How to make the payment a 'personal payment'

pan · Involved Joined: Jul 25, 2006 Posts: 354

PayPal are now blatently raping the worlds payments:

Thank you for contacting PayPal, my name is [insert agent name] and I am happy to assist you today.

I understand you were charged a fee in receiving money in your PayPal account.
Please be advised that PayPal had recently updated the policy on receiving and sending payments.

With the update, all payments regardless of account type will be charged the Standard rate in receiving payments of 2.4% + $0.30 AUD regardless of funding source if the sender did not select Personal as payment type.

In the Send Money process, senders would need to select the category whether Personal or Purchase as type of payment. If payment is sent as Personal; all fees are waived except if the funding source is a credit/ debit card; in which case the sender will have the option to be charged the receiving fee or to pass it on to the recipient.

Please keep in mind that if amount received is in Personal type of payment, you will not be eligible for Buyer/ Seller protection as it is meant for Person to Person transfer.

How do I change Nuke Treasury so that it does Personal payment types as donations so I don't lose money to these bastards?

duck · Involved Joined: Jul 03, 2006 Posts: 267

I am not sure you'll find that to your advantage or not but it would be an interesting consideration. See the fee doesn't go away on personal it is still charged but it is now charged on the donator OR still charged on you (depending on the donators choice) Now as a donator how will you feel if you are going to donate $5 to someone and they ask you for extra money on top? Personally I would find that a little annoying and may cancel my donation or at least say no you can pay the fee. But that is me and my mind set. Maybe not everyones. How many donations will be lost for that practice vs Fees saved would make for interesting debate.

But to answer your question I am not sure as I wasn't aware the option existed.

pan · Involved Joined: Jul 25, 2006 Posts: 354

I didn't see anywhere the option to incur the fee as a payer.

PayPal has gone insane with power.

duck · Involved Joined: Jul 03, 2006 Posts: 267

Sorry actually you are right I misread that it is only if the payer uses a credit card are the fees still charged. That's not so bad then. I'll have to look into this myself.

pan · Involved Joined: Jul 25, 2006 Posts: 354

I'd like to know how to edit my Nuke Treasury so that the payment is looked at as 'Personal' so I'm not paying these fee's

rebelt · Worker Joined: May 07, 2006 Posts: 147

I don't know for certain but as Paypal has personal or business accounts.
would this line

Code:

if( !$dbg && strcasecmp( $_POST['business'], $tr_config['receiver_email']) != 0)

in ipnppd.php have anything to do with it?

But please check with someone who would know. I just used logic.

pan · Involved Joined: Jul 25, 2006 Posts: 354

Can anyone confirm this?

Raven · Posted: Tue Aug 25, 2009 10:49 pm

You really need to post this question in the Paypal Developer forums for a definitive answer.

duck · Involved Joined: Jul 03, 2006 Posts: 267

One thing I would also be concerned about and looked into is if paypal would consider donations to a website for whatever means as "not personal" and thereby if they did consider it as that would they then consider you as in violation of terms and penalize you?

wHiTeHaT · Posted: Wed Aug 26, 2009 3:24 pm

Duck is right in this case.
Paypal not offer a payment button as "personal", so there's nothing to generate a button for it.
Only when the payer choose for it.
But you can setup a "donation" account what uses lesser fee's
It is also not fair to say paypal company are bastards , as they offer you a service , you are free to use or not.
If think different of it ... simply put your IBAN on your site and ask if they donate manualy.(you would getting screwed then much more by your own bank)

alien73 · Involved Joined: Sep 15, 2008 Posts: 352

pan,

If you ever had a merchant account outside of Paypal you'd be glad to craw back. Paypal doesn't charge for all the chargeback fees etc...

wHiTeHaT · Posted: Mon Aug 31, 2009 4:45 pm

we say here: The sun rising up/down , THAT you get for free.

alien73 · Involved Joined: Sep 15, 2008 Posts: 352

Pretty soon they will find a way to charge for sunlight ROTFL

wHiTeHaT · Posted: Mon Aug 31, 2009 4:59 pm

it would not be a surprise to me lol HitsFan

kenno · Posted: Sun Sep 11, 2011 10:14 am

Did anyone find a way of doing this at all ?
I am wanting to maybe use this on one of my dog related sites, and use the funds that members donate solely to save dogs that are being sold and are in need of care.

But at present if I use this module to recieve these payments then we have to pay the 4% fees

Any ideas ?

Mark

papamike · Posted: Thu Sep 15, 2011 7:46 pm

At one time I added a news submission for jotform.com. It offers several payment methods so that you aren't reliant on PayPal. It's a wysiwyg form designer and I use it when I design a client non RavenNuke website.

duck · Involved Joined: Jul 03, 2006 Posts: 267

I will inform everyone THERE IS NO WAY TO MAKE A BUTTON ON YOUR WEBSITE TO NOT INCUR FEES from paypal. I know this cause I talked directly to paypal about the matter. The only way to receive money from someone via paypal without incurring a fee is to have them send a payment transfer from their paypal to yours marked as "Personal" But all buttons on a website that link to paypal incur fees as they are meant for services or goods.

Hope this ends the confusion for some.

Guardian2003 · Posted: Sun Sep 18, 2011 12:58 pm

From what I remember, PayPal has always taken a fee for subscrption/donation and most other payment types - they would be out of business if they didn't.
All credit and debit card transactions incur a fee from the issuing credit/debit card company, though you often don't see them because it is built in to the price of the goods/service you are buying.

duck · Involved Joined: Jul 03, 2006 Posts: 267

As I say if someone sends money directly from their paypal account to yours and marks it personal it will NOT incur a fee UNLESS a credit card is used then the sender has the choice to pay the fee themselves or pass it on to you. But No button on a website can be made to bypass fees. Credit Card or not.