Are you talking about sending or accepting payments?
We do use paypal (I've actually used them since they emerged on the scene) and I agree there is a lot lacking. They were pretty fantastic in the beginning because they put out a service that no one else had. They haven't increased that service much though. My husband is working with an account manager now to shore up some holes with them. Their entry level service is really not fun. They keep rolling out products that "bigger and better" but that are not supported making them worse than just using paypal entry level service. If you're not able to use their higher level services with an account manager, my recommendation is to just stick with their basic services. Most of their special products are not special at all.
We have had several different payment gateways over time. We use ones that integrate with our website and shopping cart. There are a billion different ways to set up an independent payment gateway. You could do a search online and find a ton of different ones with a varying range of fees. Your bank may even be able to set up something for you. But again, unless you're running through a lot of payments, all the fees and headache may not be worth it.
If you're talking about sending payments then the onus is on the seller to set up something for you to use.
In what happened to you because you didn't go to paypal for all the help is why it ended up that way. Once paypal starts something in motion like a reversal it doesn't stop. It's a little messy for sure. I try to only do simple things with them.
ok. in your case for a small individual transaction I would get a square account. https://squareup.com/?gclid=CO_0muzK1bgCFcmf4AodfDAAWw
It has a little gateway that you can use an app on your phone but you can punch in CC numbers and it's just easy. The fees are easy and low too. Its far more straight forward than Paypal.
Its all based on CC type in or swipe. You can access from a phone tablet or PC. You cannot send payments by email.
If you want to send to an email address you need Paypal or Amazon Payments. Kickstarter uses Amazon payments but not too many people do. They require an account with them to access. Honestly, paypal has cornered the market on this type of payment. They've got a lot of flaws but they are the only option for a lot of people.
You may want to read the rules about their payment stuff and how it works. They aren't super helpful but they are manageable if you work within their guidelines. Even if their guidelines are flawed and don't do exactly what we want them to do, we need to work within them if we want their processing to work.
In your case that outlined above, you needed to cancel the paypal payment and not stop payment through your CC company. If you had done it that way, there would have been less issue. You wouldn't have been able to reinstate a payment but even the CC processors don't like to monkey with payments too much. They all like it to be cut and dry. On or off. It's all about trying to stop fraud.
Not that you were frauding anyone, just that everyone has buckled down the processing these days because there is a lot of fraud. I get my business card stolen about 1-2 times per year and we deal with about 400+ payments per month and several times per month we're dealing with people who have had stolen cards.
My best advice to you (if you want it) is to read through all the rules at both paypal and Amazon payments to see which one might fit you best. I think square is the most buckled down and easiest to deal with but you can't send email payments. Also, maybe sign up for ALL of them (free to have an account) and poke around to see what works for you.
One of the interesting things about square is that I have it on my phone as a business and a consumer. There are stores that I can go into (Starbucks is one and we are another), open my app, and authorize to pay with my phone. I don't have to pull out a card, everything is right there. So I'm saying that you might be able to have several different payment options that you have and use the one that is most available to based on the situation you're in.
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