payment methods,

Submitted: Wednesday, Mar 22, 2006 at 17:51
ThreadID: 32039 Views:1712 Replies:13 FollowUps:17
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Hi everyone ,
OT but was wondering how people pay for stuff bought from the internet, especially overseas stuff. Is credit card the only way? Looking at gettinga lokka from the US but don't want to use a credit card.
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Reply By: Qlddisco - Wednesday, Mar 22, 2006 at 18:01

Wednesday, Mar 22, 2006 at 18:01
Checkout >>> www.paypal.com.au !!! hope this helps in someway !!
AnswerID: 162273

Follow Up By: conman - Wednesday, Mar 22, 2006 at 18:18

Wednesday, Mar 22, 2006 at 18:18
thanks. That was way too easy. Could be dangerous for my account :-(
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Follow Up By: Member - Andrew W (VIC) - Wednesday, Mar 22, 2006 at 19:17

Wednesday, Mar 22, 2006 at 19:17
Be very wary of PayPal - see post 27474
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Follow Up By: revhead307 - Wednesday, Mar 22, 2006 at 19:54

Wednesday, Mar 22, 2006 at 19:54
A good post about Paypal that was, I had the same problem...

Sold something on ebay before christmas, buyer hadnt paid by the time we left so let them know we'd be away for 10 days and would post then.

Get back and had received the money...so posted the item...
The buyer then pushed the non receipt of item button...and i went through hell...no customer support...no flexibility other than refund the buyer...

and they had the goods..and I ended up having put funds into my account (as it had been limited) or i couldnt pay for other goods or receive any more money...

It works well when it works....but if it doesnt..your on your own.

Sorry to Semi Hi-Jack the thread

Rev

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Follow Up By: Member - Julie P (VIC) - Thursday, Mar 23, 2006 at 18:50

Thursday, Mar 23, 2006 at 18:50
Another way to pay - not over the internet is through Western Union Money order - available via some newsagents, post offices etc - you pay your money - it is sent immediately via the internet - but safe as houses - as long as you are sure you are going to get the goods of course.
You can also receive money this way - check it out at most post offices.
There is a fee - but safer than credit card details sometimes. worth investigating anyway.

jules
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Reply By: revhead307 - Wednesday, Mar 22, 2006 at 18:01

Wednesday, Mar 22, 2006 at 18:01
ok...can anyone else see the irony of answering a guy named conman?

by the way my credit card is 4534 XXXX XXXX 3407 lol

I have used credit card successfully for international transactions for online payments. Make sure sight is secure (gold padlock in bottom right of browser) and a reputable site.

I often use paypal or direct transfer for ebay...including oversears sellers...never had a drama.

Rev

AnswerID: 162274

Follow Up By: conman - Wednesday, Mar 22, 2006 at 18:04

Wednesday, Mar 22, 2006 at 18:04
it's a reverse nickname. I couldn't be further from that description.
Plus all the other good screennames were taken, willem, roachie etc etc.....
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Follow Up By: Member - Brian (Gold Coast) - Wednesday, Mar 22, 2006 at 18:44

Wednesday, Mar 22, 2006 at 18:44
"Plus all the other good screennames were taken, willem, roachie etc etc....."

Brian...... ;-)
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Reply By: Member - Crazie (VIC) - Wednesday, Mar 22, 2006 at 18:02

Wednesday, Mar 22, 2006 at 18:02
Hi Conman

Great nic name for the subject... I use direct deposit where possible.

Ads
AnswerID: 162275

Reply By: Member - Roachie (SA) - Wednesday, Mar 22, 2006 at 18:06

Wednesday, Mar 22, 2006 at 18:06
Depends on the seller. If they offer a "secure payment" system, as far as I know it is a safe way of paying by card. I'm extremely reluctant to just quote my card number in an email etc. I understand there are possibly scammers who have developed a method of looking through emails etc to identify any 16 digit number that has been typed into same.....however, I have no first hand knowldge of this; just a rumour.

The only other safe way (to protect your card details) is to avoid using the card and rely on the old fashioned Bank Draft/International Cheque etc, which then needs to be posted and has a lengthy clearance time frame.
AnswerID: 162277

Follow Up By: conman - Wednesday, Mar 22, 2006 at 18:08

Wednesday, Mar 22, 2006 at 18:08
but i want it now!
Might just do what my mum used to do. Cash wrapped in foil, in an envelope. What could go wrong with that?
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Reply By: Craigww2 - Wednesday, Mar 22, 2006 at 18:30

Wednesday, Mar 22, 2006 at 18:30
I have a second credit card with a very low limit ($500) that I only use for this purpose. I also use this card for my paypal etc. You can also set up a card to have a purchasing limit eg only $500/month. If you require to do a bigger purchase you notify the bank and stipulate the purchase for a one off.
AnswerID: 162283

Follow Up By: V8troopie - Wednesday, Mar 22, 2006 at 18:51

Wednesday, Mar 22, 2006 at 18:51
I use the same idea than Craigww2 but with a 1500 limit. Even then the bank was reluctant to give me such a low limit, perhaps its my millionaire looks (I wish) that made them think it is an odd request.
I did not know about that purchasing limit per month, will have to look into it sometime.
Those who have driven in the US of A will know that hire car company's take a blank docket of your credit card and make you sign it before the car is handed over. Their security to deter the crooks I assume. It worked fine, the correct amount was inserted after the hiring time was over but I was sure glad I had a low limit on my card then.
Klaus
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Reply By: Member - Brian (Gold Coast) - Wednesday, Mar 22, 2006 at 18:44

Wednesday, Mar 22, 2006 at 18:44
conman,
If you must use a credit card, use one with a low limit... so the most you could lose it a grand or two......
AnswerID: 162286

Reply By: Member - Darren T (VIC) - Wednesday, Mar 22, 2006 at 19:16

Wednesday, Mar 22, 2006 at 19:16
My mum has just herself something called a "Debit Credit Card". Which means the only credit she has is the money she actually puts into the account. Works pretty much the same as a normal keycard savings account but has the ability to be used as a normal credit card over the net etc. She only puts enough into the account to pay for what she wants, that way if someone does get hold of her details, there is no credit to abuse. Not many finacial instituions have them, I think she got hers from St. George.

Cheers,
Darren.
AnswerID: 162296

Follow Up By: conman - Wednesday, Mar 22, 2006 at 19:19

Wednesday, Mar 22, 2006 at 19:19
Good Idea. I was a microsecond away from asking that today at St george.
thanks for that. will look into it. better tahn paypal because you don't have to tarnsfer electronically.
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FollowupID: 416987

Follow Up By: 944runner - Thursday, Mar 23, 2006 at 10:00

Thursday, Mar 23, 2006 at 10:00
Be very careful with these cards. My wife use to work in the credit freud department at a big bank. Let me put it this way - someone gets your credit card number and makes a large transacation - you can dispute it and get your money back without actually having to pay anything and you still have money in your account to use for day to day living.
With a Debit Card they are taking "your" money, if you dispute the transaction then you have to wait for the investigation to be consluded before you get "your" money back and you are left with nothing for day to day expenses. She saw this alot and there is nothing that can be done.
be vary CAREFUL and thin it through before getting a Debit Card.
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Follow Up By: Member - Darren T (VIC) - Thursday, Mar 23, 2006 at 15:42

Thursday, Mar 23, 2006 at 15:42
"With a Debit Card they are taking "your" money,"

thats right, but if there is never any money in the account they can`t take anything from it. My mums Debit card is a totally seperate account from her normal savings and day to day living accounts (she uses a completly different bank for this). First she saves in her normal savings account and when she needs to use credit card, she then transfers the amount she needs across. That way there is very little money in the credit account at any one time, and when there is any substantial amount, it is only for a very short period.
Only reason she got it is she can book her own flights etc on the net where the only way to pay for it is by credit card.

I would be very wary about linking any accounts to a credit account, or using my credit card for day to day living. In my opinion, the more you use a credit card, he more chance there is of someone finding out your details. And when I do need to use it, I`d prefer to make a cash advance from an ATM before using card swipes or sending details over the phone or faxing etc.
Call me paranoid, but I have never had any problems with missing money out of any of my accounts :) .

Cheers.
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Reply By: Mad Dog (Australia) - Wednesday, Mar 22, 2006 at 19:30

Wednesday, Mar 22, 2006 at 19:30
I always use my credit card.

People of the forum, abuse me if I'm wrong but I've always been under the impression that if someone goes on a shopping spree with your card details you are not liable for the damage ?
AnswerID: 162302

Follow Up By: Leroy - Wednesday, Mar 22, 2006 at 19:48

Wednesday, Mar 22, 2006 at 19:48
I had my credit card nicked some years ago and $3300 was spent in a very short time in $300-400 transactions. Fortunately I didn't have to pay it back.

Leroy
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Follow Up By: 944runner - Thursday, Mar 23, 2006 at 10:03

Thursday, Mar 23, 2006 at 10:03
you would be suprised at how much banks loose through this type of thing. Most transactions get refunded as there is no sig to prove who it was doing the transaction.
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Follow Up By: Member - Darren T (VIC) - Friday, Mar 31, 2006 at 13:34

Friday, Mar 31, 2006 at 13:34
Whats to stop people from spending up on thier credit card and then going home and reporting the card stolen?

I`ve never had to go through this sort of thing and don`t really know how it all works, but I thought you would have to prove somehow that it wasn`t the card holder using the card before the bank would right it off.

I saw something on TV a few weeks ago about this (referring to American Express cards I think) where unemployed people in a small country town were recieving cards with applications through the mail, knowing full well that they could not (and would not) pay it off.
They were spending their limit on the cards, then reporting the card had been stolen or used without authorisation, and got off without paying it back.
BUT it also meant that business owners were not recieving money for the "purchased" items, leaving them out of pocket and going broke. Now most of them wont accept credit cards or request identification when using them.

For the sake of genuine credit card users and retailers, I hope this sort of thing doesn`t catch on or we might find that less and less people are willing to accept them.
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Reply By: Peter 2 - Wednesday, Mar 22, 2006 at 19:56

Wednesday, Mar 22, 2006 at 19:56
I too have a card with low limit, been using paypal with zero probs both buying and selling for a few years now, try and use direct deposit for aussie transactions usually to avoid paypal fees.
Peter
1996 Oka Motorhome

Member
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AnswerID: 162312

Follow Up By: Member - Blue (VIC) - Wednesday, Mar 22, 2006 at 21:19

Wednesday, Mar 22, 2006 at 21:19
I too have used a low limit credit card for international purchases... Anything over a certain(defined by me) $$ value has to be authorised by me, any purchase over the card limit(I place the card in credit when required) also has to be authorised by me...
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Reply By: Member - Paul P (Bris) - Wednesday, Mar 22, 2006 at 22:52

Wednesday, Mar 22, 2006 at 22:52
Greetings

Credit Card is safe. Just watch your statements and jump on anything out of line. I have used a CC when purchasing OS goods for many years with no problem. I also have a Paypal account. ( Use secure sites and no credit card number via email)

Watch your bank charges for currency conversion ( like all bank charges a total rip off) and watch the freight charges. US post is fine via airmail takes about 10 days. Surface mail takes weeks/months. Watch the air express costs.

Some items may attract import duty/GST so their may be little or no saving.

Alternatives are direct funds transfer ( again watch bank charges ) or Bank Draft (cheque) in relevant currency. With this the merchant may incurr a check cashing fee and will want you to pay that as well plus there will be a postal/clearance delay along with more bank charges to get the Bank Draft.

Regards

Paul
AnswerID: 162377

Follow Up By: Member - Barry C (NT) - Thursday, Mar 23, 2006 at 00:44

Thursday, Mar 23, 2006 at 00:44
Paul

Try Western Union telegraphic transfer. I think avail at many newsagents now or get bank to transfer. If I recall the WU was about 50% of the bank cost to send.

Barry
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Reply By: Member - Barry C (NT) - Thursday, Mar 23, 2006 at 00:46

Thursday, Mar 23, 2006 at 00:46
Stuffed it

should be to Conman not Paul still getting used to this site.

Try Western Union telegraphic transfer. I think avail at many newsagents now or get bank to transfer. If I recall the WU was about 50% of the bank cost to send.

Barry
AnswerID: 162394

Reply By: Member - Troll 81 (QLD) - Thursday, Mar 23, 2006 at 02:17

Thursday, Mar 23, 2006 at 02:17
Conman

I live in the US at the moment and I might be able to help you out. Shoot me a email if you are interested
AnswerID: 162402

Follow Up By: conman - Thursday, Mar 23, 2006 at 09:35

Thursday, Mar 23, 2006 at 09:35
Thanks , will keep you in mind. extermely nice of you.
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Reply By: Qlddisco - Wednesday, Mar 29, 2006 at 05:45

Wednesday, Mar 29, 2006 at 05:45
if ya dont like paypal check out Anz,s knew visa debit card !!!! www.anz.com.au not a credit card !!!
AnswerID: 163566

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