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LotsOfZeros

LotsOfZeros

^^^ Bi-Winning ^^^
Feb 9, 2008
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www.makemoniesonline.com
Give it to me. The good, bad and ugly.
I have a few websites I plan on selling some physical products (then shipping them) and am curious if it worked for you. A hosted shopping cart seems like somewhat of an overkill for what I'm trying to do since my sale are more of a one-off thing. I hear so many horror stories about PayPal confiscating accounts I'd rather avoid them.
 


It's a fraud magnet. Chargebacks are ALWAYS approved and if you've already shipped the item you're screwed. Think of Google's other services... has it ever been easy for you to contact someone?

PayPal does suck, but I use them over Google Checkout because I can actually talk to someone when I need to. And even though they say digital products are not covered under their protection policy and the merchant has no rights, I have successfully fought and overturned every single chargeback that has ever come my way.

I'm not too worried about PayPal freezing my funds, because I take my money out twice a day.

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^--- Indeed, I take my money out of my paypal acct. quite a bit too - been using them to process for almost 2 years now and everything has gone 100% smooth over the course of about $100k processed
 
If you want to get a 3rd party processor, Worldpay was pretty decent 3 or 4 years ago. But they were owned by RBS (Royal Bank of Scotland) so I don't know their current status. Fees were not too outrageously high considering they handled almost everything. The trick is to make sure there is no holdback.

I've heard bad stories (merchant side) about Google Checkout, and I'm not sure it's a brand anywhere near the level of PayPal, that is to say, I don't think you will get many clients (particularly if your product doesn't appeal to Google-philes) that will demand it as a payment method if they have CC and PP available.

I've never had a problem with Paypal, but I also don't leave large balances in there.
 
I think the problem with PayPal is they charge high fees and you can't run multiple businesses or websites with them without opening new accounts/bank accounts/businesses, etc. I really wish there was a solution where I have one merchant account with several business profiles within it where I can decide how my charge appears to the customer at the profile level.
 
It's horrible. Everyone that I know included me had their account de-activated after 1 transaction. From the looks of it, if it's a digital product/service, it will automatically get your account killed.
 
LotsOfZeros said:
I think the problem with PayPal is they charge high fees and you can't run multiple businesses or websites with them without opening new accounts/bank accounts/businesses, etc. I really wish there was a solution where I have one merchant account with several business profiles within it where I can decide how my charge appears to the customer at the profile level.
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I don't think you can do that with a normal merchant account either.

Is there any reason why you have to run multiple storefronts with multiple retail brands?
 
guerilla said:
I don't think you can do that with a normal merchant account either.

Is there any reason why you have to run multiple storefronts with multiple retail brands?
Click to expand...

Yeah, I don't want someone to buy something from mystore.com and see 'mycorporatewebsite.com' on their CC bill and say "WTF is that" and charge it back.
 
Lots of firms have that issue with the store name not matching the name on the CC statement.

You need to make it clear at checkout, on your help and contact pages, and on your digital / print invoice what the name of your parent entity is.

I would recommend putting it on a print copy of the warranty/return policy that gets shipped with the product.

Your concern about chargebacks is valid, but the greater cause of chargebacks are slow support response, poor contact opportunities, and opaque replacement and refund policies. You have to treat your customers like they are your children, and you are teaching them how to light a match for the first time.
 
I tried using Google Checkout as an option for my digital products. But they don't offer some of the features I eventually wanted. Also Paypal is a very popular and trusted name for buyers. They feel a lot more security going through them. Sure, sellers get fucked, but buyers have it easy. Plus tons of people have PP accounts even though they don't actually need them to purchase.

If anyone knows of a way to completely stop Chargebacks let me know. I've had assholes do a chargeback 3-4 months after purchase and usage of the digital products. I always thought doing a chargeback was difficult for people.. but there must be some credit cards where its like the click of a button or something.
 
If you get a signature, your ass is *usually* covered. If you just get a driver scan for confirmation, that's no guarantee of delivery.

You could probably check directly with PP for confirmation of what sellers are obligated to provide in dispute resolution.
 
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