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Paypal fees - reimbursement?
Thread poster: Marlene Blanshay

Marlene Blanshay  Identity Verified
Canada
Local time: 08:40
Member (2009)
French to English
+ ...
Jun 1, 2009

I just got a payment from a client, and because he paid through debit card, I had to pay 40 dollars from my hard earned dough!

i just upgraded my account to premium. I don't know if he knew about the fees.

My question is can I ask him to refund that money? I understand PP has transaction fees but this was kind of sizeable.

What does one do?

thanks for advice...


 

Per Magnus  Identity Verified
Local time: 14:40
English to Norwegian
Never use PayPal for larger amounts of money Jun 1, 2009

When it comes to bank charges I always split the amount with 50-50 between the outsourcer and the translator. Nobody has complained so far.

Take a look at
http://www.proz.com/forum/money_matters/113305-paypal_or_moneybookers.html
and
http://www.proz.com/forum/money_matters/95524-pay_pal_money_bookers.html

The solution is easy, and has served me well for years. I have both a MoneyBooker and PayPal account and I use them for small amounts (say up to a couple of hundred USD). They are easy, cheap and quick. For larger amounts I use bank transfer, that takes a couple of days and their charges are small when it comes to larger amounts.
I use this method both for receiving and sending money – and, of course, then I can accommodate if the other party want to use a specific method. Both PayPal and MoneyBookers have their strong and weak points.


 

Attila Piróth  Identity Verified
France
Local time: 14:40
Member
English to Hungarian
+ ...
Reimbursement may work Jun 1, 2009

Hi Marlene,

I have a "Premier" account, too, and have already reimbursed payment to another PP account. The "reimbursement" option is available for a certain period of time (30 days, I think) after receipt of the payment, and is free of charge; you can find it in the details of the transaction, I think. I am not sure though whether it works if the payment came from a debit card -- but it would make sense to me.

Kind regards,
Attila


 

Miguel Jimenez  Identity Verified
Germany
German to Spanish
+ ...
Try this one Jun 1, 2009

Try this one. It is a new pay system that will be able very soon for whole over the word.
In the moment works very well in USA.
http://www.caramoneycard.com/enrollment.php
Use please this code for it: A1009MJ015USA

Best regards

Miguel


 

Samuel Murray  Identity Verified
Netherlands
Local time: 14:40
Member (2006)
English to Afrikaans
+ ...
duplicate Jun 1, 2009

duplicate

[Edited at 2009-06-01 15:26 GMT]


 

Samuel Murray  Identity Verified
Netherlands
Local time: 14:40
Member (2006)
English to Afrikaans
+ ...
Who's decision was it to use PayPal? Jun 1, 2009

MBlanshay wrote:
I just got a payment from a client, and because he paid through debit card, I had to pay 40 dollars from my hard earned dough! ... I don't know if he knew about the fees.


It almost sounds as if you expect him to pay for your fees. Who decided that payment should be made by PayPal?

* If it was you, then you are responsible for the transfer fees applied by PayPal, are you not?
* If it was the client, then it is still you who are responsible for the transfer fees, because you would not have accepted payment by PayPal unless you had first familiarised yourself with the transfer feeds, would you?

I don't think you can lay the transfer costs at your client's door.


 

Marlene Blanshay  Identity Verified
Canada
Local time: 08:40
Member (2009)
French to English
+ ...
TOPIC STARTER
yes well Jun 1, 2009

as it turns out I was supposed to add the fees. It's stupid to use Paypal for this guy anyways, since he's local and can send a cheque in 2 days. Next time i'll ask for cheque.

He asked for Paypal since it's easy for him and I agreed, but for large amounts like that, it's ridiculous.

I really only like Paypal for international or out of town. People who i deal with locally usually pay via cheque.

I better just suck it up this time and next time be wiser...THPPPP!!!!


 

conejo  Identity Verified
United States
Local time: 07:40
Member (2003)
Japanese to English
+ ...
Who pays the fees needs to be agreed upon in advance Jun 1, 2009

For example, if you asked the client to pay you using a method that wouldn't generate fees, but the client said that PayPal was required, you might be able to negotiate with the client to pay you some part of the fees. But, this might not work.

Usually if the client is going to pay fees, this needs to be agreed upon in advance, otherwise you will end up paying it.

I had one client who offered to pay the PayPal fees, and that was great.

But, most of the time I end up paying them. So discuss it with your clients in advance whenever you are using a payment method that generates fees.


 

Frédéric Combes  Identity Verified
Spain
Local time: 14:40
Member (2006)
English to Dutch
+ ...
Moneybookers Jun 1, 2009

I've got a Premium PayPal account for 4-5 years now and my experience is that you should never use it for large amounts since PayPal is going to charge you quite a substantial fee. Small amounts have never been a problem.

Just a couple of years ago, I also started to use Moneybookers after I noticed that a lot of colleagues were very satisfied with Moneybookers' service. Now I am channeling all large amounts through Moneybookers because the recipient doesn't have to pay any fee at all. Only when I withdraw money from the Moneybookers account, I have to pay a very small fee which is negligible compared to the fees that PayPal is charging for e.g. receiving money or a currency conversion.

In short: if your client also works with Moneybookers, then talk to him/her to use that service. You'll notice the difference!


 

Per Magnus  Identity Verified
Local time: 14:40
English to Norwegian
Easy to use PayPal Jun 1, 2009

MBlanshay wrote:
He asked for Paypal since it's easy for him and I agreed, but for large amounts like that, it's ridiculous.


Then he should not have used a debit card, but transferred the money to his PayPal account before he paid you. Then there would have been no charge.


 

Marlene Blanshay  Identity Verified
Canada
Local time: 08:40
Member (2009)
French to English
+ ...
TOPIC STARTER
right Jun 1, 2009

Per Magnus wrote:

MBlanshay wrote:
He asked for Paypal since it's easy for him and I agreed, but for large amounts like that, it's ridiculous.


Then he should not have used a debit card, but transferred the money to his PayPal account before he paid you. Then there would have been no charge.


i wonder about that too...wondering about dealing with this guy in the future.

Fagin asked for less of a cut!!


 

Kaspars Melkis  Identity Verified
United Kingdom
Local time: 13:40
Member (2005)
English to Latvian
+ ...
or he could pay via Paypal with e-check option Jun 1, 2009

and your fees would be limited to $5. It would take 3-5 days to clear the check instead of instantaneous transfer when paying with debit or credit card but in this way you can save a lot on fees for large amounts even from international clients. Though the check option will be available only from certain countries that still use checks.

Then he should not have used a debit card, but transferred the money to his PayPal account before he paid you. Then there would have been no charge.


Wrong, paying from Paypal balance is free only for Personal accounts, Premium accounts incurs the same fees as card payments. But since you upgraded...

i wonder about that too...wondering about dealing with this guy in the future.

Fagin asked for less of a cut!!


The client paid with a card the same amount that he would be paying with a check but probably his card has a cash-back or airline miles option. So, basically you funded his points worth only a few bucks with your fees but the bank and Paypal receive the thickest slice anyway.


 

Per Magnus  Identity Verified
Local time: 14:40
English to Norwegian
Learn from it Jun 1, 2009

Kaspars Melkis wrote:
paying from Paypal balance is free only for Personal accounts, Premium accounts incurs the same fees as card payments.


Well, PayPal has to earn money somewhere. It is up to you if they make it from you; there are a lot of options. Consider this payment for learning and choose wiser next time.


 

Nicole Schnell  Identity Verified
United States
Local time: 05:40
English to German
+ ...
Paypal for domestic payments is a bad idea Jun 1, 2009

MBlanshay wrote:

as it turns out I was supposed to add the fees. It's stupid to use Paypal for this guy anyways, since he's local and can send a cheque in 2 days. Next time i'll ask for cheque.

He asked for Paypal since it's easy for him and I agreed, but for large amounts like that, it's ridiculous.

I really only like Paypal for international or out of town. People who i deal with locally usually pay via cheque.

I better just suck it up this time and next time be wiser...THPPPP!!!!


You are not alone - I used to do the same favor to new clients. But, after all, the only reason why it is easier for the guys is that they don't have to get their rear up from their office chair to grab a check and sign it. This is where my generosity stops.


 

conejo  Identity Verified
United States
Local time: 07:40
Member (2003)
Japanese to English
+ ...
Research your bank vs. PayPal Jun 2, 2009

As others have mentioned, PayPal is not good for domestic payments, because you could just get a check, which would be free.

For international payments, find out how much your bank charges for incoming wire transfers, and find out if the client charges anything for the fees on the client's side.

Find out how much you would get charged for PayPal. Then figure out after what amount bank transfer is cheaper...

I forget what the amount was for me, but I think it was up to maybe $300 or $400 PayPal was better than a bank transfer. But some clients prefer PayPal so you might not have a choice if it is an overseas client insisting on PayPal.


 
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