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PAYPAL
(paypal@quicktest.co.uk) 

UK customers please use NOCHEX (the British version of Paypal) because Paypal has too many rules (see below) whereas NOCHEX has very few rules.

We accept PayPal payments only if they comply with PayPal's Seller Protection Policy. Here is a very brief summary of their rules:

  • The transaction must be listed by PAYPAL as  'Seller protection Policy Eligible'
    (Being listed as 'Partially Eligible' isn't good enough)

  • We must ship to the address you have registered with PAYPAL
    (we must ship to this address...even if you no longer live there)

  • The payment must be a single payment from one PAYPAL account

  • For orders under £150.00 posting / tracking information must be available online - if you do not pay for a trackable service your money will be refunded and you will be referred to this page.

  • For transactions of £150.00 or more in value, we need to provide a proof that the item was signed for

You do not have to use PayPal, there are many other methods of payment: cheque, Postal Order, Bank Draft, Building Society Cheque, Counter Cheque, Personal Money Order, Moneygram, Bank Transfer if you use online banking - any of these accepted in GBP (Great Britain Pounds) or USD (U.S. Dollars). Also accepted: cash by insured post (Pounds, Dollars or Euros).

QUESTIONS AND ANSWERS 

Q. Why have you refunded my money? I have been with PayPall for years and there's nothing wrong with my account!
A. That PayPal has not guaranteed this transaction does not mean that there is something 'wrong' with your account, it just means they regard this particular transaction as too 'risky' to guarantee, we don't know why, you must ask them.

Q. You say you have refunded my money but I've checked my bank account and I can't see it - where's my money?!
A. PayPal is American, the transaction is processed first through the international banking system, and so it will take 1 to 2 weeks (they say, "7 to 9 working days") for the refund to arrive.

Q.  I've never had problems with PayPal before, why do other sellers accept PayPal without conditions?!
A.  Yes, other sellers accept payments that are not guaranteed, we do not. 

Q. ...but aren't all PayPal payments guaranteed?
A. No. PayPal payments can be 'returned' up to six months later and every seller gives PayPal permission to reclaim the money ('chargeback' or 'reversal') directly from their account, unless the transaction is marked SELLER PROTECTION POLICY ELIGIBLE - please read PayPal's terms and conditions.

Q. How do I know if my payment will be ELIGIBLE or INELIGIBLE?
A. You don't - you have no way of knowing (and we have no way of knowing), PayPal will decide when you make the payment. It is as if you go to a store and must buy the goods and pay by credit card before they tell you they can't accept the card.

Q. Are you seriously saying that if I pay by PayPal (so that you receive the money, having agreed the transaction) you are likely to refund my money and refuse to send the goods?
A. Remarkable as it seems, these are PayPal's rules. I am surprised that this is legal. But these are PayPal's rules.

Q. But PAYPAL have marked my payment 'Partially Eligible'
A. That merely means that PayPal will guarantee your money (to us) if the item goes missing in the post (and, presumeably, refuse to give you your money back), but since, by following their terms, the parcel will be insured anyway, this is of no benifit to us.

Q. I didn't read this page and I didn't read the postage charge on the listing and now the postage charge is too much.  What do I do?
A. The high postage charges only apply if you are paying by PayPal, there are many other ways to pay: cheque, Postal Order, Bank Draft, Building Society Cheque, Counter Cheque, Personal Money Order, Moneygram, Bank Transfer if you use online banking - any of these accepted in GBP (Great Britain Pounds) or USD (U.S. Dollars). Also accepted: cash by insured post (Pounds, Dollars or Euros), or NOCHEX for U.K. customers wishing to pay by credit or debit card.

Q. What does PayPal say?
A. PayPal says:

We are asking customers to use their best judgment with each transaction. It depends on the product being sold, the location it is being shipped to and the location of the buyer. It is a question of whether the seller feels comfortable about the transaction, if there is in anyway any feelings of discomfort or uneasiness then the seller should not continue with the transaction.

I am 'uncomfortable' with any payment that is not guaranteed. This is NOT a reflection of what I think of any particular customer, this purely because of PayPal's policy.

They also say:

If you accept credit cards, whether in person or through PayPal, you may encounter a chargeback from a buyer - just as a seller accepting personal cheques might receive an occasional bad cheque. Chargebacks are an unfortunate but realistic cost of doing business, and most sellers factor this cost into their business plans.

- however, they forbid us to make a surcharge for accepting PayPal, so it is not possible to "factor this cost into [our] business plans" - they expect us to charge all our customers more to cover the risk of taking Paypal, that's simply not fair for the 99% of our customers who, like you, are honest.

PayPal - an analogy (for U.K. Customers)

Before visiting a shop you telephone to check that they accept cheques and they say yes, they do accept cheques but only with a Cheque Guarantee Card. You then go all the way to the shop, spend time choosing the goods, go to the checkout, write out a cheque and show them your cheque card. The shop has the very latest technology so they are able to bank the cheque immediately. A few minutes later they tell you that they can't accept the cheque because your cheque card isn't valid for this particular transaction. You ask them what is wrong with the card and they tell you that there is nothing 'wrong' with the card, it is merely that it is not valid for this particular transaction. You want to know why they didn't tell you about this when you telephoned and they explain that there is no way of knowing until after you have paid. They refund your money. You are not pleased. The retailer is not pleased either because customers keep complaining, so he (the retailer) calls the bank. The bank tells him that he doesn't have to accept cheque cards because most cheques are OK, and that they advise him to accept all cheques without a card - unless he feels 'uncomfortable' in which case he should bank the money, refuse to hand over the goods, then refund the money.

If you are a great fan of PayPal, I understand - PayPal is very convenient for the buyer, but it's not so good for the seller!