PayPal - Send, Shop, Manage 4+

I literally joined when you first launched. Back then I used you for my eBay auctions but I’ve kept you & will keep you as long as you’re around. You are the leader in sending out protected payments (before anyone did it, PayPal protected the user’s bank info) & w how there is so much stolen identity & fraud online, you’ve always been a lifesaver! I’ve had my identity stolen 3 years in a row - info that was taken from Bank of America (either by an employee or hack) because it was the ONLY place I had given all the identifiable info in one place prior to the theft. It was a nightmare to get corrected & I still have snags once in awhile. But w payment services like yours (now we have ApplePay, AmazonPay & even InstagramPay), I don’t have to worry about my info being stolen!

You also make paying others a breeze as many of my charities use you. I always get confirmation emails within seconds of the payment going through. I have never had a single issue w your service except once when I couldn’t remove an old bank account from my profile. But that corrected itself after a few months.

So if I could, I’d give you 10 stars! PayPal is awesome! (Now if your Venmo was as great, but sadly it’s not. Lots of snafus & poor customer service who have no authority to do much of anything.)

like every other app in the world, paypal has its ups & downs. for pros, it’s easy to set up. it’s never hard to navigate. it’s useful with making quick payments. it’s helpful to those in need of a direct deposit account. it’s a well organized app to use for money purposes. paypal is also quick with sending replacement cards for those like me who lose stuff like that REALLY easily. the transactions are also not difficult to track down if there is ever a confusion about one whether it leads to a dispute claim or not. just gotta be careful who you share paypal account information with if chosen to do so. for cons: i have heard about multiple paypal accounts getting hacked. as for me, it’s happened to me before but only due to my own fault of sharing someone in my family’s card info with another person, so i can not say much as far as that subject goes. once your a paypal subscriber, if you have email notifications on i assure you they are endless, so tread carefully. i’m not sure how deleting, or managing for that matter, accounts works since i have mine in case i ever need to use it to pay a friend who solely uses the app to receive payments some day (although i haven’t used mine in so long i probably could delete it now). anyways, that’s all the pros & cons i can think of. just like all the other apps used for money purposes (venmo, cash app etc.) paypal has the good & the bad.

Update: it took me several attempts, but PayPal did finally investigate my case and found that the merchant was indeed at fault. PayPal issued me a full refund and I have begun using their services again. PayPal is a little more convenient to use at the point of purchase than credit cards, as it usually requires only a couple of clicks to make a purchase. If they will defend my rights as a consumer as well as credit card companies do, then I no longer have a problem using the app. This is not so much a case of buyer beware anymore. Just buyer, be aware…

My original complaint: I made a purchase using PayPal and I never received the merchandise. PayPal allowed the vendor to charge my card immediately, yet three months later I still had not received my items. PayPal did not help me get a refund. I had to open a time consuming dispute and PayPal ruled in favor of the merchant! The merchant provided a tracking number from China that said the package was delivered to the US (no more specifics were provided!) PayPal ruled in favor of the bogus merchant without any further investigating. Also, navigating the app and Website to complain involved a lengthy case of hide and seek. I recommend making purchases with your credit card instead of PayPal. Your credit card will offer you much better protection in a case of fraud.