The Web is a big place. You can buy anything from t-shirts to books to car insurance to genealogy newsletters to automobiles just by entering your credit card number. The more you buy on the Internet with a normal credit card, the more your credit card number is being spread around. I don't like sending my credit card number all over the place, especially to companies I never heard of before. PayPal has a better way.
PayPal conceals your credit card numbers so the merchants or other users cannot access your accounts. PayPal allows a quicker, smoother way to pay for your transactions. Use your Visa, Master Card, Discover or American Express credit card safely, and be insured for all of your purchases. Or, use your bank account and never reveal any of your sensitive banking information to merchants.
PayPal is the leading online checkout site and is trusted globally. You'll notice millions of sellers accept PayPal as their preferred form of payment. You'll be protected if the item you pay for is never shipped, and in some instances, you'll be covered under the PayPal Protection Policy if the item is significantly not as described.
I have been using PayPal since 2000, and I know that it works. I have learned to trust PayPal. In fact, I trust PayPal more than most other credit card services.
When I first started the paid Plus Edition of this newsletter, I used a different credit card company to provide the merchant account. (A merchant account is the method by which a merchant – that's me – collects the money. Everyone who accepts credit card payments must obtain a merchant account from some company in that business.) The first company I used for my merchant account occasionally lost orders. A new subscriber would sign up, and his or her credit card would be charged. However, the company that provided the merchant account would occasionally not tell me that I had a new subscriber. That's poor business.
After a year or so, I switched and obtained my merchant account from PayPal. PayPal's fees are lower and, so far, the company has never lost an order or had any other problems in notifying me or paying me. My subscribers also have reported zero problems with their payments since I started using PayPal to handle the payments. I have kept PayPal because of that: it just works.
NOTE: You do not need a PayPal account to subscribe to this newsletter. You may use a normal credit card or pay by a direct withdrawal from your checking account if you wish. Of course, if you do have a PayPal account, you can also use that. Whatever method you select, PayPal is the company that collects the funds and then pays me.
For instance, when you subscribe to Eastman's Online Genealogy Newsletter Plus Edition, PayPal tells me I have a new subscriber, then gives me the name and email address of that subscriber, and also gives me the money, minus PayPal's commission for handling the transaction. Your email address is automatically added to the list of subscribers by a piece of software that runs 24 hours a day, even if I am not available at the time. I never see the credit card number. That's higher security than normal credit card payments. I don't have to worry about all the security headaches involved with storing a buyer's credit card number. Since the number is never revealed to me, there is no capability for me to store the number. I like that instant security.
I also like the idea that my purchases from other companies on the web are done without my credit card number being involved. The merchant never sees my credit card number, so security is greatly improved when compared to normal online purchases with a credit card. I much prefer to give my credit card number to only one company (PayPal) and then let PayPal handle the transaction with any other vendors without revealing my credit card number. It’s simpler, cleaner, and safer.
Don't fall for Phishing Emails!
Some people seem to have an abnormal fear of scams with PayPal. That's probably because they have received email messages claiming to have been sent from PayPal. I know that I frequently receive such messages that appear to have been sent by PayPal or by a bank or even by a credit union. An investigation quickly shows that the attempted scam is never caused by a problem at PayPal or a bank or a credit union. These messages are referred to as “phishing.” Sadly, phishing is very common.
“Phishing” is when scammers try to lure you into logging into your PayPal account through an email sent to you directly, most often with "PayPal" being somewhere in the sender's email address or name. The message will often lead you to believe that your account has been compromised, that you need to enter your log in details as a security precaution, or something similar. The page will even have the official PayPal logo and will look very official. However, clicking on a link logs you into the scammer's web site, not to PayPal or the bank's site.
Simply do not respond to these emails and NEVER log into your PayPal account by clicking on a link in an email message! You can either delete these emails or report them to PayPal. The best way to avoid a phishing scam is to not respond to any PayPal email. Instead, simply log into your own account directly by typing Paypal dot com into your browser if you have any doubts!
Of course, phishing attempts do not always appear to come from PayPal. I frequently receive similar email messages claiming to be from a bank or a credit union or even from the Internal Revenue Service, all asking me to sign on to some web site in order to "update" my account. All of these are bogus, of course. PayPal never asks for that information nor does any bank or credit union. The Internal Revenue Service doesn't even know your email address so they cannot send you email messages.
Since PayPal is the largest payment processor on the Web, it is the object of more scam attempts than most other companies. However, similar messages are sent by imposters claiming to be banks. With a little bit of knowledge, you can avoid being caught by these scams.
Another thing I like about PayPal is the insurance. VISA, MasterCard, American Express, and Discover all offer insurance against online fraud. If anyone does charge your credit card improperly, you are fully insured and will get your money back if you file a claim. To be sure, you will suffer some inconvenience, but you will never lose a penny. Charges made with PayPal enjoy those same protections as that from the credit card companies.
You can read more about PayPal's security if you start at https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=security/online_security_overview
I make most of my online purchases with PayPal whenever that is an option. I prefer to use PayPal instead of a credit card because of the extra security. I don't want merchants to see my credit card number. I travel a lot and even pay for airline tickets with PayPal now that several airlines and online travel services offer that option. I once bought a used car with PayPal. Over the years, I have spent thousands of dollars in online transactions with PayPal and have never had a single problem. I will continue to use PayPal as long as there are no problems.
Of course, the most dangerous method to pay for anything is to send cash through the mail. The second most dangerous method is to send a check through the mail. Thousands of checks get stolen from the postal service every day and usually are cashed. Most checking accounts are not insured against theft of checks sent in the mail, although there are a few exceptions. If the check is cashed, you lose the money. To be safe, pay online with PayPal or a credit card where everything is insured.
Again, you do not need a PayPal account to subscribe to this newsletter. However, I do offer this option.
I plan to keep using PayPal as long as it continues to work so well for me. If you would like to learn more about PayPal or to open an account, go to http://www.paypal.com