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Paypal and e-cheques
Thread poster: Andrea Re

Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
Nov 18, 2009

Hi there.

am I the only one who manages to get paid by e-cheque using PayPal? For those who are unfamiliar with it, an e-cheque is a way of getting a payment from PayPal for a fixed charge of $5. I always use it for my clients in the States (I am in the UK).
I have been trying to explain how it works to a couple of Italian colleagues, but they are having huge problems with it (or maybe their clients are lazy/dense:).

If you do use it, can you post what you do, so that I can let these unfortunate people being hit by ginormous charges know. Obviously I can't explain the procedure well enough... Unless there is a problem with Italy in general (and that would NOT surprise me...:)

Andrea

[Modificato alle 2009-11-18 14:17 GMT]

[Modificato alle 2009-11-18 19:48 GMT]


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Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
TOPIC STARTER
No, let's have it public... Nov 18, 2009

It works for me, but a colleague has just written to me saying he has not managed to get his client to do it. €40 worth of charges later he is getting the money:(
There must be an inbuilt difficulty somewhere... but as I said, I do get them nae bother (as they say here).

Andrea

PS this is in reply to Claudio's post below... sorry for the confusion...

[Modificato alle 2009-11-18 12:42 GMT]


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Claudio Porcellana  Identity Verified
Italy
Paypal and e-cheques Nov 18, 2009

Hi Andrea

I'm receiving such a payment these days
as I MUST speak in english here, can you send me a private message (in italian) so I can better understand what you are speaking about?
after you can post here my comments if you like

Claudio


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Davide Negro  Identity Verified
Italy
Local time: 22:15
English to Italian
+ ...
echeque Nov 18, 2009

I m just receiving an echeque payment by an agency using this method. But why am I expeceted to be charged 5 euros??

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Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
TOPIC STARTER
Because that's the way it is... Nov 18, 2009

Davide Negro wrote:

I m just receiving an echeque payment by an agency using this method. But why am I expected to be charged 5 euros??


They charge $5 for the transaction (and whatever that turns out to be in € o £), which is a ***significant improvement*** better than 3.4%, especially for sums over say $150, never mind $1500!!!

Andrea

PS

Parts between *** have been edited because considered unbecoming if not outright offensive


[Modificato alle 2009-11-18 18:06 GMT]

[Modificato alle 2009-11-18 18:13 GMT]

[Modificato alle 2009-11-18 19:47 GMT]


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Smantha  Identity Verified
Israel
Local time: 00:15
English to Hebrew
+ ...
This is the best method to be paid through Paypal, Nov 18, 2009

because no matter how much you receive, you only pay 5 USD (or its equivalent), instead of the usual Paypal percentage fee (of 4% or something like that of the total sum received). The drawback here is that you have to wait a number of days, until Paypal will check that everything is OK with that payment.

But… as far as I remember, a company is only able to pay by e-cheque, if its bank account works with PayPal (for example, I only got paid by Paypal e-cheques by USA and Canada based companies, but never by those based in Europe).

Perhaps a better alternative for payments from Europe would be Moneybookers.


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lanave  Identity Verified
Italy
Local time: 23:15
French to Italian
+ ...
A matter of awareness Nov 18, 2009

Some time ago I received a payment via PP made by an outsourcer who was not aware about this option.

The amount was remarkable, so the fee I was charged by the system was very high. I could not explain him where the option was, because for some reason my account has not it.

Thanks to Andrea who sent me some screenshots, I could show my client at what point he had to select the eCheque option.

My client now kows, but what about all the others?

Another issue is: why that option is not available in my account? I could not find an answer. Do you know?

Thanks
Anna

[Modificato alle 2009-11-18 15:01 GMT]


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Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
TOPIC STARTER
According to Claudio... Nov 18, 2009

lanave wrote:

Another issue is: why that option is not available in my account? I could not find an answer. Do you know?

Thanks
Anna


...it depends on whether or not:
1) you have a card linked to your account (in which case it doesn't work)
2) the transaction is deemed too risky (not clear what it means)

I am ever so puzzled that I have written to them asking for clarifications (I think this is something we all need to know). I shall post their reply once I get it.

However, it beggars belief that they have to make it so difficult... I mean if the facility is there make it clear how it can be used.

Andrea


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Lise Leavitt  Identity Verified
United States
Local time: 17:15
Member (2008)
Danish to English
+ ...
From Italy Nov 18, 2009

I have received e-checks from a couple of agencies, Australia, Holland and the US. However, wanting to receive the check from an Italian agency, I called the PP services, which told me that from Italy this option is not possible. It had something to do with not being able to link the PP account directly with your bank/credit card...I am not sure.

The operator told me that it is possible to receive e-checks from various European countries, but not Italy. I am not happy about that, because you definitely save a lot on the fees. No matter the amount you receive, you always pay only $ 5.00 on the check.
Hopefully things in Italy will change soon....mah


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RichardDeegan
Local time: 16:15
Spanish to English
Query on e-cheques Nov 18, 2009

How does this e-cheque work?
Do both parties have to have PP accounts, or just the sender?
If both not required, in what form is the e-cheque received? What can be done with it?
Remember, there are some countries whose credit/debit cards PP does not recognize for establishing PP accounts, but joyfully assesses such cards for application fee charges, etc.


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lanave  Identity Verified
Italy
Local time: 23:15
French to Italian
+ ...
The link Nov 18, 2009

Hi Richard,

this is the link to the US website regarding eCheck. Help Center > Send and Receive money:

https://www.paypal.com/helpcenter/main.jsp;jsessionid=4zCQLGCfLknG7WQPzGRkzTytnVW41KyLN7XwmQyLSL9TJCKMLYzh!897088208?locale=en_US&_dyncharset=UTF-8&countrycode=US&cmd=_help-ext&serverInstance=9010&t=solutionTab&ft=browseTab&ps=solutionPanels&solutionId=10371&isSrch=Yes

I hope it helps.
Anna


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Claudio Porcellana  Identity Verified
Italy
Paypal and e-cheques Nov 18, 2009

Hi all

as I've understood, foreign agencies (typically US) that pay me thousands of dollars (not very common, unlucklily spend 5 $ to send me the money and I spend 5 $ to cash it:
a very fine process on my side

again, I've never had the need to send a lot of money to any foreign agency, while for online shopping, both PP and credit card work fine


Claudio


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Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
TOPIC STARTER
My understanding is that... Nov 19, 2009

Claudio Porcellana wrote:

Hi all

as I've understood, foreign agencies (typically US) that pay me thousands of dollars (not very common, unlucklily spend 5 $ to send me the money and I spend 5 $ to cash it:
a very fine process on my side

again, I've never had the need to send a lot of money to any foreign agency, while for online shopping, both PP and credit card work fine


Claudio


Only the receiver pays $5.


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Andrea Re  Identity Verified
United Kingdom
Local time: 22:15
English to Italian
+ ...
TOPIC STARTER
Info i have received from paypal (No.1) Nov 20, 2009

Thanks for contacting PayPal. I appreciate the opportunity to assist you
with your questions.

Ms. Re, if I understand you correctly you would like to know more about
echeck as your funding source. Rest assured that I'll be doing my best to
assist you further on your concern.

When an eCheck payment is sent, we must make an electronic transfer of
funds between financial institutions. These payments are also called Bank
Funding transfers.

* A bank funded payment is NOT a wire transfer; it is a group of
payments that are batched together at one institution and sent to an
automated clearing house
* At the automated clearing house, all of the transactions in the batch
will be segregated according to the destination bank to which they were
sent
* An electronic message will be sent to each bank account to ensure
that the account number is valid and that the account is open. Once
confirmed, the funds will be sent to the destination institutions

When you send money via eCheck, PayPal will debit your bank account for the
full payment amount, regardless of your PayPal account balance.

* The funds will be debited from your bank account as soon as the
payment is initiated
* An eCheck payment usually takes 7-9 working days to complete
* If the transfer is delayed at some point during the processing of the
electronic transfer, the transaction could take up to fifteen working days
to complete

You may view the Expected Clearing Date of your eCheck on the 'Transaction
Details' page. To view the Expected Clearing Date, log in to your account,
click the 'History' tab, and click the 'Details' of the transaction.

Please note:

* An eCheck payment is different than Instant Transfer as an eCheck is
not an instant payment
* An Instant Transfer sends the money to the recipient's account
immediately, because it has a back up funding source in case the transfer
fails

It is my pleasure to assist you. Thank you for choosing PayPal.

Sincerely,
Jinna
PayPal European Services
PayPal, an eBay Company

[Modificato alle 2009-11-20 12:28 GMT]


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