Getting really annoyed with sites that use PayPal

[ycg]

I purchase parts and supplies through several online sites and now I find I'm having to go through all of those site to determine which ones are offering Credit Card transactions through PayPal only.  Each of those will be receiving a message that unless they make changes to a different checkout system they will be dropped from my supplier list.

Why am I taking this action?  It's simple enough;

If I go to checkout on those sites It will take me to Paypal.  If I don't have a PayPal account it will allow me to pay by credit card.  That part is good; unfortunately I do have a PayPal account so I have to log in.  Now I usually end up at a page that gives me 2 options; one is to withdraw the funds from PayPal and the other is for using an alternate source.  So far it's still okay; annoying but okay.  I select the option to use the alternate payment method which is my credit card; this is where it goes wrong because PayPal insists on using the balance of my PayPal funds and adding only the difference onto the credit card.

That is totally unacceptable.  You may again ask why; so here it is.

I use my PayPal account for personal purchases and my credit card for business purchases.  In my mind, if I say use the credit card then I mean use the credit card.  I don't mean use my PayPal account for $165 and put the other $6 on my card particularly when I was planning on making personal purchases the next day and now I have to wait a week and a half for funds to transfer into PayPal.

This may not seem too important but it can become a major paperwork hassle trying to get it straightened out on the company books therefore I feel obligated to take this course of action.  I'm currently setting up a 4th website and part of that is going to be a blog.  One of the first posts in that blog will be a list of recommended suppliers and a list of non-recommended suppliers.  When I send out the messages to the offending suppliers it's their choice which list they would rather be on.

[woodchuckcanuck]

Hi,

"That part is good; unfortunately I do have a PayPal account so I have to log in"

Why do you have to log in? Just chose to use your credit card. If you have to use a different email address, then get one. You seem to want to follow good business pratices by keeping your bookkeeping separate. Then follow it up by keeping your business emails separate from your personal emails. That doesn't mean you have to be checking two different email accounts. Just forward all of your business emails to your priamry email account.

I run several businesses. They all are represented with their own email accounts. And they all forward to one primary account for ease of manangement.

Regards,

Jim

[ycg]

I'm actually going to give it a try using a different email address since I have several.

What I would really like to see is suppliers who offer the options to pay directly by credit card as well as offering the PayPal choice.

I even have one supplier where I can pay by credit or debit card but I think asking for that is overkill.

The really annoying part is PayPal insisting on drawing from my account even though I have specificaly checked to use the alternate payment method.  After all; that is what that radio control should be doing as far as I can see on the page.

[woodchuckcanuck]

The reason many online stores go with only PP is because PP will allow a user to fund a purchase either with a PP member account or not. So literally anybody can purchase using a credit or debit card. In offering such, the merchant does not have to have two types of payment processers (hence two monthly payments).

Someone can step in to correct me if I'm wrong but I do believe the option to fund a purchase from another source (that radio button you speak of), is an option to the PP member in the event they are purchasing something and do not have enough in their PP account. The alternate source will allow the member to deposit money to their PP account and then proceed with purchase.

If you are doing a lot of that, consider a USD credit card. I use one offered by Scotia. Annuel fee is $99 *but* you get cash back with every purchase. If you are purchasing more than $9,900 a year in USD, it will pay for itself. I spend that in a month, so I typically get cash back in the range of $1,000 a year.