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Have you ever been unable to pay by direct debit through PayPal? (lemmy.world)

submitted 5 months ago by [email protected] to c/[email protected]

10 comments fedilink hide all child comments

I recently wanted to buy a product from a manufacturer and luckily they offered PayPal as a payment method. However, after I signed into my PayPal account, it wouldn't show my bank account as a payment option and instead prompted me to add a card or bank account, despite my account being fully confirmed and direct debit activated. PayPal customer service reps told me that maybe the retailer blocked direct debit through PayPal and I should try adding a credit card, however, why would they do that if they offer non-PayPal direct debit anyway? The customer service reps further told me that my account was in good standing, so there shouldn't be any problems with trust etc. Have you ever encountered an online shop that refused direct debit when handled by PayPal?

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[–] [email protected] 3 points 5 months ago (1 children)

Yea, this was a common occurrence when I used to rely on PayPal bank transfer. Apparently individual merchants can decide whether to accept it or not.

[–] [email protected] 2 points 5 months ago (1 children)

Thank you for your contribution, that supports my suspicions. But do you know what incentive a merchant could have to not accept it? I find it weird that they would not accept SEPA direct debit when handled through PayPal, but they do accept it when there's no intermediary.

[–] [email protected] 3 points 5 months ago

My guess would be that there's extra fees involved on the receiving end related to a "transfer" and not a "payment".

Just a guess at the reason, but usually money is the first cause of "why not".