Posted by SweetFeet on August 09, 2016 at 07:12:45 from (70.35.102.196):
In Reply to: paypal..... posted by 88-1175 on August 09, 2016 at 00:16:31:
I like using Paypal because (though it's not foolproof), it is more secure than just putting your credit card number out there on the internet.
I called and talked to them before I set up an account... you have to go to their website and find their "Contact Us" button/link. After clicking on it, you can see their phone number and they give a code you have to enter when you call (and you have to do it within 60 minutes or get a new code to use).
Here's the gist of the conversation from several years ago:
Paypal is more secure IF you link it to a bank account - so we did set up a new savings account at a different bank in a different town from our normal bank. We only keep about $30 in that account (so if someone manages to get into it and wipe it out - well, at least they won't get much).
The reason that we keep such a small amount in the account is because we prefer to pay using credit card. BUT REMEMBER that their default setting is to the bank account - so for each transaction, when paying you must manually click on "Change", then go select your credit card rather than the bank account. (At least I have not found a way to make the credit card be my default setting... which I WISH I could set it to be my default method of payment.)
You should also provide them a secondary email address - in case of issues.
And providing them a phone number in your profile also helps with security they said.
NEVER, NEVER click on any pop-up on your computer that looks like it is Paypal... that will be a "phishing" scheme trying to get your information.
NEVER, NEVER click on any link in any email from Paypal - they do NOT give you a link to update your password. They will email you and say that it's been a while since you updated your password... that you should go to their website, log into your account, and go to your profile to update your password (or to change or enter a new credit card, bank account or other info, etc.).
DO keep a list (or a print out) all of your purchases or other payments to compare to both your Paypal AND your credit card statement each month.
You can use Paypal at many store's shopping websites too. And if another person has a Paypal account, you can pay them via Paypal if they provide you their Paypal email... we paid a guy in another state that way for some tractor parts.
All-in-all, we've been using Paypal for a good number of years and we like it.
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