Targeted Pay after Delivery (up to 21 Days) @ PayPal

1781

Not sure if this is new but I just received this via email.

With Pay After Delivery, you can receive your purchase before paying for it 21 days later from your bank account. No interest, no fees.

If something goes wrong, you can still be eligible for a full refund, including shipping costs, with Buyer Protection.

At checkout, you can choose Pay After Delivery as your way to pay. It will show as a payment method on eligible purchases.

T&Cs

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Comments

  • +16 votes

    Who can use Pay After Delivery?
    Right now, Pay After Delivery is only available to select customers. We’ll let you know if you become eligible for Pay After Delivery.

  • +27 votes

    Have been using this for a couple of years, damn handy for pricing errors!

    Worth noting that you can't combine it with eBay codes

    • +3 votes

      damn handy for pricing errors!
      How ?

      • +45 votes

        Because no money comes out of your account.

        If the company deems it to be a pricing error, and issues you a refund, then it just cancels the "pay after delivery", and this happens inside the 21 day period.

        So you can take a punt without any money leaving your account

      • +1 vote

        I assume because it means you do not have to wait for your money to be refunded in the likely event that the order gets cancelled.

    •  

      And what's the limit you have if you don't mind me asking

    •  

      Isnt it the same if you use a credit card? It is pretty rare for the refund to drag past payment due date.
      If you are really tight on cash you can always do a chargeback for late refunds which relief your liability to pay at the due date.

  • +1 vote

    This is good to know!

  • +29 votes

    so this is for people that really cant afford stuff?

    •  

      I have no idea. If you have no money for the item, you won't have money 21 days later as well. Quite the contrary with stuff like afterpay that you do have the money but not able/ not willing to make full payment at that time.

      • +6 votes

        thats where they get you. All these "pay later" are made for people who cant afford. Then when they cant pay they are charged with 20% interest per year.

        •  

          Yeap, I remember afterpay reported their profit of few millions just from people paying late payment fees. But I still use afterpay even when I can afford stuff coz it's rather convenient to have stuff getting charged matching my pay cycle lol.

        • +1 vote

          My wife and I use Afterpay and have never missed a payment. We don't have credit cards so this comes in handy if some clothes are needed. We can pay upfront if we wanted but it's just easier to pay over time.

        • +1 vote

          Isn't this just another form of a 'credit card' then?

      •  

        But you might have the money in 21 days

        • +2 votes

          That is true but the way PayPal is implementing this is rather tough making you think you might have the money in 21 days but usually those people don't if you cannot even fork that amount of right now.

      • +1 vote

        A lot of people get paid fortnightly, man. I might just want to hold onto the last $50 I have and save the bill for when I can afford it.

    • +34 votes

      If people didn't buy stuff they couldn't afford, to impress people they don't like, the economy would come to a grinding halt.

      • +6 votes

        thats why the economy would go bust with me, I only buy things for my want/need and not to impress others. And obviously things I can afford, never loan/credit card.

        • +6 votes

          Same here, but not the last part.

          I pay for bare essentials and bills with credit card on a points-earning no annual fee credit card, and always pay in full at the end of interest free days.

          • +1 vote

            @kadaj: Yes. There is all the points earning you can get. And if youre smart you make money with points. But they do all this hoping one day you won't be able to pay or forget to pay. Then they make their sweet cash. If youre organized you'll just win.

        •  

          You are a great example…You should go into money management business.

      • +2 votes

        We need to restructure the economy away from this tbh.

        • +2 votes

          I also don’t buy if i dont have exactly amount of cash ready to payback the credit card on the next day after the purchase, the credit card i use only to get qantas / flybuys point LOL

        •  

          But economy is about spending? Isn't that why interest rates go down during recession? To incentivate spending and therefore bring the economy back up? There is a very good video explaining.
          See below. Worth 30 mins of your time.

          https://youtu.be/PHe0bXAIuk0

          • +2 votes

            @Bruno28: I completely understand that, don't worry. I'm talking about for the good of the planet and to prioritise people, we need to move away from good spending = good economy = good country.

  • +15 votes

    be warned you have to pay via bank account and cannot be funded via credit card, you then loose your ability to do a chargeback as a final attempt for goods not received or as described.

    • +1 vote

      I don't know, and I haven't checked T&Cs; but wouldn't a chargeback on a Paypal transaction land you in hot water with Paypal, as the payment still goes through PP first?

      I've charged back Ticketmaster $82 when they stuffed up and charged me but never sent tickets, and no record of my purchase existed on their system or my email, and it resulted in my account AND pending tickets to another (much more expensive, $350 x 2) show being voided.

      I learned the hard way that chargebacks are dangerous.

      Other people have lost entire PSN accounts and all their game purchases via chargeback, also.

      Both companies have it in their T&Cs that a chargeback voids your account. I'd assume Paypal would too.

      • +1 vote

        Could you clarify what happened?

        I've chargebacked a few items via Amex with no issue on Paypal or eBay's end. In most cases, I rather not stuff around with Paypal or the seller and go directly through my credit card.

        • +2 votes

          Paypal might be fine then.

          Not sure how to describe it better.

          Ticketmaster took money and didn't provide goods, email support said no transaction existed, I sent them a screenshot of my bank statement, they washed their hands and told me to ring my bank as the transaction could be fraudulent (wasn't because I was the one who attempted to make it), I rang bank, bank sent me chargeback application, I filled it out, 4 days later bank gave me money back, 3 days after that; I got an email from Ticketmaster saying my account had been cancelled as I broke T&Cs, and I couldn't log in anymore. I then found out 6 months later that my tickets for another event were voided because they declined my entry at the door, which was crazy because they show was sold out and I had 2 $350 seats. I contacted Ticketmaster the next day and they said chargebacks result in account suspension and any ticket tied to that account being voided, and that it's in their T&Cs.

    • +1 vote

      Yeah I’m not into Paypal having access to my bank account at all.

  • +2 votes

    Is this a sneaky credit trap of sorts?

    After 21 days do you go straight on to 20%+ interest if not paid out fully, or repossession, or?

    •  

      Doesn't mention anything about that and I couldn't see anything in the expanded user agreement. Transcript below

      The buyer authorises PayPal to submit the debit to the buyer's primary bank account for the amount of the transaction, and resubmit it again if the initial debit is rejected or insufficient. Please note your financial institution may charge dishonour or other fees in connection with the payment. If there are insufficient available funds in the buyer's primary bank account, the buyer authorises PayPal to fund the remaining amount of the transaction from any of the following sources: the buyer's PayPal account balance, credit or debit card. For each payment using PAD, the buyer authorises PayPal to debit the primary bank account for the full amount of the payment 21 days after the transaction date, or sooner in accordance with the buyer's instructions, or later as described in clause 8 below. PayPal will email a reminder to the buyer before the scheduled debit.

      I'm assuming it'll force you into overdraw

      • +3 votes

        Direct debits always put my account in overdraw even though this isn't an option on my account

        •  

          That's good to know. I always put it on the card so never experienced it.

        • +1 vote

          I think whether your account will be overdrawn depends on if your bank allows the direct debit transaction to go through. Might be considered as a courtesy service to customers.

          •  

            @truetypezk: Westpac allows it to go through and if you make sure you are not in minus by the end of the day (literally) it is no problem.
            If you can't or forget about it they charge you 9$ fee plus interest (at least that's my experience).

    • +3 votes

      your paypal account goes into negative and if you dont fix up within a month they start the debt collection process. if over 150$ can affect your credit file and put a default on it.

      • +1 vote

        Can confirm had this happen to me in the past. Debt collectors do contact you if the negative balance is not paid

  •  

    Ok I’m assuming you can buy any item with paying straight up and have 21 days to pay it off? And no codes for eBay can be used which is the biggest bumber..

    • +1 vote

      The full amount comes off your bank account at the end of the 21 day period. You can choose to pay the amount at any time before this from within Paypal. Caveat being that PayPal has to be linked to a bank account and you cannot use Ebay codes when paying using this option.

  • +3 votes

    3 week Afterpay! I have been using it for years and like others mentioned:
    - It is handy for cancellations
    - Price Errors
    - Or purchasing wipers from Uniwiper!

    •  

      I use Zip Money must buy over 1 k pay on time very good terms like 3 mths interest free only $6 a mth when not fully paid off .

      • +2 votes

        Thats incorrect profar. Only ZipPay has $6 a month fees. With Zip Money if you don't pay after 3 months you get charged a percentage of interest which is 19.9%

  • +10 votes

    Is this a deal or forums?

  • +1 vote

    Worth noting that you can't combine it with eBay codes

    @ ing useless then . Agree waste of space on live page .

    Maybe only Egift cards on % discounts deals only item useful with if works .

  •  

    This is interesting cause I want to buy a new TV & sound system but am not sure how much to put on my debit card.

    This will let me buy it then transfer the right money to my pay pal account

  •  

    Taobao.com (alibaba) has been using similar mechanism since day 1. They’ll charge it and hold the fund in Alipay’s trust account and only release the funds after customer confirmation on receipt. That’s how they blew away all dodgy sellers and kicked eBay out. Very good move.

  •  

    So you get your item before paying anything and have 21 days to pay correct? Is there a price limit restriction? Wonder if theres a loop hole for using any codes..

  • +3 votes

    Been around for years.

  •  

    This will hurt Afterpay, more upstream solution and costs merchants less. Given 80% of Afterpay's transactions are on a debit card - users should be indifferent as to whether it comes from a debit card or their bank account.

    • +1 vote

      Not sure how it would hurt Afterpay seeing as it's been around much longer. Many simply don't use it or know about it.

    • +1 vote

      Lol

      Afterpay lets you split the cost into easy repayments

      This is still a full payment, just due later. 4 million customers love Afterpay as it helps with budgeting

  • +1 vote

    Definitely not new, been using it for at least 3-4 years, maybe more. I'm sure I read that they were canning it in the states so might not be around here much longer either.

  • +2 votes

    So is this a deal or a public service announcement meant for the forums?

  •  

    How can you tell if your paypal account is eligible for Pay after Delivery?

    • +3 votes

      I just spoke with Paypal as the option disappeared from my paypal when I deleted a few old cards and the lady said you need the following:

      1 - Bank account (has to be confirmed on the paypal account)
      2 - A card of some kind that also has to be confirmed via the paypal website
      3 - Good spending/repayment history.

      Apparently if that doesn't work then give them a buzz as they can just activate it for you. She also said that not every merchant will want that so it may not appear on all transactions… even on Ebay…

      Hope the lady was accurate in her advice.

      Hope that helps.

    •  

      It's an option when you go to pay for things with paypal - and paypal keep encouraging you to use it as it costs them less than paying credit card fees.

  •  

    Guess this comes out worse than a credit card?

  •  

    So anyone know if it works on Egift cards ?

  •  

    Why would you use this when you are more protected if using a credit card + PayPal?
    I'd rather be more protected than delay what I'll eventually need to pay anyway. In the case of pricing error you always get refunded anyway or you can open a dispute/charge back, plus how often is there a pricing error…

  •  

    According to the terms, the entire amount of the transaction will be funded from your linked bank account, even if you have money in your PayPal account or a linked credit card.

  •  

    Interesting that this deal came up just as eBay has been down for everyone, everywhere.
    First time I've ever seen an eBay outage. Gonna be a lot of complaints

    •  

      Doubt the outage was from this as I purchased something 3 days ago from ebay and had this option.

  •  

    I have lost confidence in PayPal dispute resolution.
    They don't listen and assess cases properly as they used to.
    In addition to that, staff on the call centre were rude and undermine my attempt to bring the case against unauthorised charge.
    I then had to resolve it through the 28 Degrees Mastercard, who listened, properly assessed and refunded the disputed amount.
    Since then I have avoided using PayPal where I could.

  •  

    Which items in eBay are this applicable?

    I've tested a few items and cannot find this option.

    According to PayPal it's merchant dependent.

  •  

    Does anyone know if the merchant gets paid straight away?

    If its like afterpay then they'd charge the merchant a 2 - 3% fee

    I'd assume it would have to be large merchants only atm that are willing to cover the extra cost

    •  

      Merchant gets the money asap. Comes out of PayPal's coffers
      No charge to the merchant
      I've had it available to every seller I've paid, small and big

  •  

    Does it cost the merchant any extra than the usual 2.6% + 30c? If not then this poops all over afterpay and zippay.

  •  

    You can see if you are eligible and activate this by going into settings then payments.

    Make sure you have a bank account attached to your paypal account

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