Paypal Question - payment for goods/services with Credit Card - HotUKDeals
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Paypal Question - payment for goods/services with Credit Card

meandog101 Avatar
6y, 8m agoPosted 6 years, 8 months ago
Just got a question that I hope someone can answer for me here ...
I want to buy a laptop from my girlfriend - she doesn't need one any more. I want to make a payment to here via Paypal to her Paypal account, but using my credit card.

If I pay her and call it 'Goods' or 'Services', will the amount be debited from my credit card as a 'cash' advance or classed as a purchase (like a store/website purchase etc) - obviously, I want to avoid paying a higher interest on my CC for cash transactions...

Any ideas?
Thanks....
Other Links From Paypal:
meandog101 Avatar
6y, 8m agoPosted 6 years, 8 months ago
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#1
Why use paypal? Can you not just pay her cash or do a bank transfer?
#2
stevebl
Why use paypal? Can you not just pay her cash or do a bank transfer?


No, I don't have enough cash to pay here - have to rely on good old plastic for this one.
#3
I'd do paypal gift, avoiding the fees your incur!

If your card is linked to your paypal, it will come off as a transaction, as if you bought something in a shop!

:)
#4
meandog101
No, I don't have enough cash to pay here - have to rely on good old plastic for this one.


My guess is that it will be classed as a purchase but you will still have to pay paypal fees but you would still pay fees if you paid by paypal gift which would probably be classed as cash so then may make that way of paying more expensive
#5
He cant avoid paypal fees as paypal gift is only free if the bank account is linked but he is using his credit card not his bank account as not enough funds
1 Like #6
stevebl
My guess is that it will be classed as a purchase but you will still have to pay paypal fees but you would still pay fees if you paid by paypal gift which would probably be classed as cash so then may make that way of paying more expensive


I'm pretty sure the only fee he'll have to pay is the debit/credit fee paypal charge, which is less then a quid!
1 Like #7
richx45
I'm pretty sure the only fee he'll have to pay is the debit/credit fee paypal charge, which is less then a quid!


The fees for paypal purchase and gift are both 3.4% + 20p. However with paypal purchase probably won't pay credit card fees like with gift which would be cash transaction and credit card fees are high for that

https://www.paypal.com/uk/cgi-bin/webscr?cmd=_display-fees-outside
#8
As far as i'm aware you will have to pay the 3.4%+20p fee.
#10
Any Paypal fees are one thing - I accepted that there may/may not be fees for using their services. Just trying to make sure really that when the transaction appears on my CC account, whether it will appear as a cash advance (high interest etc) or a normal purchase of goods transaction. I think it seems that a Paypal Purchase makes most sense really.

Massive thanks/rep to all those answers....:thumbsup:
#11
If you send as Paypal gift i i'm sure their fee is all you pay.:thumbsup:
#12
Let us know what happens meandog so we all know for the future :thumbsup:

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