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Hey I want to buy some PDFs to support you guys but I want to use PayPal. Why no PayPal? I am using the FireFox browser is that why the option doesn't show up?
From the FAQ:
Can I use PayPal?Not directly, but PayPal has a "Secure Card" program that lets US customers create single-use or multiple-use MasterCard numbers that function just like a MasterCard from our side, but draw from your PayPal account on your side. See PayPal's site for details. (If you're setting up a subscription, please provide a multiple-use account number.)
the issue is that, especially with subscriptions, paypal policies require you to charge within x hours/days or making an authorization, while some Piazo subscriptions or preorders are shipped/charged a week+ after the authorization.
Looks like they take credit cards as well as bank accounts.
Not all banks offer a debit card, or charge for one.
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Looks like they take credit cards as well as bank accounts.
Not all banks offer a debit card, or charge for one.
Well if you have a credit card, then you don't need pay pal.
That said... Really?.. there are banks don't offer Debit Cards? I have never seen one that did not offer a Debit Card.. Even overseas.. But I have not seen every Bank..
Anyone who has a bank like that I would suggest getting as new one.
Pay Pal is useful though for those that are using other peoples accounts.. like Your parents..
So I can see it being needed then.
Other wise there are many ways to get a Debit Card or Credit Card.. Not even Hard work. *Minors Excluded*
Looks like they take credit cards as well as bank accounts.
Not all banks offer a debit card, or charge for one.
Well if you have a credit card, then you don't need pay pal.
That said... Really?.. there are banks don't offer Debit Cards? I have never seen one that did not offer a Debit Card.. Even overseas.. But I have not seen every Bank..
Anyone who has a bank like that I would suggest getting as new one.
Pay Pal is useful though for those that are using other peoples accounts.. like Your parents..
So I can see it being needed then.
Other wise there are many ways to get a Debit Card or Credit Card.. Not even Hard work. *Minors Excluded*
The reason I would use Pay Pal with my credit card is so that I don't have to give out my credit card number. Virtual Account numbers and "proxy" websites are much safer than using your own card. For example, on eBay.
Middle of nowhere banks, like Spencer, SD. Also, some banks charge fees for a debit card, like an annual fee that people do not want to pay.
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Middle of nowhere banks, like Spencer, SD. Also, some banks charge fees for a debit card, like an annual fee that people do not want to pay.
Yup, this is the whole reason I opened a checking account when I was still a student... having a small bank (only 4 branches) they forgot to switch my account type over when i graduated, so I still have no charge for checks, and I can use my debit card for free...
Middle of nowhere banks, like Spencer, SD. Also, some banks charge fees for a debit card, like an annual fee that people do not want to pay.Yup, this is the whole reason I opened a checking account when I was still a student... having a small bank (only 4 branches) they forgot to switch my account type over when i graduated, so I still have no charge for checks, and I can use my debit card for free...
Don't tell anyone, but I'm still getting an employee rate, 2 years after I quit ; )
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Middle of nowhere banks, like Spencer, SD. Also, some banks charge fees for a debit card, like an annual fee that people do not want to pay.Yup, this is the whole reason I opened a checking account when I was still a student... having a small bank (only 4 branches) they forgot to switch my account type over when i graduated, so I still have no charge for checks, and I can use my debit card for free...
I have a major bank, Not charged for using Checks *Wait people still use checks?* Or using Debit card, except at ATMS *Though I am thinking of changing my bank to one that does not charg for ATMS* But using my debit card for buying things I have no extra fees.
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I would also like the PayPal payment method. The reason is that for each purchase in $, I'm charged a fee because my credit card is in €.
I guess it's the same for every European customer...
ah, forgot about the conversion charge. You check other banks to see your options on this?
In the US to other the charge is 3% - 5% of total charge for the fee. But not all banks charge that. For my Debit Card I don't get charged a conversion fee at all here in europe, but I do with my credit card *Which I never use*
I would also like the PayPal payment method. The reason is that for each purchase in $, I'm charged a fee because my credit card is in €.
I guess it's the same for every European customer...
It's not.
But, regarding PayPal: they stated it would cost them more than it was worth setting up the Paypal-payment method IIRC
I am always confused about this...
To use Pay Pal don't you need a bank account?
And if you have a Bank account don't you get a Debit Card?
And if you have a Debit Card can't you use that instead?
Or am I wrong?
I don't think you can use the a debit card for that, at least not one from every country.
I'm pretty sure I couldn't pay with my EC card, and if I did, there'd probably be all kinds of fees involved.
The best bet will indeed be to get a Credit Card. I don't think they're that expensive these days.
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I am always confused about this...
To use Pay Pal don't you need a bank account?
And if you have a Bank account don't you get a Debit Card?
And if you have a Debit Card can't you use that instead?
Or am I wrong?
I don't think you can use the a debit card for that, at least not one from every country.
I'm pretty sure I couldn't pay with my EC card, and if I did, there'd probably be all kinds of fees involved.
The best bet will indeed be to get a Credit Card. I don't think they're that expensive these days.
I was not saying use a Debit card for Pay Pal, but for Buying from Paizo.
My Logic was this.
Pay Pal - Requires a Checking Account
Checking Account- If you have a Checking account you can get a Debit Card
Debit Card- If you have a Debit card you can use it to buy from Paizo since it does not use Pay Pal.
Though At first this logic led me to think why would anyone then use pay pal? But if pay pal using your checking account does not cost the Euro to Dollar conversion fee, I can see why.
Security Reason for using pay pal is not a good reason to me. The majority of issues of security from releasing your credit card info on a ecommerce page are from malicious logic on your own system and not a hacked ecommerce page, so it is just as dangerous to put that info in pay pal as it is in a ecommerce page.
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I am always confused about this...
To use Pay Pal don't you need a bank account?
And if you have a Bank account don't you get a Debit Card?
And if you have a Debit Card can't you use that instead?
Or am I wrong?
I don't think you can use the a debit card for that, at least not one from every country.
I'm pretty sure I couldn't pay with my EC card, and if I did, there'd probably be all kinds of fees involved.
The best bet will indeed be to get a Credit Card. I don't think they're that expensive these days.
This is one thing UK banks get right, pretty much all debit cards are either Visa or Mastercard debit cards, so usable the world over.....
Others appear less fortunate.....
I was not saying use a Debit card for Pay Pal, but for Buying from Paizo.
I was not saying I can't use my Debit card for Pay Pal, but for Buying from Paizo.
I can link my bank account to PayPal.
But I cannot use my Debit card with Paizo. It's neither Mastercard nor Visa.
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I was not saying use a Debit card for Pay Pal, but for Buying from Paizo.I was not saying I can't use my Debit card for Pay Pal, but for Buying from Paizo.
I can link my bank account to PayPal.
But I cannot use my Debit card with Paizo. It's neither Mastercard nor Visa.
KaeYoss, Aren't you In Germany? I have to re look, But I am almsot Certain My Wife's german bank gives her a Debit card that is either Visa/Mastercard *can't remember which*, But I could be wrong, that could be her Turkish bank, will have to check when I go home.
KaeYoss, Aren't you In Germany? I have to re look, But I am almsot Certain My Wife's german bank gives her a Debit card that is either Visa/Mastercard *can't remember which*, But I could be wrong, that could be her Turkish bank, will have to check when I go home.
I don't think I could get any other debit card. But I haven't looked - I have my credit card for Paizo (and the occasional other online purchase), and everything that one doesn't cover around here, my EC card does.
KaeYoss, Aren't you In Germany? I have to re look, But I am almsot Certain My Wife's german bank gives her a Debit card that is either Visa/Mastercard *can't remember which*, But I could be wrong, that could be her Turkish bank, will have to check when I go home.
I was not saying use a Debit card for Pay Pal, but for Buying from Paizo.I was not saying I can't use my Debit card for Pay Pal, but for Buying from Paizo.
I can link my bank account to PayPal.
But I cannot use my Debit card with Paizo. It's neither Mastercard nor Visa.
This is generally true, yes, at least here in Denmark. You usually get a combined Danish credit card/VISA debit card (it's a long story, read more here if interested).
Some people, however, get a more limited VISA debit card, called a VISA Electron card (actually, it's a more standard debit card, where you actually have to have the funds available on your account to do a withdrawal/transaction).You can use the VISA Electron card a lot of places, with PayPal also, but some places, usually businesses located in the US, you can't use it.
Thanks to a deposit being late to my account (and thus didn't cover an overdraw for 2 days), something I unfortunately didn't have any power over, my normal VISA card was revoked and I'm now stuck with the Electron version. Thus no more Paizo subscriptions for me. :-(
Other countries/banks issued Maestro cards, which are the similar cards to the Electron, just from MasterCard.
And no, the PayPal Secure Card service is only available within the US (might cover Canada too) so far.
Chief Technical Officer
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I would also like the PayPal payment method. The reason is that for each purchase in $, I'm charged a fee because my credit card is in €.
I guess it's the same for every European customer...It's not.
But, regarding PayPal: they stated it would cost them more than it was worth setting up the Paypal-payment method IIRC
First of all, no matter who converts your Euros to dollars, you're going to get hit with a currency conversion fee somewhere.
And the main reason for the lack of PayPal is not cost—it's that their authorization requirements are flat-out incompatible with most of our transaction types. If their authorizations worked like those of MasterCard and Visa, we'd have probably set up PayPal payments several years ago.
As for which debit cards are valid here, so long as your debit card has a MasterCard or Visa logo and bears a standard 16-digit code, I believe our credit card processor will handle it.
As for which debit cards are valid here, so long as your debit card has a MasterCard or Visa logo and bears a standard 16-digit code, I believe our credit card processor will handle it.
Hmmm, I seem to remember that I tried to pay with my VISA Electron, but was told that they couldn't process it. I might have to give it another try.
Something just popped into my head. Might there be a reason along the lines that you had to have an European bank account to process e.g. VISA Electron cards, since the card isn't in use in the U.S.?|
Chief Technical Officer
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Hmmm, I seem to remember that I tried to pay with my VISA Electron, but was told that they couldn't process it. I might have to give it another try.
Hmm. According to Visa, "Acceptance for Internet transactions can be also supported, at the issuer’s discretion."
So I guess what I'm saying is that *if* your card issuer allows internet transactions, we'll accept it.
Hmmm, I seem to remember that I tried to pay with my VISA Electron, but was told that they couldn't process it. I might have to give it another try.Hmm. According to Visa, "Acceptance for Internet transactions can be also supported, at the issuer’s discretion."
So I guess what I'm saying is that *if* your card issuer allows internet transactions, we'll accept it.
I've used it on other sites, so I should think that that option is supported. I think I'll have to try and find something for a one-off buy to see if it goes through.
Okay, so I just bought the newest Kobold Quarterly and the order seemed to go through fine. Unless something comes up about the payment being denied by my bank (there's certainly enough money in my account to cover the purchase) over the next couple of days, it seems that one is actually able to use VISA Electron cards in the shop.
Wohoo! :-D
Now my only concern is whether the procedure is different with regards to subscriptions (the whole pre-approval "charge" etc.)...
That means that even though one cannot use PayPal, it should be possible to obtain a VISA Electron card through your bank (go ask them!) if you're situated in Europe.
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Chief Technical Officer
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Okay, so I just bought the newest Kobold Quarterly and the order seemed to go through fine. Unless something comes up about the payment being denied by my bank (there's certainly enough money in my account to cover the purchase) over the next couple of days, it seems that one is actually able to use VISA Electron cards in the shop.
Wohoo! :-D
Now my only concern is whether the procedure is different with regards to subscriptions (the whole pre-approval "charge" etc.)...
That means that even though one cannot use PayPal, it should be possible to obtain a VISA Electron card through your bank (go ask them!) if you're situated in Europe.
Here's the way it works: when you place your order, we immediately authorize your card for the amount of the transaction. In the case of a subscription, the amount we authorize is the cost of the first shipment. With credit cards, you just need to have available credit, but with debit cards, you have to have enough of a balance in your account to cover it. (Some bank accounts will give customers some "float," but Visa Electron specifically says your balance must cover it.) That authorization basically reserves the money for us, but doesn't actually transfer anything. If we don't ship your order in the next day or so, your bank will close the authorization, freeing up that money for you to use. (The time to expire depends on your bank—it's usually a couple of days.)
When we go to ship the order, we process against the authorization if it's still open—that is, we make the actual transfer. If the authorization has expired, we'll open a new one and then make the transfer. If we try to make an authorization, and your bank declines it, we automatically send you an e-mail letting you know about it.
In the case of a subscription, we open up new authorizations a couple of days before we ship, so if it's declined, you'll have some time to get it fixed before we ship.
Long story short—you can use Visa Electron (or other debit cards) to order a subscription, but your balance will need to cover the first volume at the time you place your order.
Paypal now offers a debit card of their own.
Check the site for details.
This might be of interest for people in the U.S., just as with their "Secure Card" - you guys have all the luck it seems. ;-)
It doesn't seem to be available here in Europe, though (at least I can't find anything about it after logging in to my account, but I can see the ads for it on the U.S. site), but it might be worth looking into if one usually uses PayPal and doesn't want to use their own Credit/Debit Card.
Btw, I just wanted to clarify where I had the "requires an European bank account to accept [e.g. VISA Electron] cards" statement from:
could you at least expand on the cards you accept to include the UK/Europe's bank cards? There is a HUGE market out here that you could take advantage of if you were to do that small step :)We looked into that a little bit, but it appears you have to set up a bank account in Europe to do that, and then deal with money transfers, currency exchanges, and foreign taxes, so we didn't get very far. (We'd also have to rewrite our credit card processing code to deal with more than one processor, and that can get a bit tricky.)
So, that's from some research I did a while ago when my regular VISA card was cancelled. It appears that things have changed since then, though.
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Chief Technical Officer
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Btw, I just wanted to clarify where I had the "requires an European bank account to accept [e.g. VISA Electron] cards" statement from:
So, that's from some research I did a while ago when my regular VISA card was cancelled. It appears that things have changed since then, though.could you at least expand on the cards you accept to include the UK/Europe's bank cards? There is a HUGE market out here that you could take advantage of if you were to do that small step :)We looked into that a little bit, but it appears you have to set up a bank account in Europe to do that, and then deal with money transfers, currency exchanges, and foreign taxes, so we didn't get very far. (We'd also have to rewrite our credit card processing code to deal with more than one processor, and that can get a bit tricky.)
I think that was back when we were talking about cards like Switch/Maestro, which we still can't accept.
I think that was back when we were talking about cards like Switch/Maestro, which we still can't accept.Btw, I just wanted to clarify where I had the "requires an European bank account to accept [e.g. VISA Electron] cards" statement from:
So, that's from some research I did a while ago when my regular VISA card was cancelled. It appears that things have changed since then, though.could you at least expand on the cards you accept to include the UK/Europe's bank cards? There is a HUGE market out here that you could take advantage of if you were to do that small step :)We looked into that a little bit, but it appears you have to set up a bank account in Europe to do that, and then deal with money transfers, currency exchanges, and foreign taxes, so we didn't get very far. (We'd also have to rewrite our credit card processing code to deal with more than one processor, and that can get a bit tricky.)
Indeed, that seems to be the case, I guess I just took that to mean any of those debit cards.
I think that was back when we were talking about cards like Switch/Maestro, which we still can't accept.
It would indeed be wonderful if you could accept Maestro, as that's what most of us in Switzerland are stuck with (unless you're rich, and not all of us are). For now I use my American credit card, but that requires a wire transfer to pay off, which would be wonderful to avoid. What's the reason Maestro and Switch are hard to accept in the U.S?
Cheers,
Twings
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Chief Technical Officer
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I think that was back when we were talking about cards like Switch/Maestro, which we still can't accept.It would indeed be wonderful if you could accept Maestro, as that's what most of us in Switzerland are stuck with (unless you're rich, and not all of us are). For now I use my American credit card, but that requires a wire transfer to pay off, which would be wonderful to avoid. What's the reason Maestro and Switch are hard to accept in the U.S?
Cheers,
Twings
Our credit card processor and bank doesn't accept them, so we'd have to find a different processor. And unless things have changed significantly since I last looked, we'd also have to set up a bank account in Europe and deal with money transfers, currency exchanges, and foreign taxes.
A Visa or Mastercard isn't exactly expensive. 20€ a year isn't that bad I'd say.
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I would also like the PayPal payment method. The reason is that for each purchase in $, I'm charged a fee because my credit card is in €.
I guess it's the same for every European customer...ah, forgot about the conversion charge. You check other banks to see your options on this?
In my experience, PayPal offers me a worse exchange rate than my credit card company does when paying in USD.
In my experience, PayPal offers me a worse exchange rate than my credit card company does when paying in USD.
Same here.
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Chief Technical Officer
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Sorry to dig this thread out, but I can't seem to find the way to pay with PayPal using one of these one time use credit card numbers the FAQ refers to.
Vic, can you please explain what I need to do?
Thanks!
Sadly, PayPal keeps that stuff behind a members-only signin, and I don't use PayPal, so I've never actually seen it myself. Their documentation suggests to me that if you sign in to PayPal and go here, it'll tell you everything you need to know.
If it doesn't, perhaps somebody here who has used it can provide some assistance with specific questions?
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I've never heard of single use Paypal cards before, but I have heard of the paypal debit card. It's a mastercard that works like a regular bank debit card, except that it withdraws from the balance you keep on Paypal account. (So you'd have to add funds directly to paypal from your checking account or other sources to keep using it.)
You need a Paypal account, after that just go here..
https://www.paypal.com/us/cgi-bin/?cmd=p/acc/dc_intro
Or if you don't trust strange links (which you shouldn't) go to Products & Services across the top menu and then select Paypal Debit Card on the lower left.