Businesses requesting Credit Card information already on file with Paypal

[MikeBHC]

I've noticed certain businesses are requesting I enter my credit card information after I have logged into Paypal using their Paypal interface. I have logged into Paypal using my credentials. This has validated my identity. Why are they requesting information already on Paypal?

[sharpiemarker]

@MikeBHC 

Some businesses want set up an authorized/recurring payment profile in a PayPal account to streamline the customer's checkout experience on their future checkouts with them so it will ask to select (or add) a card in addition to using the main/preferred funding source as back up. I know this certainly happens with the PayPal balance as the main/preferred/default funding source.

The profile can be updated at: 

Account Settings (gear icon) > Payments > Manage Automatic Payments

Select merchant on left, click Edit/Cancel on the right.

If it is asking to add a funding source, check if there is a "Change" above the fields to go and select a back up funding source.

PSA/TIP: I highly recommend being aware of the terms of your purchase (merchandise or recurring subscription service) at the time of transaction because some people forget they have an authorized/recurring payment profile set up with the merchant thinking they'll only sign up for a certain amount of time or a trial period and forget about it then realize they're being charged again and come to the forums to rant and rave saying they didn't give permission when in fact they did and didn't cancel/deactivate the profile.

So if you're asked to set up one of these and you're just doing a one-time purchase (no repeated use/purchases in the foreseeable future), then you can deactivate it after the purchase as per the steps above. An email is sent out after deactivation to confirm. Of course, the profile can be set up again if you end up making a purchase with them again and could be deactivated again. Repeat and rinse.

[MikeBHC]

You are misunderstanding me. My credit card is on file with Paypal. My credit card is set as the preferred payment method. These companies are requesting I enter my credit card information on their Paypal interface after I have already used their interface to log into Paypal. The only link available on the interface is to cancel the intended transaction and return to the original website. I should not need to enter anything after I have logged into Paypal. Their request defeats the purpose of using Paypal to protect my funding source information. I want to know why this is happening and if I can stop it here at Paypal.

[MikeBHC]

It's been 5 days with only one response. I can only assume people do not have information relevant to the question. My guess is these companies are attempting to circumvent the charges accompanied with using Paypal as a payment provider.

[MikeBHC · Accepted solution]

It has been 14 days since first requesting assistance on this forum. I have been unable to find a straight answer from Paypal customer support here, Paypal on twitter, or these forums. Several businesses are offering the same services as Paypal these days, but those services actually protect my funding source information. I am not required to enter my credit card or bank information after logging into those services. Since Paypal refuses to enforce the security they advertise, I am closing my Paypal account.

[sharpiemarker]

@MikeBHC 

Have you tried clearing your browser cache, cookies and restarting your device? That is, if you haven't already closed your account?