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How safe are credit card payments compared to PayPal?

  • avatar

    by: SparklesJax
    SaleHoo Junior Member
    15 posts

    How safe are credit card payments compared to PayPal?

    Posted 30 May 10 1:37 am.

    Hi, I have been buying small lots now for a couple of years and have ALWAYS used PayPal. I am interesting in buying from efashion wholesale but they seem to only accept credit card payments. Has anyone any advice for me on this.... am nervous.... thanks.
  • avatar

    by: paul1978
    SaleHoo Senior Member
    54 posts

    Re: How safe are credit card payments compared to PayPal?

    Posted 30 May 10 8:33 am.

    credit card payments are a secure way of payment.

    ask you credit card issuer what amount you are insured too if anything goes wrong.

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    If you want a guarantee buy a toaster

  • avatar

    by: SparklesJax
    SaleHoo Junior Member
    15 posts

    Re: How safe are credit card payments compared to PayPal?

    Posted 30 May 10 9:15 am.

    Thanks Paul. I'm not sure I understand... I assume the c.card is debited when I place my order... it can take many weeks (avg 3-4) for the goods to reach NZ. If the quality is bad, they send the wrong thing, they never arrive can I claim it back? Is that what you mean? Will the c.card company reverse the charge? Your help is appreciated. Cheers.
  • avatar

    by: fudjj
    SaleHoo Staff
    2971 posts

    Re: How safe are credit card payments compared to PayPal?

    Posted 30 May 10 7:58 pm.

    Hi SJ,

    Yes, you can file a charge back on a credit card payment any time that you use your card without actually signing your name to the purchase.

    No I'm unsure if providers all offer the same time period as to when a charge back has to be claimed by, but the standard time is around 2-3 months from what I have heard.

    Contact your card provider to get full charge back details.

    To be honest, using your credit card for purchases is about the best form of payment. While PayPal does offer some level of protection, it's not as much as the charge back system on a credit card.

    Marc Ransom

    Community Manager
    SaleHoo.com

    About the Community Manager

  • avatar

    by: richellemonfort
    SaleHoo Staff
    3746 posts

    Re: How safe are credit card payments compared to PayPal?

    Posted 30 May 10 10:56 pm.

    Welcome to the site SparklesJax :)

    Yup, fudjj is right about credit cards being the safest form of payment online. You are only covered by PayPal's buyer protection program when you are buying on eBay but outside of eBay you are pretty much on your own when you use PayPal. They simply become another third party provider, unless you link your PayPal account to your credit card, which allows you to override them and go directly to your credit card company to process your chargeback.

    I also recommend keeping in touch with us on Facebook and Twitter for daily wholesale and eBay selling tips:

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    Cheers! :)

    Richelle

    Customer Support
    SaleHoo Group Limited
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