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-   -   Does anyone know why....Question about Paypal (https://www.quiltingboard.com/general-chit-chat-non-quilting-talk-f7/does-anyone-know-why-question-about-paypal-t120673.html)

Demshine 05-04-2011 12:42 AM

When receiving money for items sold over on the classified section, some payments come through with the option of printing out a shipping label (BUT $$ is taken out by paypal for their service). So then my net payment is less depending on how much money is sent by buyer.

While others that don't have the option of printing out a shipping label doesn't have any money taken out.

I thank Paypal for offering the service, but I would prefer to have the money instead of them :)

I hope this makes sense...

yellowsnow55 05-04-2011 12:45 AM

If you don't take the option offered and write out your own label it shouldn't cost you anything.

Demshine 05-04-2011 12:54 AM


Originally Posted by yellowsnow55
If you don't take the option offered and write out your own label it shouldn't cost you anything.

No, I'm talking about when the buyer makes the payment to me. Sometimes there is extra money taken out and other times there is not.

When there is no money taken out, there is no option in paypal to print out a shipping label.

When there is extra money taken out from the net payment, there is a button that shows "print shipping label" .

I think when the buyer is sending payment there are options like "gift, ebay purchase, services..." perhaps they are choosing "gift", then there is no additional $$ taken out.

It's only like $1.80 for every $50, but that all adds up in the end.

chairjogger 05-04-2011 12:56 AM

PayPal has customer service.that is a question for them. I have found them very helpful.

Ell

Airwick156 05-04-2011 01:04 AM

I have never used paypal so I wouldnt have a clue sorry.

moonrise 05-04-2011 01:30 AM

They probably sent it as a "gift".

For what it's worth, you can print a PayPal shipping label for any package, even if the buyer didn't send payment via PayPal. You'll just have to type their address in manually. Here's a link:

https://www.paypal.com/us/cgi-bin/webscr?cmd=_ship-now]https://www.paypal.com/us/cgi-bin/webscr?cmd=_ship-now[/url]

(You may have to copy and paste it into your browser; it's a secure link.) :)

I even ship Christmas gifts with it. :mrgreen:

gale 05-04-2011 01:33 AM

If someone pays as a gift or for a service, there's no label option (because in theory, there's no need for one). If someone pays for goods, then there will be a label option since you would be sending the item. Fees are taken out for payments of goods and services and none for gifts.

The fee is 2.9% plus 30 cents or 3.9% plus 30 cents for cross border payments.

eta: sorry-posted at the same time (although I'm apparently pretty slow).

gale 05-04-2011 01:35 AM

Also I have used the link too but keep in mind that seller protection may be different using it if there is a paypal payment involved.

donnajean 05-04-2011 02:08 AM

Paypal charges a 2.9%, plus $.30 transaction fee to accept payments for merchandise - whether cash funded or by credit card. With these transactions, you have the option to print a shipping label.

If someone pays you using the "Personal" option, there is no Paypal fee. There is no shipping label option & the buyer does not received Paypal protection if there is a problem.

greenini 05-04-2011 03:49 AM

Thanks, I've noticed this too and wondered a bit about it! Thanks also for the info re printing a label. I had tried to print a mailing label 2 weeks ago and it didn't work and did get the $ back so good to know that also works well.

LindaR 05-04-2011 05:04 AM


Originally Posted by Demshine

Originally Posted by yellowsnow55
If you don't take the option offered and write out your own label it shouldn't cost you anything.

No, I'm talking about when the buyer makes the payment to me. Sometimes there is extra money taken out and other times there is not.

When there is no money taken out, there is no option in paypal to print out a shipping label.

When there is extra money taken out from the net payment, there is a button that shows "print shipping label" .

I think when the buyer is sending payment there are options like "gift, ebay purchase, services..." perhaps they are choosing "gift", then there is no additional $$ taken out.

It's only like $1.80 for every $50, but that all adds up in the end.

do you mean when someone pays by Credit card, there is a fee, if paying from a bank account there is no charge to you the seller...sometimes sellers make up for this by adding to shipping charges..thats why they are high at times. JMHO

hobbykat1955 05-04-2011 05:09 AM

I think it's a fee for using a personal credit card and not money from your paypal acct...If you have enough funds in your acct no fee but if partial pymt or full pymt thru credit card then they get a processing fee...just like a store has to pay a fee for people who use cards. I have an antique booth and if someone buys from my booth and uses a card I get charged the fee for them buying something in my booth.

justwannaquilt 05-04-2011 05:14 AM


Originally Posted by LindaR

Originally Posted by Demshine

Originally Posted by yellowsnow55
If you don't take the option offered and write out your own label it shouldn't cost you anything.

No, I'm talking about when the buyer makes the payment to me. Sometimes there is extra money taken out and other times there is not.

When there is no money taken out, there is no option in paypal to print out a shipping label.

When there is extra money taken out from the net payment, there is a button that shows "print shipping label" .

I think when the buyer is sending payment there are options like "gift, ebay purchase, services..." perhaps they are choosing "gift", then there is no additional $$ taken out.

It's only like $1.80 for every $50, but that all adds up in the end.

do you mean when someone pays by Credit card, there is a fee, if paying from a bank account there is no charge to you the seller...sometimes sellers make up for this by adding to shipping charges..thats why they are high at times. JMHO

Yes this is true however I don't think its what the OP is talking about. I think what she means is that when paying for something via paypal you are given the option or reason for sending money, did you buy something(goods) did someone do something for you (services) or are you just sending money to be sending money (gift) once you check mark one of these things then paypal will charge a % for goods and services if a buyer selects the gift option then the seller does not get charged the surcharge.

HOWEVER......there is NO protection to the BUYER when the GIFT option is selected. I know MOST people on this forum are very trustworthy people, however, know that if you choose gift and someone doesn't send your item Paypal isn't going to work to get your money back!

sewwhat85 05-04-2011 06:34 AM


Originally Posted by justwannaquilt

Originally Posted by LindaR

Originally Posted by Demshine

Originally Posted by yellowsnow55
If you don't take the option offered and write out your own label it shouldn't cost you anything.

No, I'm talking about when the buyer makes the payment to me. Sometimes there is extra money taken out and other times there is not.

When there is no money taken out, there is no option in paypal to print out a shipping label.

When there is extra money taken out from the net payment, there is a button that shows "print shipping label" .

this is the way i understand it also

I think when the buyer is sending payment there are options like "gift, ebay purchase, services..." perhaps they are choosing "gift", then there is no additional $$ taken out.

It's only like $1.80 for every $50, but that all adds up in the end.

do you mean when someone pays by Credit card, there is a fee, if paying from a bank account there is no charge to you the seller...sometimes sellers make up for this by adding to shipping charges..thats why they are high at times. JMHO

Yes this is true however I don't think its what the OP is talking about. I think what she means is that when paying for something via paypal you are given the option or reason for sending money, did you buy something(goods) did someone do something for you (services) or are you just sending money to be sending money (gift) once you check mark one of these things then paypal will charge a % for goods and services if a buyer selects the gift option then the seller does not get charged the surcharge.

HOWEVER......there is NO protection to the BUYER when the GIFT option is selected. I know MOST people on this forum are very trustworthy people, however, know that if you choose gift and someone doesn't send your item Paypal isn't going to work to get your money back!


cattailsquilts 05-04-2011 06:59 AM

A couple of others have hit on it:

When the buy sends you the money and marks it as 'Gift', there will be no fee taken out. If the buyer marks it as for 'Goods/Services', then there will be a fee, because now it is a business transaction.

I have sold stuff here and received payment both ways. Since I *am* a small business, I don't mind that people do it as payment for goods. Either way, I have to report it as income.

I've also purchased things from here, and depending on the item have sent the payment both ways. In one case, it saved my butt that I sent it as 'Payment for Goods' because the seller disappeared with lots of people's money. I got mine back, but others who sent cash or had checks cashed, or didn't use the payment option in paypal lost a lot of money.

You can also set up a free account for yourself on the USPS website and print shipping labels there.

Prism99 05-04-2011 07:02 AM

When I purchase something from somebody here using PayPal, PayPal asks me if it's a "personal/gift" payment or if it's a payment for merchandise. If it's merchandise, they charge the fee (which someone else already posted). They don't charge fees for personal transfers of money.

For personal transfers of money, there's no need for a shipping label so PayPal doesn't show that option. For merchandise, the seller has the option of printing out a shipping label.

Everything is dependent on how the buyer answers the question when making payment. If the buyer does not specify "merchandise", then there is no PayPal buyer guarantee on the purchase. Some people here are just nice and want the buyer not to have to pay the fee; however, they may not realize they then have no protection if something goes wrong with the sale.

lllog 05-04-2011 07:11 AM

It has something to do with if they pay you as an individual or a business. As an individual they don't charge a fee, but you deon't get the label. At least that's my understanding of it. I could be wrong, afterall I've been married three times, so I know that I made at least 2 mistakes.

Lanny

Prism99 05-04-2011 07:15 AM

Lanny, love your attitude! :lol:

carhop 05-04-2011 08:01 AM

Pay Pal is very good if something is lose or broken will refund the buyers money. The nice think for the buyer and the seller is the tracking.

gale 05-04-2011 09:28 AM

Sorry if I missed it in this thread but there are fees to receive payment of goods or services no matter the method of payment now. It used to be only credit card payments had fees but if you're paying for goods, there is always a fee. If you send as a gift, you can only use your bank account or existing funds. If you send as payment of goods or services, you can use cc or bank/existing funds but with either one there will be fees.

Demshine 05-04-2011 09:56 AM

Thanks for the information everyone! I knew you would have the answer!

bearisgray 05-04-2011 10:30 AM

And - if all else fails - I think PayPal has the answers to these questions on its site.

Linn 05-05-2011 04:41 AM

Paypal always charges a percentage of the money you receive. Im not what the percentage isbut everyone has to pay iy.

2manyprojects 05-05-2011 05:09 AM

I have done shipping labels with paypal, and I always pay, not the the person getting the money...!?!?!?1

gale 05-05-2011 12:04 PM

The person getting the money should be the person who does the shipping labels. Why are you doing shipping labels after you pay someone else?

2manyprojects 05-05-2011 01:34 PM


Originally Posted by 2manyprojects
I have done shipping labels with paypal, and I always pay, not the the person getting the money...!?!?!?1

Meant when I ship something, I make labels but they have already paid me for shipping...I did not ever notice a charge for labels from paypal, cause that $$$ goes either to USPS or UPS...I checked my account and I am only charged for the use of the account... a few cents, not much for the convenience...not for any labels...I would email them and ask?

gale 05-05-2011 04:57 PM

When the person pays you and includes shipping, that money is in your paypal acct and when you print the label, it comes out of your paypal acct. For example if someone paid you $10 for shipping but the label only cost $5 you would still have the extra $5 in your paypal acct. If there's some new way of paying where the payer's $$ automatically goes to the shipper, I haven't heard of it. 100% of my labels show a transaction in which the shipping cost came out of my paypal balance.

bearisgray 05-05-2011 05:58 PM

In my limited experience:

The buyer paid x amount which included shipping/postage.

If the buyer DID NOT check the "personal" box,
PayPal took a fee from ME, the seller, on the total amount.

So far, the percentage has varied from almost 10 percent to about 4.1 percent. The highest percentages are on the very low $ transactions.

wanderingcreek 05-05-2011 06:28 PM

If the payment is sent as a gift, the person paying pays the paypal fee and then it is not charged to the person receiving the payment.

bearisgray 05-05-2011 08:22 PM


Originally Posted by wanderingcreek
If the payment is sent as a gift, the person paying pays the paypal fee and then it is not charged to the person receiving the payment.

When I sent money as a "gift" - neither one of us had to pay - unless it was an international transaction.

gale 05-05-2011 08:56 PM


Originally Posted by bearisgray
In my limited experience:

The buyer paid x amount which included shipping/postage.

If the buyer DID NOT check the "personal" box,
PayPal took a fee from ME, the seller, on the total amount.

So far, the percentage has varied from almost 10 percent to about 4.1 percent. The highest percentages are on the very low $ transactions.

the fee should always be 2.9% plus 30 cents or 3.9% plus 30 cents for cross border payments. If they are taking more, I would call. Here's a good site to figure out what fees should be:
http://www.rolbe.com/paypal.htm

bearisgray 05-06-2011 04:19 AM


Originally Posted by gale

Originally Posted by bearisgray
In my limited experience:

The buyer paid x amount which included shipping/postage.

If the buyer DID NOT check the "personal" box,
PayPal took a fee from ME, the seller, on the total amount.

So far, the percentage has varied from almost 10 percent to about 4.1 percent. The highest percentages are on the very low $ transactions.

the fee should always be 2.9% plus 30 cents or 3.9% plus 30 cents for cross border payments. If they are taking more, I would call. Here's a good site to figure out what fees should be:
http://www.rolbe.com/paypal.htm

On a transaction involving $9.70:

2.9% = .029
.029 x 9.70 = $0.28
$0.28 + $0.30 = $0.58

$0.58 / $9.70 = 0.059793814 = 5.98% of the total transaction

On a transaction involving $3.71:
.029 x $3.71 = 0.10859 -> 0.11
$0.11 + $0.30 = $0.41
$0.41 / $3.71 = .1105 -> 11.05% of the total transaction

The fee "hurts" the most on the very low dollar transactions.

cattailsquilts 05-06-2011 06:13 AM

Thanks for the math, Bear. It really puts their fees in perspective. This is why I don't sell on Ebay, since with all the fees, it adds up to a ridiculous amount of the sale lost.

Etsy is getting to be just as bad, too.

bearisgray 05-06-2011 08:41 AM

I do thank you for the PayPal fee info - I had no idea how the fees were calculated.

gale 05-06-2011 11:49 AM

Yeah, it's that 30 cents that kills you on the small transactions. A flat percentage would be a lot better for sellers.

Krystyna 05-06-2011 11:58 AM

It depends on the type of account you have. I never pay to print out postage there. I have a business account with debit cards for me and my husband. While there are fees involved for receiving money, it evens out when I use the card as a charge card to buy postage at www.usps.com for those who paid by check, or for groceries, fabric and just about anything else -- the give cash back.

And that is part of why I no longer sell on eBay. They have very limited ways to get paid and Paypal is the major one. eBay owns Paypal.

gale 05-06-2011 12:15 PM

I don't know anything about business accounts, but personal accounts do accrue fees now. They didn't used to but they have changed all that. I used to have a personal account and a premiere account and would ask people (not ebay but other sales) to send to my personal if they were using bank/existing funds and to my premiere (with fees no matter what the transaction) for credit cards.

Do you have to have a certain amount of activity with a business account? Also the issue is not fees for printing postage but fees for receiving payments.

bearisgray 05-06-2011 07:32 PM

From the PayPal site:

https://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside]https://www.paypal.com/cgi-bin/websc...y-fees-outside[/url]

gale 05-06-2011 08:07 PM

Interesting. So unless you do more than 100K of business, fees are the same.

bearisgray 05-07-2011 05:37 AM


Originally Posted by gale
Interesting. So unless you do more than 100K of business, fees are the same.

As I understood the site - the only way to get a lower rate is to do more than $3,000 (USD) per month and apply for their business rate.

I didn't read much further than that, because it didn't apply to me - - - -

The 1.9% rate applies to those that do MORE than $100,000 business PER MONTH.


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