wouldnt your name show on the persons statement who is getting the money??

Because i know it does for me and every other person i have received money from..

eosur 02-10-2015 05:56 PM

Re: Direct Debit not authorised
 
Ok so that would mean when you want to with draw money from PayPal they would see your real name aswell?

Can you even use Entropay to fund your PayPal account?

eosur 02-10-2015 06:14 PM

Re: Direct Debit not authorised
 
Ok i am really confused here... Let me try & get this straight.

Letting PayPal take any kind of money from my bank is BAD?

Myself going into my online bank an putting funds into PayPal is BAD?

Using the ' Add Funds ' inside PayPal is BAD?

So PayPal would only see my Name? Nothing else like my address ETC?

So if my name was the exact same as on the receipt they see it would not cause any issues?

But if it was a totally different name then it would cause concern?

JamesNorth101 02-10-2015 06:24 PM

Re: Direct Debit not authorised
 
Quote:

Letting PayPal take any kind of money from my bank is BAD?
Correct

Quote:

Myself going into my online bank an putting funds into PayPal is BAD?
Not sure how you would do that, but correct.

Quote:

Using the ' Add Funds ' inside PayPal is BAD?
Yes

Quote:

So PayPal would only see my Name? Nothing else like my address ETC?
Yes

Quote:

So if my name was the exact same as on the receipt they see it would not cause any issues?
It is not a stealth account if the name is the same as your real name...

eosur 02-10-2015 06:42 PM

Re: Direct Debit not authorised
 
Yeah i understand that.

I am just trying to see how it works, If both of the names were the same they would cause no concern to PP?

But if the PP name was different from the receipt they see that would cause concern?

Thanks James!

Bunneh 02-10-2015 06:44 PM

Re: Direct Debit not authorised
 
The problem comes when your stealth account is ADAM SMITH
And you add money or paypal take money and see your name is PETER JONES.

eosur 02-10-2015 06:47 PM

Re: Direct Debit not authorised
 
Does this also include ' Withdrawing ' money from your PP?

If so then how is the best way of withdrawing funds from your account?

Bunneh 02-10-2015 06:58 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by eosur (Post 640993)
Does this also include ' Withdrawing ' money from your PP?

If so then how is the best way of withdrawing funds from your account?

no withdrawing to a bank is fine.:rolleyes:

Haidukken 02-10-2015 07:04 PM

Re: Direct Debit not authorised
 
It's almost like telling somebody a secret... you don't want to share YOUR secret, but if somebody tells you theirs, it's totally fine :)

eosur 02-10-2015 07:09 PM

Re: Direct Debit not authorised
 
Thanks guys this is very helpful stuff, One last thing.

Lets say i had 0 funds inside my PP account & i had alot of money inside my VCC and i went ahead a bought something for a small amount using PP. The funds would come out of my VCC as its already got money on it?

Bunneh 02-10-2015 07:11 PM

Re: Direct Debit not authorised
 
Quote:

Originally Posted by eosur (Post 641011)
Thanks guys this is very helpful stuff, One last thing.

Lets say i had 0 funds inside my PP account & i had alot of money inside my VCC and i went ahead a bought something for a small amount using PP. The funds would come out of my VCC as its already got money on it?

When you go to the checkout it will give you opions on paypal and you can choose your card.

Have you not bought on ebay before? :boink:

JamesNorth101 02-10-2015 07:12 PM

Re: Direct Debit not authorised
 
None of this is a secret...

So long as the bank has no know issues with mismatching name withdraws then you will have no issues.

You just need to remember to never ever ever let PayPal take money from your bank account.

eosur 02-10-2015 07:20 PM

Re: Direct Debit not authorised
 
lol yeah off course i have used eBay before, But normally when i have purchased something i just pay with PP.

So in this case i to select pay with a Card?

I just thought that if i paid with PP, that PP would just automatically take the money from the card i have attached to it. NO?

JamesNorth101 02-10-2015 07:23 PM

Re: Direct Debit not authorised
 
By default it tends to go

PP Balance
Bank Account
Card.

You can change the order though in the PayPal settings.

eosur 02-10-2015 07:25 PM

Re: Direct Debit not authorised
 
Hmmm, Would you advice this?

Or just stick to pay with card option?

JamesNorth101 02-10-2015 07:28 PM

Re: Direct Debit not authorised
 
Pay with card option :thumb:

Keeps thing simple.

Just make sure you have enough funds on the card and remember you cannot use a real plastic card on a stealth account.

eosur 02-10-2015 07:30 PM

Re: Direct Debit not authorised
 
Thanks, Great STUFF!

eosur 02-10-2015 07:51 PM

Re: Direct Debit not authorised
 
One last thing, When adding your bank account to your stealth PP, It is perfectly ok to accept the Direct Debit? They do not see any info when this is done do they?

Thanks.

JamesNorth101 02-10-2015 07:52 PM

Re: Direct Debit not authorised
 
So long as you do not draw on the DD then its fine to accept it.

eosur 02-10-2015 07:59 PM

Re: Direct Debit not authorised
 
So DD is fine just as long as i don't put funds into my PP and NEVER let PP take funds.

= WIN?


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