paypal v's paymate

[dreamcatcher]

My understanding is that as a buyer and seller you have some insurance or protection and the fees cover this. So if you don't receive the item you paid for you can claim a refund. If you send money by "friends and family" you wont get any refund if your item goes walkabout. The fees lower the risks for buyers at least.

[Bigfellani5]

Buyer protection is only available via eBay sales. This is also the case with seller protection. Seller protection is rubbish and when you try to use it paypal weasel their way out of it. I have a whole file of seller protection claims I have lodged with paypal.... Not to mention fraud cases I was supposed to be protected on that paypal tried to avoid their obligations on. Last count I have lodged 22 complaints to the banking ombudsman about paypal stealing my money and have had 21 victories ( one still pending). When eBay tried to force the use of paypal a few years ago the accc in their ruling gave paypal a roasting about how unsafe they were. Banks are angels compared to paypal.

[ausjack]

gee there's a lot of warnings about paypal and the like and they wonder why people don't like to use them, all this talk scares me to much to even try it and the stress would be too much
I refuse to use it and haven't had a problem except for the people that refuse to do direct deposit
I have 100% pos feedback as a buyer only and some comments are pretty good so I normally don't have any problems and sometimes because I direct deposit they will give me a gift so I think that's pretty cool