Buying on Ebay, Should I pay buy Debit Card or PayPal.

Discussion in 'General Chat' started by James.1, Feb 9, 2009.

  1. James.1

    James.1
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    I have just signed up to Ebay and I am a little confused about paying. I'm looking at the payment page and it is asking me to enter my debit card details but I'm unsure whether it is safe or not. I haven't yet signed up to PayPal and I don't know if I need (or should) to or not. Does the seller end up with my debit card details if I don't sign up to PayPal or does Ebay take the payment from my card and then forward it to the seller?

    I've never used Ebay before but I want to make sure I pay safely.

    Thanks.
     
  2. Jean Valjean

    Jean Valjean
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    Pay Pal as you then have some type of cover !
    Even tho Pay Pal are crap sometimes at sorting out deals gone bad.
    If you use a debit card then you have no comeback as transactions made online with debit cards don't have the same online transaction cover that credit cards do !
     
  3. nheather

    nheather
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    PayPal if there is an option.

    My personal rule is to never use my debit card for online purchases - credit cards yes, but not debit cards.

    I have two reasons for this

    (i) The debit card is tied to your bank account - if it is hacked then the attacker could get access to your bank account and your personal money - whereas a credit card is a limited pot of the credit card company's money.

    (ii) The hassle. If my credit card is compromised then at worst I just cancel the card - I can get by without it and it's a pretty simple matter to get another. But if my debit card is compromised it has a much bigger impact to my life. My bank account might need to be frozen, can't get cash - it would be a major hassle.

    So my rule is, keep your debit card safe and use credit cards.

    Cheers,

    Nigel
     
  4. FZR400RRSP

    FZR400RRSP
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    Abso-flipping-lutely.:smashin:
    As I keep saying to friends/colleagues, even if you have the 'cash' to buy something, use your credit card.
    Then just arrange a quick electronic transfer from your account to the card.
    That way, you've all the protection the CC offers, but you won't be charged much (if any) interest.
    If you have a CC with the likes of airmiles, you can rack up some points in the process.:smashin:
     
  5. James.1

    James.1
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    Thanks for the advise.

    I have just created a PayPal account, but now it's asking me to add a payment method. It's giving me 2 options, "Add Bank Account" or "Add Debit or Credit Card". I take it I should avoid using my debit card there too, and instead add my bank account?

    Edit: As you might have guessed, I don't have a Credit Card.
     
  6. cas398

    cas398
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    I use my bank account. That way I can pay for it out of my bank, some out of paypal and some out of my bank, or completely out of paypal.

    As soon as the £150 is payed off my credit card it's getting shredded, they are the :devil:.
     
  7. James.1

    James.1
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    Done, sort-of. I completed the sign-up with Ebay and I used my bank account, although it appears that I have to wait a few days for them to deposit money into my account so they can verify me. Does this mean I can't pay for my purchase until that has completed?
     
  8. Jean Valjean

    Jean Valjean
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    yeah they will take it 2 amounts (both under a pound).
    You just have to varify pay pal of the 2 amounts.
    Should take 2-3 days
     
  9. cas398

    cas398
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    I beleive so, not through Paypal you won't anyway.

    If you're stuck I'm sure if you e-mail the seller and tell them the situation they won't mind waiting a couple of days for payment.
     
  10. James.1

    James.1
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    Good idea, I'll email the seller and explain it to them.

    Thanks for all your help.
     
    Last edited: Feb 9, 2009

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