Default Payment Method?

[PetiteMorte]

I just got finished verifying my bank account with my Paypal account. I then received a message that from now on, all purchases will be made from my bank account instead of the card I have registered. Is there a way to change that setting and choosing which account payments are automatically paid from? I do NOT want payments made automatically from my checking account. I only added my checking account for  just in case purposes and to give me a wider range of options. 

[M471]

I'd like to repeat my question from November 24 (page 1 of this thread), which is exactly what Hamilton8 just asked: How do I simply pay with my credit card, instead of my bank account?

[RobertLawrence]

I too find it annoying that Paypal doesn't give users the option to set the "default" payment method.

It actually causes me accounting problems if I forget to change it to Credit Card.  I never want to pay from my bank account.

The only reason I have a bank account listed is to be verified.

Come on Paypal fix this issue please.

[david2233]

I have to add my 2 cents. Changing my payment method from checking to CC EVERY time I make a purchase is a royal pain the rear. We should certainly have the option of changing. What does Authorize.net and Google Checkout do?

[stevenfagundes]

I completely agree with the others on this subject. I like PayPal for it's safety, but it is really annoying to not be able to use your credit acrd as the DEFAULT payment method. Occassionally I accidently pay using my bank account and it angers me so much that I simply shop elsewhere when I can avoid ebay. Sometimes it even affects my feedback. Vendors should put more pressure on PayPal to fix this irritating business practice. As soon as there is another alternative more convenient than PayPal I'm jumping ship. For now, I have to use it because it's the only show in town. AT&T used to force some poor business practices on its customers, but as soon as alternatives popped up, many of us left for another team. Let's hope PayPal comes to its senses now and not when they are forced by competition. That would make them a better company---one that listens to what its customers want. I'm sure it won't harm their precious bottom line.

[viking2]

Here's an idea. We all start writing sellers through their 'Ask Seller Question' link. Tell the sellers we were going to bid on their auctions, but since paypal is **bleep**ing us over we refuse to buy their items. After a number of sellers start complaining to Paypal, maybe they'll take notice. Tell the sellers that we're boycotting their auctions and explain why. Do not buy anything for awhile. I'm sure you can go without buying for a month or longer. Lets see who blinks first!!

[stevenfagundes]

I have actually begun doing just that. I used to buy 5 - 10 items per week on ebay. Now I'm down to about one purchase weekly. I can find the other stuff I need at other sites, such as Amazon, Newegg, Drugstore.com, etc. for about the same price. In addition, when I do use ebay I participate in the recently established policy to leave feedback during the payment process to express my discontent with the bank account default; (this is different from ebay's long established purchase feedback page). You don't have to rate the vendor using the star system, but can tell the vendor what you like/dislike about the checkout process.  Let me tell you, it gets some vendors very concerned when they see your gripe and if the vendor emails you about how they try to please their customers, you should politely let them know your complaint isn't directed at their business, but at ebay's policies.  But stirring the vendor pot is probably the best way to make a change in this area.

[PayPal_Olivia]

Hi everyone,

Thank you for your comments regarding the desire to have the credit card listed as the default funding source. While we can't always make the changes requested, the feedback is appreciated and considered when we make our policies.

One thing I would definitely like to stress here is the importance of always checking your payment method before completing any payment. It can't be taken for granted that the funding method listed will always be the default. Not all funding methods are available for all payments, whether due to seller receiving preference settings or PayPal's security filters, and clicking to complete the payment confirms acceptance of the payment method listed on the confirmation page at the time that the button is clicked. It's vital to make sure each and every time that the payment method listed is the one that you intend for that payment.

Olivia

[Liberalman]

Thank you for giving us some sort of a reply.

Let me make sure I understand you.  You are saying that sellers can restrict the manner in which we utilize our own PayPal accounts, for example requiring account debits as a means of payment?  If that is so, then only after we have committed to buy on eBay or elsewhere, we then can expect find ourselves potentially boxed into a method of payment?

Also, I would like to correct one statement in your reply.  You said PayPal "can't" always make the changes requested.  The operable word here is "won't."  There is no earthly reason why such a policy change could not be implemented.

[PayPal_Olivia]

Hi Liberalman,

That's a good question. I'll clarify. eBay sellers are not able to specify to take one type of funding and not another. Outside of eBay, a buyer might run into that circumstance, as sellers can opt not to take eCheck, and some large merchants have other kinds of receiving preferences. In either situation, the PayPal security model will sometimes rule out a funding source for a specific payment.

Olivia

[Liberalman]

Very interesting, particularly coming immediately on the heels of Paypal_Olivia's response.  She clarified, "eBay sellers are not able to specify to take one type of funding and not another."  Yet, that is precisely what you say you have encountered.

It's not eBay sellers therefore doing this; it's PayPal. Their motive seems obvious enough.  Credit card purchases involve fees being paid back to M'card and Visa which cut into what PayPal makes on each transaction.  I think "greed" is more accurate than "crooks" in the circumstance.

There's always room for another service out there...