PayPal Community

There is a way to pay using your credit card, even if it is not listed as your PRIMARy source.   After you buy the item, click on CONTINUE WITH PAY PAL.    You will come to a screen with Funding sources (very small print).  It will show that your Bank Acct is the Primary Funding Source.  Under it you should see an option that lists the last 4-digits of your credit card.  Select this option and your credit card will be charged.  It has worked several times for me.  Go back into your Pay Pal acct and verify that in fact your card was charged.     I agree that the Pay Pal customer support won't listen to your question and talk over you.  They appear to  be reading prepared statements which have nothing to do with your question.  One can only hope that the Pay Pal moderator of this blog would address this common problem.   ... View more

I found a way to use your credit card, rather than your bank acct--however, it is rather obscure.   1.  After you pull up the invoice, then you are forced to select CONTINUE WITH PAY PAL   2.  Next, LOGIN TO YOUR PAY PAL ACCT, and enter you password.   3.  When you look in the upper right block of the invoice, you should see something like Funding Sources.  The first choice is Pay Pal and it is either highlighted or checked.  However,  I found my Credit Credit card information there (Last 4-digits) below the Pay Pal option.   I clicked on this and was able to pay with the credit card.   This worked twice for me.  Both times the seller had listed PAYPAL PREFERRED in the ad, but also showed a list of credit cards as optional funding.   After paying,  I went into my Pay Pal account to confirm that the payment came from my credit card.  I probably will always continue to check this after I discovered that they had "dipped" into my bank acct.   Hope this helps. ... View more

This didn't help.  I do not understand why I could use my credit card as payment for over $10,000 worth of purchases.  THEN I was required to become "VERIFIED" by adding my checking account.     I did not realize that becoming verified meant that future payments would come out of my checking account.  I''m sure it probably was in the fine print.    I had called Pay Pal before becoming verified and no one mentioned to me that this was a consequence of verification.  I was only told about the benefits, e.g., lifting payment limits, etc.      After I found 2 deductions from my checking acct, I went to the Pay Pal site; clicked on Overview and found a page titled "Manage Funding Sources".  Only my VISA card is checked.  The checking acct is visible, but not checked.  Appafently this does not mean anything to Pay Pal..  It appears that he "hierarchy" strategy prevails in spite of my desire to exclusively use a credit card for payment.   I called Pay Pal today and was told the same checkout procedure to use to avoid bank payments.  I've never seen this option; moreover, another blogger says it simply doesn't always work.   Your Help information states that Pay Pal does not have the ability to withdraw funds from my Bank account without my permission.  Well from my perspective as well as other bloggers, it appears that Pay Pal does withdraw funds without our permission.  Apparently we didn't read the fine print--our error.  Now how do we go about denying Pay Pal access to our Bank Account?  I know that I can delete the bank account, but then I can only have  $60 left to spend on my account. That is what I was told today--this is the same as saying we don't want your business. ... View more

I discovered the unauthorized withdrawals from my checking account after I was forced to "verify" my account or stop using Pay Pal.  I just spent over an hour with Customer Service on this issue.  I was transferred, put on hold, and hung up on.  Finally, someone told me that I had to choose an alternate pay method at checkout.  I have never seen this option at checkout.  I'm glad that I checked this blog.   I appreciate the bloggers telling me that this sometimes doesn't work.  I do not need a checking acct overdraft.   I've spent over $10,000 with Pay Pal.  You'd think they's appreciate me as a customer and try to solve this problem.   Two interesting things I found on the Pay Pal site:   1.  Under My Account; Overview:  Manage Funding Sources.  It shows Available Funding Sources and lists my checking acct and credit card.  ONLY my credit card is checked!!!!!  The 2 most recent payments came out of my checking acct. The instructions state:  "Deselect any funding sources that you do NOT want used in the list below."   There is NO checkmark next to my Bank acct.   2.  I went to Pay Pal's Help Center and clicked on this question: " Will Pay Pal have the ability to withdraw funds from my bank account without my permission?"  The answer:  NO.  Pay Pal only withdraws or adds funds with your permission."   I would hope that Pay Pal would have the integrity to fix this.  I never realized that "getting verified" meant that Pay Pal could access my checking account without my consent.     Does anyone know of a "workaround" solution?  How about cancelling a Pay Pal acct and then starting a new one? How about contacting a consumer's group/60 Minutes to take a look at this?  Other ideas?  Maybe a class action attorney would be interested in pursuing this? ... View more