Army Builder V3.0 in Development

>Why is using a creditcard via Paypal not a viable option??

Just to respond to the Canadian status of things... I've been snooping
around
my paypal account, and I can transfer money into my account directly from
my savings account - no credit card needed each time.

However, I think I needed to have a credit card at the start to verify my
account
(ie give them a way to track me down if something goes south!)

OTOH, it costs 2.9%+ $0.30 USD to receive funds. Is that the cost of doing
business, or
really too annoying?

The only advantage then is if Paypal accounts don't need credits cards (ie
my memory is wrong)
and that people can send cash through an already established mechanism -
which doesn't need to
poll for their credit card information again, thereby minimizing risks.

-Michael



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[rob]

It's perfectly viable to accept credit cards via PayPal. The problem is
that it's a complete waste of time and money. We already have full support
for accepting credit cards in place - with maximum security checking. So
why should we switch to PayPal to get the same (or less) service for a lot
more work on our end and to pay a higher cost for the service?

The only motivation for utilizing PayPal would be if we can accept debit
cards from international customers, since that's something we currently
can't do.

After a bit of research on this end, all of the debit card support is still
tied to US systems (through what's called the ACH or Automated Clearing
House). So at this point, it appears that adding debit card support won't
broaden the customer base who can purchase online from us. That's probably
why PayPal still hasn't eliminated its requirement for credit cards from
non-US users. :-(

-Rob

At 11:37 PM 6/11/2004 +0100, you wrote:
>Why is using a creditcard via Paypal not a viable option??


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Rob Bowes (rob@wolflair.com) (650) 588-8252
Lone Wolf Development www.wolflair.com




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[rob]

Your assessment of PayPal's only advantages is pretty accurate. Here's a
more indepth explanation of the situation.

The costs of accepting credit cards is just a cost of doing business that
any established business has to accept. However, the costs of using PayPal
are MUCH higher than accepting credit cards directly, so the only reason to
do it is if PayPal offers sufficiently more value to a company in the form
of access to more consumers. At this point, it looks like that is NOT the
case.

Canadian debit cards are typically Visa/MC cards now, just like in the
States, so there's no real advantage there. And supporting the UK is
probably not a large enough customer base alone to justify the significant
extra costs. Remember, we're not talking about the entire UK here - just
the percentage of AB users in the UK that DON'T have a credit card. And
most of the users in that category can probably get someone in their family
(or a friend) to place the purchase for them.

PayPal is of great value to individuals who sell stuff. It's also of value
to companies that don't have the technical ability, financial stability,
and/or desire to secure a merchant account to accept credit cards directly.
Since we already have full credit card capabilities in place, with full
security verification, and since PayPal costs significantly more, there is
no reason to use PayPal unless they offer us a benefit in some way.

Hope this clears it up for everyone....

-Rob

At 10:41 PM 6/11/2004 -0700, you wrote:
>OTOH, it costs 2.9%+ $0.30 USD to receive funds. Is that the cost of doing
>business, or
>really too annoying?
>
>The only advantage then is if Paypal accounts don't need credits cards (ie
>my memory is wrong)
>and that people can send cash through an already established mechanism -
>which doesn't need to
>poll for their credit card information again, thereby minimizing risks.


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Rob Bowes (rob@wolflair.com) (650) 588-8252
Lone Wolf Development www.wolflair.com




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> Canadian debit cards are typically Visa/MC cards now, just like in the
> States, so there's no real advantage there.

I hate to say this, Rob, but that is not a completely true statement for
Canadians. While you can LINK your credit card account to your debit card
(if they are the same bank) for payments and viewing accounts, your debit
card will not act as a credit card - so you can only use the debit purchase
option through your debit card. However, Canadians can give their credit
card the same functionality as a debit card - allowing them to leave the
debit card at home to save wallet space. I choose not to do so, and many
people do, for security purposes. I don't like all my accounts linked like
that so that if my card is lost or stolen it's that much easier to clean me
out.

Cheers,
Nick





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--- In armybuilder@yahoogroups.com, Rob Bowes <rob@w...> wrote:
[snip]
> Since we already have full credit card capabilities in place, with
> full security verification, and since PayPal costs significantly
> more, there is no reason to use PayPal unless they offer us a
> benefit in some way.
>
> Hope this clears it up for everyone....

Glad it's been put to bed - Sorry I brought it up :-)

Cheers,
Russell.




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