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Credit Card mandatory with PayPal
thibash
Member Posts: 506 Arc User
When I tried to give PWE money through PayPal, I got a message stating the seller wants me to connect a credit card with my account.
I don't have a credit card, because they're incredibly unsafe. I've also made purchases in the past through this PayPal account.
Why do I all of a sudden need a credit card? Don't you want my money?
I don't have a credit card, because they're incredibly unsafe. I've also made purchases in the past through this PayPal account.
Why do I all of a sudden need a credit card? Don't you want my money?
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And well... Whales have CC's.
On a sidenote: CC's are only as unsafe, as the user lacks carefulness.
Hence my reason not to use a credit card.
But on a more serious note, in my country, debit cards have all kinds of built in protections and anti-fraud protection. Credits cards on the other hand, give you the finger and charge you 20% commission on everything that was stolen from your account. Hence my reason not to use one for online transactions.
Personally, I don't use PayPal... Mainly because I havn't used a service where it was beneficial.
I would suggest using Steam, however, recent reports indicate a certain problem, that often ends up locking the steam account, when buying Zen for the C-Store in STO...
Well that's really not a problem with the Credit Card then, but the banks in question... I do see the logic behind your reasoning though.
Well anyway, just a thought.
So it seems that after 3 years of buying stuff from PWE, suddenly they don't trust me anymore...
Well... No...
While it's true they don't trust whoever is behind the screen, that does not mean they don't trust you.
They simply Want to be sure that whoever is pretending to be you IS you... Cause lets be honest: Anyone could be weaving your CC around without being you...
Just find it kinda rediculous that prior transactions or a 10-year old paypal account do not matter at all in this...
No... But you DO have a PayPal account, which is actually just the next generation CC, along with other such services.
We used to transfer cash to an account, that was then made accessable through the CC... Now... We transfer money that we have never really had in the first place from our account to PayPal or a similar service.
My understanding is that PWE has experienced a certain amount of fraud scenarios lately, which is why they implemented the verification in the first place.
Thing is: Money these days are digital... People using cash are either dinosaurs or paranoid (admit it... that's what you are :P ).
And while the digital money has decreased the amount of theft of physical money, a new generation of pickpockets have appeared... The digital ones.
The amount of people doing CC fraud isn't statistically higher than the amount of people who used to steal wallets, however there are more methods of prevention in the case of digital money.
Does it seem ridiculous? No more than when banks started using cameras and security officers... It's just more obvious now, because you have to deal with the security layer directly.
This.
I used my paypal account to buy zen twice this week (And it's linked to my debit card) with no problems
Ah well, I suppose I'll just stop throwing money at the game then :P.
Doesn't quite fix your issue with paypal, but at least you could be able to buy stuff.
That sounds like two different things there.
Is the seller (PWE) actually saying they require you to have a credit card attached to your PayPal account or is the seller (PWE) saying you need to have a Verified PayPal account...where a credit card would be one of the ways to verify the account?
If you are unwilling to Verify you are going to find many companies will stop accepting your Paypal account. This is not a new issue. You can do a simple Google search and see posts about this from many different people from many different companies going back years.
Credit cards are unsafe; unsafe for the vendors.
If someone makes an unauthorized transaction on your credit card, you can contest it, and the credit card company will give your money back every time. Even if you're an idiot who gives your credit card number and password away, you will still get your money back.
If any yahoo with a random number generator could just charge the card owner any time and get away with it, do you think the credit card industry would have survived this long?
The people who lose in credit card fraud are the businesses who take credit card transactions. When a cardholder contests a charge, he gets his money back and the vendor loses the money he earned.
You should educate yourself.
If you're over 18, get a credit card.
/rant
This is patently untrue. I have my bank account attached and it won't accept it.
And I agree with OP, CCs are unsafe. It claims you can get your bank if you contest, but at least in my country the conditions you have to fill to actually have that happen is ridiculous. So it's a 50/50 chance of it happening, if you're lucky. So no, not getting a CC. Ever.
Debit? Well if I can convince the bank not to mail it too me then... maybe.
Weird. Can I ask, are you American? Because I'm not. That might be the difference.
Let's keep this simple: your irrational fears are not the fault of Cryptic or PayPal.
But at least you feel smarter than the rest of us. Yay!
There is no age requirement to purchase and use these debit gift cards. They are only tied to a exiting bank account if YOU allow it... There is no opt out needed.. and it rather difficult to do it accidentally.
This should solve any issues the original poster has.
Personal information required to use a pre paid gift card is absolutly minimal.. As they are typically used for a one time only transaction they are an ideal way to safeguard you primary money supply as long as you chose to NOT tie them to an existing account. These are issued by financial institution. You gotta trust someone. As they only have limit funds on them, your risk exposure to fraudulent activities is minimalized.
Consider it.
And be sure from time to time to go in and remove CC/debit/prepaid debit card numbers or mark them no longer in use.
One of the more common restriction I see/hear of from paypal users is running smack up against limitions. The way around paypal issues is to simply not use paypal for mini transactions. My own experience with paypal is they are often more trouble then they are worth. I stopped using paypal service long ago. The restriction that paypal has in place are to protect Paypal and maximize Paypals profits. This is no different then any other like service such as a bank or S&L, but paypal operates internationally, and in some rather risky markets. Their terms of use reflect this. And its why you run into the restriction that you do on using your own damd money!
Use prepaid Visa's and the like.. They typically can be purchased in fixed amounts up to $200 USD.. and can be purchased remotely using international funds if the issuer is set up for it. One of the major gift card issuers is Chase Manhatten Bank...pretty reliable. There are several other. Its a very secure route for cash to net transactions, while reducing exposure to nautiness significantly.
Yeah you can buy prepaid credit cards over the counter in Walmart...
I don't live in the continental US, there is ONE walmart in the country, it's several hundred miles away, and I'm not sure they sell prepaid cards, in fact I've NEVER seen a prepaid over the counter visa card here. Not sure they are even legal in this country.
The OP has stated they do not live in the continental US, can every American poster please stop hitting them with "Yo dude, go to Walmart, mkay?"
Set a man on fire and he's warm for the rest of his life...</b></size></center>
I did an edit to my post which you quoted adressing just that specific point.. please read it again..
There are solutions! They might not be easy to implement for everyone.. but the OP could have gotten most of this figured out if he had just gone down to his local bank (and it doesn't have to be one he has an account at.. after providing service gets you customers) and had a sit down with the bank manager.. after all, this is what these folks do for a living.. and trust me, they love it when folks come to them with problems like this because they ARE easy to solve.. and it make them look good! Of course they may try to sell you something..so what.. the advice they can give can be adapted..
Why not use the paypal account to purchase a chase manhatten issued electronic Visa account...
Directly Via the net.. No actuall physical card (though, they will send you one in the mail) Once you have the account set up.. you just feed it nuff cash to cover your gaming transactions and maintain a positive balance. Be aware of exchange rates.. And also be aware that the service is being paid for.. Read the fine print..it is not the same as an EULA.. unllike a EULA a card use agreement is a legal and binding contract on all parties and not subectt to change without JOINT agreement of all parties
You've eliminated paypal as a problem, you now have a US Mainland account in US funds that you can use for transactions with US based entities.. problem solved permanatly.
load of crock if ever there was a sentence worth!
you can be as careful as you like and only use safety assured means, however your card details are only as safe as the security systems in place on both the bank side and the side your giving your card details to. however over the net is more risky then in person, because hackers can intercept those encrypted packets of information containing all those details no matter how well you protected yourself, once the encryption is broken its game over. there isnt a computer system around that is hacker proof.
several large companies got TRIBBLE not long ago and some of which contained personal and other types of information that could of been sold on in bulk over these hacker forums. this includes credit card details, account numbers, sort codes and pin numbers. it maybe a bit paranoid, but i would suggest you reconsider your thought in your security on these sites no matter what they state.
this is why i trust nothing on the internet these days.
Been around since Dec 2010 on STO and bought LTS in Apr 2013 for STO.
A few things to keep in mind - over the net is just as risky as in person. Look at the Target hack - all those card numbers stolen from IN PERSON transactions. Additionally, how often do you hand over your cc to some high school kid as a restaurant, and they disappear with it for several minutes... There is risk everywhere.
You're mixing half truths with the truth - proper encryption will not be broken in the near future - even if a hacker intercepts encrypted traffic, there is not much that can be done with it. This is why tools, such as sslstrip, exist to remove encryption out of the equation - but this can be noticed by the user on their end. Now, SSL is broken, yes, but as I said, as long as proper encryption is in place (currently TLS 1.2), you can be reasonably ensured a hacker wont intercept the traffic (as long as you see the green https in the URL). Now, if your computer has been compromised, or the companies system is compromised, encryption won't help you there - but no need to make claims about breaking encryption - attackers go after the weakest link, and encryption is definitely not the weak link in almost any situation (based on my experience as a penetration tester)
Another thing to keep in mind - many of those data breaches had nothing to do with internet transactions. Target lost customer card details from in person transactions. Anthem lost patient information (think HIPAA) due to a network compromise. In fact, none of the recent data breaches targeted the end users, they all targeted the large corporations... meaning there's nothing you can really do to protect yourself, other than go off the grid, use cash only, no doctors, etc... otherwise, you will have to rely on the protections the corporations put in place to protect your data.
TLDR: Not trusting the internet is narrow minded - the real source of the problem are the companies that you interact with, and how they protect your data.
I worked for credit card companies; I know what I'm talking about. Encryption and security are there to protect businesses and the credit card companies. Your consumer information is safe and irrelevant. In order to win a charge contest (as in when you contest an unauthorized charge made to your card), the business owner must prove three things:
1. That the card and cardholder itself was physically present at the vendor at the time of purchase. This is proved by an electronic signature that only comes from swiping the card through the point of sale device slot.
2. That the bank authorized that there were sufficient funds available for the purchase and that the cardholder's account is in good standing (nowadays this happens electronically via the point of sale device.)
3. That the cardholder whose name is on the card authorized the transaction. This is validated by the cardholder's signature on the proof of purchase document (receipt).
If any of these criteria are not met, then the cardholder will win any challenge of a purchase.
It should already be evident even to the slower reader that online businesses are immediately vulnerable to Internet transactions, as they only meet one of the three requirements to secure the purchase (#2 can be verified remotely).
Online businesses like Amazon and Perfect World take these risks willingly because there's so much money to be made by taking your business online, but that risk is on them, not you. If someone gets your credit card info and makes a fraudulent charge, your challenge will win every time because the vendor cannot produce your signature or the physical presence of the card at the point of sale. When you win the challenge, Visa, MasterCard, AMEX or whomever takes the money from the vendor and returns your money to you. Only the vendor loses, but that's the risk they knowingly take on when they choose to accept your business online.
Please stop spreading unfounded paranoia about credit cards. I'm not a fan of credit cards because it's too easy to spend and get yourself into a debt hole you can't get out of. A lot of people get their lives in **** with poor credit practices. But credit card security is NOT a practical risk for consumers. That's just a lie.
I buy them from my local convenience store (SPAR and others if you're British). They are over the counter vouchers that come in receipt form with a code on them just the same as Pay as You Go phone topup vouchers.
I then go to Arc, redeem code, boom Zen, paid for with cash, no credit/debit card.
I don't know how available if at all Paysafe is in other countries however.
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