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 E-Cheque's 
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Post E-Cheque's
IS there something going on at paypal ?

sunday night i sold ten items, by monday morning everyone had paid..

BUT 4 PAYMENTS where e-cheque !!

so 40% of buyers paying by echeque, and now having to wait 3/4 if there lucky before there item can even be dispached.

and the worst thing is that they have all made payments in the past that have gone streaght through.. this is the first time its gone as echeque.


is it something to do with my account ?.. There account?..

or just paypal ? does any one know the answer ?

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Mon Mar 05, 2007 7:31 am
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I had 27 payments last night 3 of which were e-cheque, anything under a fiver i'll just send straight away and hope it clears..

My mate was telling me that he pays by e-cheque all the time, something to do with having a bank account that can have direct debits and standing orders but he can't make any payments over the counter in any shops or online. :?

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Mon Mar 05, 2007 9:00 am
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yeah i get quite a few e-cheques they are a pain in the butt as they often take 5/7 working days to clear.

i think you get them when they have no ££££££££ or not enough in there paypal account to cover the cost of the item and then if they have a bank card registered with paypal and not a credit card then it takes a while for the funds to be transered into there paypal account or it might take so long because there card is not verified.

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Mon Mar 05, 2007 9:10 am
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all of my echequr payers have responded to my email informing them that i can not dispach untill it clears.. and they all say the same.. what is it.

looks like its an othe message template im going to have to keep...

they have all used paypal before and always had instant payment method used.. so they must all be skint after christmas :? ,,

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Mon Mar 05, 2007 9:18 am
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Not sure if this is right .... if not maybe someone can correct me but....

I was told the same as icecoolalan....

that basically a echeque happens when someone has no money in their paypal account and therefore has to pay through their registered card , which then has to clear from the bank and then paypal , which is why it takes so long :? .......

I have had a few problems with echeques in the past , some people have even complained that its something to do with my account and that I should be the one to sort my paypal :roll:
The one I have waiting atm for £80 is happy to wait :)

But sometimes when I try to exsplain using the above reason I was given, they still insist the problem is me and not them :roll:

Best thing to do is tell them the truth , dont send the item till its cleared , and if they are not happy then what can they do ? , if they withdraw the payment , you just say unpaid and resell ... I presume :?:

Quote:
My mate was telling me that he pays by e-cheque all the time, something to do with having a bank account that can have direct debits and standing orders

I have this type of bank account and have never had a problem paying through paypal

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Mon Mar 05, 2007 10:20 am
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5-7 days?? 10 to 14 is closer to the mark in my experience!!!

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Mon Mar 05, 2007 12:06 pm
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10-14 is my past experience.. with one clearing in december.. for items bought for halloween :roll: (alltho i did trust him and send them in time :wink: )

the 4 i have now.. one is not for an ebay item (well not through ebay :wink: ) and it says 5-10 days on it..

the rest are thrugh ebay and they say 3-4 days..

i have just copy and pasted the passage from paypal.. and sent to each person.. and offerd to refund if they would like to send a postal order instead ..

and i have made a point of letting them know it can take upto 2 weeks to clear, so none of them can blame me.

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Mon Mar 05, 2007 1:50 pm
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MARK wrote:
10-14 is my past experience.. with one clearing in december.. for items bought for halloween :roll: (alltho i did trust him and send them in time :wink: )

the 4 i have now.. one is not for an ebay item (well not through ebay :wink: ) and it says 5-10 days on it..

the rest are thrugh ebay and they say 3-4 days..

i have just copy and pasted the passage from paypal.. and sent to each person.. and offerd to refund if they would like to send a postal order instead :twisted: ..

and i have made a point of letting them know it can take upto 3 weeks to clear, so none of them can blame me. 8)


This is what gets me about Paypal; it is supposed to be so convenient, and then it causes so much hassle!

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Mon Mar 05, 2007 4:01 pm
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yeah i must agree it does normally take 10 days to clear, heres one below ive got on the go from one of my other ebay accounts.

i recieved the payment on 22nd feb and the last bit makes me laff...... well mr paypal its the 5th of march today and it still aint cleared, wouldnt be so bad if you didnt rip me of £3.17 in your very very very very high fees !

Total Amount:
£87.49 GBP
Fee Amount:
-£3.17 GBP
Net Amount:
£84.32 GBP

Date:
22 Feb. 2007
Time:
15:16:45 GMT
Status:
Uncleared(Expected Clearing Date: 5 Mar. 2007)

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Mon Mar 05, 2007 5:35 pm
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i can only send them.

bad head to say the least.


Mon Mar 05, 2007 8:37 pm
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ok, so i emailed paypal to ask them why echeques get proseset instead of instant payment, and i explained that i dont mind.. but my customers dont understand why it has happened.. and i also asked what i should tell them.

i emailed them on sunday.. here is the answer i have just got..


Quote:
Dear Mark Crook,

First of all, my apologies for the delay that you have experienced in
hearing back from PayPal Customer Support. This delay is the result of
a
high volume of incoming email inquiries lately. We are working as
quickly as we can to address all of your concerns in a timely manner
and
to get our volumes under control.

I understand you are enquiring about the uncleared payments in your
PayPal Account. I sincerely apologise for the confusion that this may
have caused you. Please let me explain how the PayPal System works
first. For you to be able to send an "Instant transfer" payment you
must have a back up funding source for example a credit/debit card. In
the absence of a back up funding source it will automatically default
to
an echeque payment which will take seven to nine working days for the
transaction to be cleared. It might be possible that there back up
funding source has expired on the system.

Once again my name is Jon and should you need further information
regarding this matter or any other query, please do not hesitate to
give
us a ring or shoot us an email. We will be answering your query as
soon
as possible.

Copyright © 1999-2006 PayPal. All rights reserved. PayPal (Europe)
Ltd.
is authorised and regulated by the Financial Services Authority in the
United Kingdom as an electronic money institution. PayPal FSA Register
Number: 226056

Sincerely,
Jon
PayPal European Services
PayPal, an eBay Company



so it seems as usual every one on the forum was right.. probably the registered card they have has expired.. or something likee that.

now this email has answered the ain question.. so i dont know why they will be contaction me again.. but if they do i will post it here.

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Wed Mar 07, 2007 5:01 pm
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thanks for the info..... but answer me this ????

when you get an email from payapl to say you have sold an item and they are paying via a e-cheque it says on the email (i quote) - This eCheque payment will remain 'Uncleared' until the funds have cleared from the sender's account, which usually takes FOUR working days.

mmmmm four working days dont seem to bad :-o

yet on the email you got mark it says - an echeque payment which will take SEVEN to NINE working days for the
transaction to be cleared.

seven to nine days :!: :!: :!: :!: wish they make there flipping minds up.

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Wed Mar 07, 2007 5:59 pm
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YEP...

I HAVE 3 PAYMENTS THAT SAY 3-4 DAYS ON AND ONE THAT SAYS 7-9, AND ANOTHER THAT SAYS 10-14


SO IM ASUMING HE JUST LOOKED AT THE FIRST ONE ! :roll:


VERY ORGANISED THE ARE (NOT)

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