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A refund with 0 balance on Paypal account?

  • 28-08-2010 2:17pm
    #1
    Teh Noob
    Closed Accounts Posts: 27 ✭


    Hi all,
    I will probably have to do a refund in near future and I no longer have that money in my Paypal account.
    I thought the refund will be funded out of credit card that's linked, am I right? If not, is there any way to top up the account, or is another sale my only way out of this one?
    Thanks


Comments

  • #2
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    it should come from the linked credit card.


  • #3
    allthedoyles
    Registered Users, Registered Users 2 Posts: 6,893 ✭✭✭allthedoyles


    It will come from your linked credit card - make sure you have the funds available .

    If you want to top-up your paypal account , then you can accept funds from say , a friend who has a paypal account .

    They could top-up your account and you could pay them the amount in cash .


  • #4
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    Random wrote: »
    it should come from the linked credit card.
    No it wont, you cant send funds from your credit card through paypal.


  • #5
    ttm
    Closed Accounts Posts: 2,045 ✭✭✭ttm


    Max Power1 wrote: »
    No it wont, you cant send funds from your credit card through paypal.

    But he is not sending "funds" he is authorising a refund so will be giving PayPal permission to access his linked creadit card account, which is just the same a paying for an item on eBay by PayPal.

    May not be an eBay transactions but still the same principle giving a refund would be the same as paying by PayPal in the the person who owns the PayPal account is giving PayPal permission to carry out the transaction for them.

    If I paid money into your PayPal account from my PayPal account, which always has a zero balance, the money would come from my linked credit card account.


  • #6
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    ttm wrote: »
    But he is not sending "funds" he is authorising a refund so will be giving PayPal permission to access his linked creadit card account, which is just the same a paying for an item on eBay by PayPal.

    May not be an eBay transactions but still the same principle giving a refund would be the same as paying by PayPal in the the person who owns the PayPal account is giving PayPal permission to carry out the transaction for them.

    If I paid money into your PayPal account from my PayPal account, which always has a zero balance, the money would come from my linked credit card account.
    I tried this recently (within the last 3 weeks) and was unable, with a linked credit card and a 0 balance. Unless the policy has changed in the last 3 weeks I really dont think its possible.


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  • #7
    ttm
    Closed Accounts Posts: 2,045 ✭✭✭ttm


    Max Power1 wrote: »
    I tried this recently (within the last 3 weeks) and was unable, with a linked credit card and a 0 balance. Unless the policy has changed in the last 3 weeks I really dont think its possible.

    So how do you pay for anything on eBay :confused:


  • #8
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    You fund a purchase with a linked card, that's how that works, but a refund, I'm not so sure about. I've seen it mentioned before that a refund can only come from a cash balance, unless Paypal force the refund on you, in which case they'll credit your Paypal account, and take it at your next credit card funded purchase, or from any incoming funds.

    I don't think the user can initiate a refund of payment without having the money in the account. Easiest thing to do is try it and see.


  • #9
    RasTa
    Closed Accounts Posts: 15,116 ✭✭✭✭RasTa


    You can't refund from a CC, only bank account.


  • #10
    Teh Noob
    Closed Accounts Posts: 27 ✭Teh Noob


    Thanks for replies. I managed to do a quick sale for the amount in question :D, just in case.
    I would have never allowed this to happen if I knew about it before.


  • #11
    ttm
    Closed Accounts Posts: 2,045 ✭✭✭ttm


    RasTa wrote: »
    You can't refund from a CC, only bank account.

    So what exactly is the difference between me saying I'm going to pay you x amount from my PayPal account (funded by CC) and doing a refund from the same account? On the face of it they seem to be the same thing a refund is just a payment that is named refund?


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  • #12
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    ttm wrote: »
    So how do you pay for anything on eBay :confused:
    Purchasing (as opposed to "send funds" option) is funded by credit card
    RasTa wrote: »
    You can't refund from a CC, only bank account.
    This - +1


  • #13
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    ttm wrote: »
    So what exactly is the difference between me saying I'm going to pay you x amount from my PayPal account (funded by CC) and doing a refund from the same account? On the face of it they seem to be the same thing a refund is just a payment that is named refund?
    A refund, is similar to the send funds option, and cannot be funded by CC. To refund through paypal you must have the funds in your PP account.


  • #14
    ttm
    Closed Accounts Posts: 2,045 ✭✭✭ttm


    Max Power1 wrote: »
    A refund, is similar to the send funds option, and cannot be funded by CC. To refund through paypal you must have the funds in your PP account.

    Sorry, I'm not making my point very well. I now realise there is a difference but I wanted to get to the bottom of why there was a difference? Obviously PayPal wouldn't do it that way if there wasn't a good reason.

    In effect PayPal can allow me to authorise money to be taken from my account to pay for an eBay purchase but can't authorise money to be taken from my account for a refund when funded by a credit card.

    Perhaps in the case of a refund the transaction doesn't pay for a physical (or intangible;)) item and is considered a cash advance and subject to interest from when its taken and maybe PayPal can't/don't do cash advances or they can't pass on interest?

    Was hoping RasTa could explain :D


  • #15
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    ttm wrote: »
    Sorry, I'm not making my point very well. I now realise there is a difference but I wanted to get to the bottom of why there was a difference? Obviously PayPal wouldn't do it that way if there wasn't a good reason.

    In effect PayPal can allow me to authorise money to be taken from my account to pay for an eBay purchase but can't authorise money to be taken from my account for a refund when funded by a credit card.

    Perhaps in the case of a refund the transaction doesn't pay for a physical (or intangible;)) item and is considered a cash advance and subject to interest from when its taken and maybe PayPal can't/don't do cash advances or they can't pass on interest?

    Was hoping RasTa could explain :D

    RasTa might have the same opinion as me. ;) (if you meant what I presume you meant by requesting that specific user's opinion)

    When you are sending a refund, PP only allow you to use paypal funds or bank account funds.

    I dont know why this is, perhaps its to do with the fact that there is no paypal fees charged if you select "issue refund" option, whereas there is if you send a refund as a seperate payment


  • #16
    ttm
    Closed Accounts Posts: 2,045 ✭✭✭ttm


    Max Power1 wrote: »
    RasTa might have the same opinion as me. ;) (if you meant what I presume you meant by requesting that specific user's opinion)

    That would be as in past threads he has mentioned he works for PayPal.


  • #17
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    ttm wrote: »
    That would be as in past threads he has mentioned he works for PayPal.
    i know she does.

    Edited to clarify: Although I may work for paypal now, I would ask that all posts made by myself be taken in the context that they are posted - i.e. as a private user, and I am in no way a representative of company viewpoint or attitude (especially given my prior negative viewpoint towards them before I started being employed there :) )


  • #18
    RasTa
    Closed Accounts Posts: 15,116 ✭✭✭✭RasTa


    Apparently it's because CC companies don't want people issuing refunds as they see it as a form of cash advancing.


  • #19
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    RasTa wrote: »
    Apparently it's because CC companies don't want people issuing refunds as they see it as a form of cash advancing.
    Thank you.

    That was the point I was trying to express earlier (send funds Vs purchasing an item), but expressed more clearly!


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