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Topic: buying credits and paypal

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Subject: buying credits and paypal
Date Posted: 6/20/2011 2:32 AM ET
Member Since: 3/28/2011
Posts: 5,142
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I'm thinking about buying some credits and I have paypal, but what does it mean when ppl say paypal gift only??  Can I do it with my paypal account? I've never heard of paypal gift.

Thanks!

Date Posted: 6/20/2011 3:08 AM ET
Member Since: 2/5/2007
Posts: 30,800
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When you get to paypal it ask if it's business or personal.  You click personal, and then there are several options, one of which is gift.  I believe they choose gift so there isn't an addition fee as there might be with a sale.  Yes - you do it from your paypal account.

Date Posted: 6/20/2011 7:54 AM ET
Member Since: 8/25/2007
Posts: 13,134
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You get assessed the transaction fee rather than the "seller" when you are asked to mark it as a gift.
Date Posted: 6/20/2011 10:24 AM ET
Member Since: 3/28/2011
Posts: 5,142
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Dawn, do you mean I get charged a transaction fee??

Date Posted: 6/20/2011 10:58 AM ET
Member Since: 2/12/2006
Posts: 4,349
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If you send it under Personal rather than Business, there shouldn't be a transaction fee.  I've sent $$ to family members and have purchased credits here without any problem or fee. 

Plus, PayPal notifies you before you complete any transaction if there is any sort of fee - such as using a credit card rather than a bank account or having $$ in your PayPal account.

Date Posted: 6/20/2011 11:11 AM ET
Member Since: 8/16/2007
Posts: 15,194
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You get assessed the transaction fee rather than the "seller" when you are asked to mark it as a gift 

No, no one gets assessed a fee when it is marked as a gift. If your PayPal is a business account you may not have the option to send it that way, but if your PayPal is a personal account, you click on the Personal tab, click the Gift option, and no fees are charged to either party on the transaction.

mistie -
Date Posted: 6/20/2011 3:13 PM ET
Member Since: 9/27/2007
Posts: 2,019
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Err, ut, if your paypal account is funded by a credit/debit card I though there was still a transaction fee - even for personal/gift transactions?

Sianeka - ,
Date Posted: 6/20/2011 3:56 PM ET
Member Since: 2/8/2007
Posts: 6,630
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Mistie, that isn't true.  I have funded many transactions through Paypal using credit/debit card with no fee.

Lisa N. (LDN) - ,
Date Posted: 6/20/2011 4:10 PM ET
Member Since: 6/19/2007
Posts: 11,092
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I always use a credit card to pay through Paypal and I have never paid a transaction fee.  I don't even choose anything (personal, gift, etc.).  I guess maybe because my account is just a personal account.

Date Posted: 6/20/2011 4:30 PM ET
Member Since: 8/25/2007
Posts: 13,134
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I've gotten charged a fee the times I've checked the gift option rather than a regular transaction.
Date Posted: 6/20/2011 5:58 PM ET
Member Since: 11/4/2009
Posts: 47
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I get charged $1 to send a gift. I've done it several times while buying credits. I don't recall a choice between business or family.

Date Posted: 6/20/2011 6:09 PM ET
Member Since: 10/28/2008
Posts: 3,529
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I sell credits alot and I have never been charged a fee and neither has the person buying them.  I always ask for them to use the gift option.

Date Posted: 6/22/2011 11:43 AM ET
Member Since: 3/28/2011
Posts: 5,142
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Thanks, everyone!  I guess I will give it a try, see what happens.

Date Posted: 6/22/2011 12:01 PM ET
Member Since: 11/28/2010
Posts: 754
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You are charged a fee even with the gift option unless you are paying with a linked checking acct or money that is already in your paypal acct.  I experienced this just a few minutes ago.

  I have decided to try the option of having money already in the paypal acct and doing it that way.   I just scheduled the transfer of money over to paypal, and I will let you guys know if I get a fee the next time I buy credits.

 



Last Edited on: 6/22/11 12:07 PM ET - Total times edited: 2
Date Posted: 6/22/2011 2:19 PM ET
Member Since: 1/8/2009
Posts: 2,016
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According to this link, whether there is any fee with "gift" (personal transfer) depends on how the money is funded.

https://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside

I think the primary motivation of sellers asking for "gift" is to avoid fees, but as a buyer one should keep in mind that if something goes wrong with the transaction, Paypal won't be available to help you recoup money sent as a "gift"

Date Posted: 6/22/2011 2:33 PM ET
Member Since: 8/16/2007
Posts: 15,194
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Lisa- you aren't paying the fee when you pay with the CC, the person you are paying is because they pay to get the money. That is why most senders are now asking that people use the gift option, because it is free or apparently reverses that so the sender can pay the fee instead of the seller when they use it. I have used the gift option many, many times and never paid a fee so I'm not sure if its just coincidence that I am not using my CC on those times or if it is just something different in the makeup of some people's accounts. 

Date Posted: 6/22/2011 3:14 PM ET
Member Since: 5/15/2005
Posts: 1,328
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I just checked my account and it's changed since the last time I sent money via a gift transfer. It's still free if I send as a gift using a paypal balance transfer or a bank account transfer but there's now a charge if I send a gift using a credit card (there wasn't before). I have the option of paying the charge or having the recipient pay it. I have a personal account.

Edited to add - It's possible I could have always had a paypal balance when I used the gift option as well, so I never noticed there was a fee for credit cards.



Last Edited on: 6/22/11 3:22 PM ET - Total times edited: 2