Question on paypal?

[jayjay]

Ok so I've been making some purchases of late through PayPal for vaping gear. Some of those purchases, there's no direction requested from the seller, so I just click the goods purchased type box. And I have no issues. The price is say a hundred quid, as far as I know the recipient receives a hundred quid. I am debited a hundred quid and As far as I'm aware there's also some protection for both parties here?

Anyway, some of my purchases, the seller asks for the paypal gift option so to avoid any PayPal charges. But whenever I select this option, I'm fed into another screen which shows me an option as to who will pay the PayPal charges. So it will say my debit is 104 quid. And the seller will recieve a hundred quid. Am I making sense or just thick.

Many thanks

[warlordxxx - (Mark)]

You are making sense Jay Jay when you pay normally - the seller gets some money removed for the transaction so you pay £100 they get less £99.81 for example - when on the gift option if you select to pay the fees then the seller gets the full £100 but you also have more risk when paying by gift as you are technically saying i'm giving you this money because i want to not because i'm getting anything in return

[Clutter]

Buyers have NO protection if they pay via 'Gift'.

Add the PP fee (3.4% + 20p in UK, more if cross border) to the £100 & select 'seller will pay fee' & Buyer Protection will be eligible. For purchases in excess of £100 fund your PP payment via credit card & you'll be eligible for Section 75 claim if you miss the 45 day deadline for PP disputes. Visa offer chargebacks in some circumstances too.

[jayjay]

Oh ok. I'm useless with PayPal. I didn't realise they were getting stung for charges as it just appears they get the full amount under goods purchased.
The way I read the requests I've had this past week it read like the gift option was paypal charges free, but I was seeing charges.
Thanks, that clears that up.

[Clutter]

If you have a cash balance in your PP account a 'Gift' payment will be free of charge to you. CC or DC funded payments incur fees.

[dave]

The other way to avoid PP charges is to link your PP account to your bank account. That way if you use PP gift within the UK you pay no fees and the money comes out of your bank account. Personally I would only do this with someone I trust though.