Whether Sending or Receiving to Friends, Family or Pros is always a breeze
I’ve been using PayPal for nearly as long as they’ve been around or at least as long they were still in the countdown preparing to launch full steam ahead into the financial world. As I write this review I can’t help but think back to the days before PayPal and I just shake my head. Does anyone else remember the days of getting a call or text (if you even had a cellphone yet) saying “I just put an envelope in the mailbox with a check for you. Please let me know when you get it so I know it didn’t get lost in the mail.”?
Even better was finally getting a check and the joys of going to YOUR bank, no matter how quick & easy or a total pain the location was, to either cash the check or deposit it and wait for it to post. I am totally aging myself but I remember all of that and it was a pain.
Now I know there are all sorts of new pay and get paid apps out there, and yes I have an account with one of them, but I don’t trust any of them the way I trust PayPal. I may have another for the much needed flexibility in today’s world but I always make the initial payment or payment request attempt by asking if *they* have a PayPal account and I don’t see that ever changing. And as long as PayPal continues to stay competitive with their features, then I have absolutely no reason to go a different path.
For the most part PayPal is great but it needs to be improved. Last week I ordered an item and I was sent a message to verify that it was me. I verified it. Then, there seemed something suspicious about it so I read some reviews on the seller’s website. It turned out that the seller had sent different items than what was purchased or most of the time nothing at all. The seller was known to offer items that you browse, and make pop ups that offer the same items on sale, using the exact same pictures of the item. Even the website sounds similar to the real thing and the seller even offers free shipping no matter how heavy and oversized the items are. Delivery promised in two days.
So, very shortly after placing the order, I tried to cancel it, and filed a complaint. However, there was no drop down menu that you can pick for sellers engaging in this activity. I tried to call and speak to a live person and wrestled with the phone tree until finally I got a message that the business was closed (it was 6:30 AM). The next day I got an email from Paypal that my fraud complaint was denied and they sent me a screen shot of my agreement that it was me on my account trying to place the order. Case closed.
Fraud is running rampant on the internet and Paypal has not offered anything but minimal protection against it. At the very least there should be a way to freeze a payment when it becomes questionable.
PayPal is the “Go-To App” for anything money related!
By Tami Scott
I have been using PayPal for Several years and I absolutely love it. I can use PayPal to pay for anything I buy online, transfer money to someone, receive money from someone, send or receive money from a bank, etc. PayPal gives me peace of mind knowing that my money is safe and secure and that it’s back by the PayPal guarantee. Several years ago I made a purchase On eBay and paid through PayPal, but the seller (*an individual E-Bay user - E-Bay itself was not at fault and took immediate action.) never sent the item I purchased and was unreachable for a refund. Thankfully I had paid through PayPal so when I contacted PayPal Regarding this, PayPal said I was it was back with the PayPal guarantee and immediately refunded my money. They were amazing! Had I not used Paypal, I would have just been out $100. It’s like having insurance for purchases! Their website is easy to use, their customer service is outstanding, and they can do everything and Most of it cost nothing. There are some small fees for sending or receiving money, but those fees are much smaller than anywhere else for the same service and I can do it all online. The highest fee I’ve ever paid was less than $2.00 I believe. There is absolutely no comparison to PayPal - they are amazing!
Since ebay sold it in early 2017 or so, PayPal...
By c m c m d
Is still very good customer service and guarantees their purchases (and I've had to use that before because of scammers)! But now with every item purchased, you have to verify yourself with a phone call or text! Every time, even for ten cents! Annoying! How about one time only...it's still me!!! Glad the newest update allows you to separate different purchases into separate addresses since I have a business and two homes etc! Still like it but wish more businesses took PayPal! Only my hairdresser does but I wish markers and gas or restaurants did because I'd use it more and transfer less money from PayPal to my bank! Think about it new PayPal owners! The world is changing and you paid billions for this company! I just gave you a free marketing strategy that you otherwise would've had to pay a bunch of soft-heads millions of dollars to think of, if they would've. Now figure it out (or other companies like Venmo or even MasterCard will do it...Apple already has/is)! Good luck. I'm getting sick of verifying every purchase I make! How about over $100?! Fifty cent purchase from China requiring verification?! If I didn't get it I wouldn't care even! Loosen up guys! And gals! You'll make a lot of money! Just stop harassing customers who have been on PayPal for decades and decades already! We aren't the thieves!!! Thanks for everything else...good job ;)
Difficult to navigate but does a lot
By Midwest Mimi
I have had a paypal account for almost twenty years. It has been handy and useful. There have been some difficulties along the way but they’ve worked out. Two complaints-one, about 10 years ago I sent$130 worth of items to a buyer. Tracking showed them at a post office near where they were going. When the buyer filed a claim with EBay, PayPal simply removed the money from my account. No question, no discussion. No communication. I followed up with the post office and got nowhere, but that’s a different story. Two, since I’ve been using my phone for EBay, I’ve used other parts of my app. It’s difficult. For example, I can add as many addresses as I want, but I can’t change my default, where I no longer live. I can get to the site, but there’s no option to remove my default, just my additional addresses. Today I tried using the Shipping label part. ‘Help’ doesn’t help. I finally figured out how to do it from my summary but after 6 labels it told me I needed to add a debit or credit card or bank account because I didn’t have enough funds. I checked my balance, my bank balance, and debit card balance. They were all way good. I logged out and tried again. No good. I’ll try again tomorrow but two customers of mine didnt get the one-day service I offer.
Random holds on sending money
I’ve experienced a number of frustrating problems with PayPal. I’ve talked with customer service numerous times about the situation. Basically, PayPal will randomly prevent me from sending money to my bank. It seems like they have algorithms that may flag your account based on quantity and frequency of transferring money to banks. They said it looks at different factors of how old your account is, how often you use it, how much you send, etc. Ok all of that could be overlooked if customer service or a manager could override the algorithm’s decision, but they can’t. Not only that they can’t even explain definitively why a hold was put on the account. You can’t even call ahead to ask if you try to send money will a hold be placed on the account. They don’t know. You just have to try sending money and see what the almighty algorithm decides. I sent almost $4k in one transfer last Dec with no issues. Then a month or so later tried to send the same, but was denied. I tried to send $3k, but still denied. Customer service suggestion was try to send $1k a little each week or so to build up amount can send. Ok, but I sent $4k in Dec why isn’t that at least my ceiling? I know people that have their account for only a couple years and they send $10k or more per week. Why can they but I can’t? It’s frustrating that an algorithm runs the company, so basically the tail wags the dog.
Better then a Bank
I have no had PayPal for at least ten years and love it!!!! It keeps excellent records for you all your history and with whom. I’ve read some of the negative remarks and I have an extremely hard time believing many of them. Yes that they might of spend some time on the phone; well guess what nothing in this world happens at a snap of the finger. Yes even with banks and Comcast you can spend 2-3 hours on the bank; as long as your issue has been resolved. Anytime I have called PayPal for anything they have always resolved my issue. They have opened cases for me and have never taken a penny; they do NOT Charge for that so stop lying. Also if someone has sent you money and then called and filed a case against it and their bank, yes you have to deal with the person who did that and not PayPal. Just as any bank receives a fraudulent transaction and gives back the money so does PayPal. So why do you think if someone called in on you and said it is a fraudulent transaction you get to keep the money? Hence you have to deal with the person who owes you money. I completely understand people love to complain and make an elephant out of a mouse. However, any issue I have ever had was dealt with amazing customer service.
Love the app, hate the new design
This is a wonderful app. I never have any problems with it working, and it's so convenient to use. The only thing I don't like is the new design where when you open it up, instead of your balance being at the top, the latest notifications are at the top, and they're really large taking up a lot of room, and you have to open them to get rid of them, which is a hassle, even though you can see what they say without opening them. Then to get to your balance so you can tap it to do a money transfer, you have to scroll down past all that.
I used to be able up open up PayPal, immediately see how much money I had, and boom, transfer funds in two seconds. Now I gotta go through the hassle of scrolling through notifications that someone sent me funds, when I already knew that because I got the pop-up notification, and scan through the visual clutter to find my balance. It's a chore to have to go through and open each notification message to get rid of it so I can actually see my balance.
The new interface is cluttered and confusing. The balance doesn't stand out and is harder to pick out among all the other stuff, and that's the main thing people usually want to see first. Please change it back. This new design is horrible. Whoever's idea it was should be fired.
No longer a fan
I've had an account for a long time but never used it. I started a job at home where my employer only uses PayPal to pay. 1st check was great. There was a 24 HR waiting period. Got my money. Perfect. Then I tried to get cash at at Walmart. After an embarrassing time of 10 denials, no cash. People looking at me crazy. But my account showed I had money. So I ordered the card. Got that timely. Works great. But now my paychecks are being held for up to 21 days. Because Paypal feels like it. That's crap. My bank account has been overdrawn twice now. I get paid on Monday and don't see my money for 7-10 days. That's bull. I spoke with Customer Service and they were very quick to tell me that this was industry standard. I was just as quick to explain that EVERY bank has a provision for payroll. They told me too bad. I showed them the couple of times they paid within 24hrs. They said it was my employer. I explained no bank in the US held anybody 's check for a 7 day period. They explained they can choose to hold any check they want. And so its mine. I'm on day 7 of my final check being held with this crummy company. I'd rather deal with an organization that has enough integrity to pay people's payroll timely. Can't think of 1 PayPal employee that would be cool with their paycheck being held. Not 1. Especially twice in a row. I'm done. I will NEVER use them again. And my employer has changed how to pay us. Buyer BEWARE!! Hello CashApp!!
Needs safe guards put in place
I’ve been using PayPal for years an up until now I’ve had no problem at all with them until now, back in late February I purchased 2 sets of handbags from a group online, I’ve purchased from her before an had no problem with it whatsoever an couple of my friends have purchased from her as well an had no problems at all, but this time for what ever reason I have still not gotten my bags, they were purchased using PayPal an the money was sent to a business name, I’ve tried to find out how to get in touch with a live person from PayPal I’ve tried to call them several times using all the different voice prompts but it will direct you to go back on line an then it hangs up, I’ve tried 3 or 4 times to use their webpage to ask for help an put in a dispute on the transaction an it comes back an says that it is to a personal account even though it is a business name account I would have thought in this situation that we are all going through that PayPal would at least have someone that their customers could reach out to to ask questions an ask for help. It’s bad enough that we are all having a financial situation right now but with a company as big as PayPal I would think that they would be better than that it seams like all they care about is your money. I finally had to call my bank an put a dispute on it to get my money back.