Paying PayPal for eBay purchase

bwatt72 on 23/02/2025 - 13:55

Trying to get my head around PayPal and they used to be very sneaky in the past. But I have been successful using my fee free debit card to pay for purchases.
But i can’t remember if this was just to smaller companies etc
But when I selected my card as payment PayPal would say my card would charge me there rate and you would not know what this would be.

And it would show you what PayPal charge with there conversion fee.

Always using my card option I be way less maybe due to no fee card and bank charges less and i would always select the currency I am paying this being euro.

But it’s strange as it’s different to what I’m used to as when I select pay in euro it does say pay in euro charger will be by my card rate and it says what PayPal will charge in Aus with fee.

EUR xxx.xx
Your card issuer may charge foreign transaction fees

And

Aud x.xxx.xx
Current conversation rates blah blah obviously what PayPal will sting you for.

Unless I have to log in further it’s weird as it says pay with PayPal? And pay in the currency you choice.
I don’t even see my free fee card on this as an option even prior it says pay in euro etc

If I continue and check out with PayPal but I don’t know if it’s still PayPal taking another cut and by charging my card but will add it’s fee on it’s charge.

I am trying to pick the best and least cost for me and have always selected my debit card paid through PayPal and fees was good not the rip of one’s PayPal give you.
I can just use my fee free card and pay through PayPal by adding it but It should already be on there or i could just pay by debit card on ebay and exclude PayPal all together.
But i believe paying is another safety net if things went wrong.

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Comments

  • MS Paint on 23/02/2025 - 14:05
    +9

    I'm sort of wishing you just purchased (insert item here) from Australia.

    • DashCam AKA Rolts on 23/02/2025 - 16:58
      +3

      All these posts, just for an extension cord.

  • holdenmg on 23/02/2025 - 14:23
    +4

    I'm not sure of the question…

    But thanks for asking me along, I had a lot of fund playing.

  • Protractor on 23/02/2025 - 14:24

    Are you saying your Payapl nominated debit card attracts a fee on top ofthe ebay listing price, whenever used, or just on foreign ebay purchases? And that on those foreign purchase they hide the additional card fee under the exchange rate. If so, how about breaking down some numbers re the item value and the extra fee.

    ( not interest in additional GST, we all pay that)

  • surfingedge on 23/02/2025 - 14:32
    +2

    Can you add some screenshots so we know what you are talking about

    • bwatt72 on 23/02/2025 - 14:51
      -1

      You can’t add screen shots here

      • MS Paint on 23/02/2025 - 14:57
        +2

        If only ozbargain had this feature it would be awesome.

        • bwatt72 on 23/02/2025 - 14:58

          Yes found it now need figure how to add it

    • bwatt72 on 23/02/2025 - 15:07

      This is what I’m offeried when I go through PayPal to pay this eBay item, I know the PayPal option is always expensive with a PayPal conversion etc and have found bank card option a lot less. And I assume it’s still only bank that takes the other payment as it’s always close to xe.com.
      Or will PayPal sneak in a fee as your using there services as it’s never happened before.
      I just think this is confusing me being it’s a mix of overseas purchase a eBay item and PayPal payment.

      Or my other option is just go on eBay and put in my debit card and pay that way.

  • bwatt72 on 23/02/2025 - 14:50

    Purchased an item from from overseas eBay eu.

    PayPal not part of eBay now but can still pay with PayPal.

    I click on invoice from seller and I am going through checkout out which takes you to euro.

    I am thinking now when I’m on eBay check out I have two options well two that are possibly of interest I pay with PayPal or I add my debit card and pay with debit card.

    My debit card is fee free so is this best option?

    When I go on eBay and select PayPal I have two options pay in aud which shows conversion rate or it says pay with my euro and bank will charge fees or conversion.

    From experience bank has always been close to xe rate.
    I am assuming that using PayPal that it’s selected my preferred method my debit card and bank does the rest and that paypsl does not charge my bank x amount on fees.
    I think it’s a little different than it used to be that eBay and PayPal are not as one.

    Would it be best bait to just use my debit card through eBay and forget PayPal. As I’m not sure if the method I’m used to with using my debit card will just be that my debit card and bank or if PayPal sneaks a fee in there somehow,, but it is asking psy euro and bank fees apply or psy in aud and what PayPal charge

    • JimmyF on 23/02/2025 - 15:08

      I click on invoice from seller and I am going through checkout out which takes you to euro.

      PayPal like a lot of other sites, will give you two choices when paying.

      You can be charged in the currency of your purchase, so Euro in this case

      or they will offer to 'convert it to your local currency for you and charge you in AUD.

      Never let them do the conversion. Its always a bad rate.

      From there, you will be charged to your CC, and any Intl fees conversion charges they do, will then apply.

    • surfingedge on 23/02/2025 - 15:27

      I would just pay ebay directly.

      You have a choice to charge EUR 608.29 or AUD 1042.72 to your card.

      A fee-free mastercard being charged EUR 608.29 will currently convert it to AUD 999.91 (https://www.mastercard.com/global/en/personal/get-support/co…)

      A fee-free mastercard being charged EUR 608.29 will currently convert it to AUD 1002.65 (https://www.visa.com.au/support/consumer/travel-support/exch…)

      Obviously paying in euros would be better.

      If you go through Paypal, you should get a similar choice between EUR 608.29 and AUD 104X.XX (rate might be slightly different). Paypal should not add any extra fees, the fee is just built into the poor exchange rate if you choose AUD.

      However the last time I did something similar through paypal it did not make the choice very clear, and I almost missed it.

      (AUD 1042.72 is 4% more than the visa and mastercard exchange rate, so even if you didn't have a fee-free card, it would probably be better to pay the typical Aus bank forex fee of 3%. In fact, even if you choose AUD, some Aus banks still charge you 3% for AUD transactions processed overseas, so you might end up paying $1074.)

      • bwatt72 on 23/02/2025 - 15:44

        Sorry you lost me on the last part

  • Pelicannn on 23/02/2025 - 15:09

    Select the Euro rate. 9 times out of 10, the going Visa or Mastercard rate is always better than PayPal’s rate and selecting that will charge your card in Euros. If your card is also fee free then it should just be the standard Visa or Mastercard rate.

    Have purchased plenty from overseas. Even with the FX fees, it’s always better to not use PayPal’s AUD converted figure.

    • bwatt72 on 23/02/2025 - 15:48

      But PayPal and eBay are offering same really? Of paying in euro with my fee free card or paying in eu with eBay well the invoice and checkout payment is in euro.
      But if using PayPal don’t you get that extra security if goes to crap

  • foxmulder on 23/02/2025 - 15:20

    Provided your card support fee free international purchases, always choose the local currency, not AUD. If this is eBay, i thought eBay is pretty good protecting buyer, thus I don't need to choose PayPal. But if you insist on PayPal, there is currency you have to choose, even you set in your account to be the local currency, PayPal will always try to pay with AUD, change it first to the local currency, not AUD.

    • bwatt72 on 23/02/2025 - 15:40

      Sorry not sure what you mean yes card is fee free and have always paid things through this card through PayPal and select my card which is fee free.
      And I always pick the currency I’m paying this bring euro.

      Yes i could just add my fee free card and pay that way and my bank will take what they charge is this best option as i thought PayPal gives you extra protection?

      So your saying even though I posted that link and select my fee free card eBay still takes a cut or adds a fee as I don’t think it’s been the case before.

      Once you checkout with PayPal that’s it you can’t turn back and change your mind.
      Same goes for banks debit card eBay purchase I not know this until done.

      But PayPal is definitely a rip off on fees but you need to work it right but this mix of eu eBay and eu funds and PayPal vs direct with ebay I am trying to get the best option for me cost wise.
      I’m pretty sure if i selected PayPal euro as in my attachment where bank determines fees then nothing more is added ie PayPal costs or fees.
      But they can be sneaky

      • foxmulder on 23/02/2025 - 15:48
        +1

        I dislike how PayPal cannot fix this issue of paying with Euro as default as set in my account. Out of many transactions I did, I may did one mistake of not changing it due to distractions. This PayPal protection I think it's no longer relevant anymore in eBay.

        • MS Paint on 23/02/2025 - 15:52

          This PayPal protection I think it's no longer relevant anymore in eBay.

          I'm predicting the next forum post by OP will be based on this.

          • Protractor on 23/02/2025 - 16:07

            @MS Paint: The lines are extremely blurred now that ebay plus has muddied the waters. It is a scam that prtects sellers and as uual adds to ebay profits and power.While making it harder for genuine buyers. The free returns is a shit fest too.

        • bwatt72 on 23/02/2025 - 15:53

          My fee free card is set as preferred payment always so it should never change really but that pop up I attached shows I had two options.
          Obviously the right one being in euro with my fee free card.
          So there is no extra payment protection from PayPal if paying that way on eBay then see no point using it then?
          As just well just use my fee free card and let eBay do the the rest then

  • Protractor on 23/02/2025 - 16:05
    +1

    Flight 24 to The Republic of Verbose has been delayed . Weight issue

  • askbargain on 23/02/2025 - 16:14
    +2

    can we combine all these posts?

    • DashCam AKA Rolts on 23/02/2025 - 17:02

      O.P. wanted to buy an extension cord. Confusion ensued with requests for discount codes for German eBay, fretting about GST and duty, concern about PayPal's exchange rates and tomorrow …….

      • MS Paint on 23/02/2025 - 17:14
        +3

        Next month….

        How do I return an extension lead to Germany? I didn't realise the plugs were different.

      • Protractor on 23/02/2025 - 18:03

        Big family. Needs this cord. Thousands of watts to feed.

  • bwatt72 on 23/02/2025 - 16:34

    lol all done and paid, I left out PayPal what’s the point of no extra protection if any issues then eBay will have to handle it.
    That’s handy to know on Mastercard and visa rates as I always check with xe.com which is close.
    But I have been stung in the past with PayPal and did not want it happening here, as already paying gst which is a pain in itself but to be honest as I don’t buy much from eBay these days cause of this GST I had actually forgotten about it after I purchased the item, but still I’m ok about it just wish it had been a private sale

  • AustriaBargain on 23/02/2025 - 16:37

    eBay hasn't owned PayPal for a long time now. But they do take PayPal as a payment method still and rely on PayPal's buyer protection system.

    • bwatt72 on 23/02/2025 - 17:36

      To late now paid eBay not PayPal

      • AustriaBargain on 23/02/2025 - 17:49
        -1

        I didn't even know paying directly through eBay was even an option.

        • MS Paint on 23/02/2025 - 18:35
          +1

          Since March 2021

  • brendanm on 23/02/2025 - 16:54
    +1

    You need to practice being concise.

  • Wiadro on 23/02/2025 - 17:20

    D R A M A

  • randomusername2017 on 23/02/2025 - 18:11

    Just buy discounted eBay gc from the forum…should add another layer of complexity to the saga 🤔

    • bwatt72 on 23/02/2025 - 18:49

      Yes was tempted but rather be refunded than left with gift cards as don’t use eBay that much these days.

    • surfingedge on 23/02/2025 - 19:33

      Then they will be subject to ebay's 4% forex fee negating the gift card discount

      • randomusername2017 on 23/02/2025 - 19:46
        +3

        4% is a small price to pay for potentially another 10 forum topics.

  • bwatt72 on 23/02/2025 - 22:27

    Just love the comments I get lol

  • eccaz on 24/02/2025 - 00:48

    You have a received a tremendous number of responses for such a horribly written post. Well done.

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