Serious question here.People use credit cards everywhere. eBay and other marketplaces, Shopify stores, standalone stores, etc. There are at least half a dozen reputable processors that let you securely pay an invoice via credit card.Why does everybody demand PayPal and apps like Venmo and CashApp? Do you not have cards? Are stuck in the 90s and afraid to use them on the interwebs? What's behind this?I'd like sell off some stuff at reasonable prices. But it seems like my options are to charge high prices to pay high eBay fees or charge high prices to cover high table fees at a comic con. I'd really just rather only pass along the 3% card fee (or not). Seriously, help me out here!
Paypal is easy to dispute and favors buyers, its really no wonder people want to use it. I don't blame people here for not trusting other anons.
>>11772087but I AM in debt. Not from JUST from toys, but I have been using it to buy toys. I'lll end this by saying I signed up for debt relief which I hope wont bite me in the ass
>>11772087What are you even trying to ask or say? You're combining multiple different unrelated things. Most platforms are using Paypal to accept all major credit cards. Why use a different processor that is more limited? Do you really think people aren't using credit or debit cards on all these places like Mercari, Ebay, Shopify, etc?And why bring up selling on Ebay vs in person at a convention? Those are totally different. You can reach people worldwide when using Ebay or other online store fronts. But only your local community when selling in person. Obviously having a worldwide reach is the trade off for having more fees to pay. What are you even trying to suggest???
>>11772087Why won't you just make a Paypal/Venmo/CashApp account and broaden your potential buyers? Most people have their debit and credit cards attached to their Paypal account. Sounds like you're the one stuck in the past.
>>11772095It's still only one question.WhyWon'tYouUseACard?The rest is just context. Everybody cries about prices. Given a choice between a processor-hosted invoice with a credit card form and a 30%+ premium through eBay (more than likely also a credit card), clearly the former is more cost effective. Yet, the more expensive option is chosen.
>>11772097Because a different special app for every special person is infinite apps with their fingers in my bank account and more places to leak it in data breaches.Conversely, why would _you_ limit _yourself_ by refusing to use the single most ubiquitous payment method short of literal cash?
>>11772091That occurred to me too. Part of the reason I don't like the eBay/Amazon. They will override a signed pickup if the buyer says "lol idunno never arrived gibs munny bak nao." I have alot of expensive stuff that I'd love to sell off but the risk of theft under those "rules" is just too high.
>>11772095>ebay>high fees because worldwideNot really. With insane shipping outside of the US, those people aren't really relevant. Not in the 90s, not now. European and Asian sellers can say the same about us in the US. So there's still an informal limit.Then comes the visibility manipulation. eBay charges a percentage on shipping, so it's in their interest to show your items to people farther away from you. That's when they're not hiding listings to "encourage you" to pay additional fees for promoted listings or bold titles or whatever else. Or slanting the deck in favor of a bigger seller or established brand. It's really not a matter of "put up the best stuff at the best prices and it'll sell" like it was a long time ago.But to break the single track minds out there, I did find in-person to be more effective. One high fixed fee on as many sales as I could make in real time vs a high fixed percentage on each of as many sales as the platform will let me make. I have literally sold, and profited, more in a weekend than all year on eBay. It's just that those sales are on very few specific days. I don't feel like chasing the dragon for a couple scattered sales over the other 350.
>>11772506>Because a different special app for every special person is infinite apps with their fingers in my bank account and more places to leak it in data breaches.Banks get hacked all the time. Your data, like pretty much everyone else's, has likely already been leaked. And like for 99.9% of people, it amounts to nothing. I genuinely don't even understand the point of this thread. You are limiting yourself to one specific method of payment and getting upset because you're having a harder time selling by offering buyers fewer options. You realize on Ebay, buyers are already paying you through the payment processor of their choice regardless of whether you have a Paypal, Venmo, CashApp, etc. account or not, right?>Conversely, why would _you_ limit _yourself_ by refusing to use the single most ubiquitous payment method short of literal cash?I don't. I pay stores by card all the time. The times I've dealt with sellers off of an online marketplace like from the BST threads or MFC, they've always requested payment through Paypal.
>>11772087If i'm importing shit my bank or CC company will usually block a transaction until I manually call up and authorize it. Paypal skips that headache.
>>11772087>I'd like sell off some stuff at reasonable prices. But it seems like my options are to charge high prices to pay high eBay fees or charge high prices to cover high table fees at a comic con. I'd really just rather only pass along the 3% card fee (or not). Seriously, help me out here!There are people here claiming to have sold (maybe the still are today) hundred and even thousands on EB. These people may be be paying for sponsored listing, may have established themselves with enough people that buyers now come to them, or those and some other combinations of possibilities, but I don't remember them bitching about high fees.I sell very little and have sold very little but when I do the math on my most recent sale, last December, it wasn't much more than 3%.If you aren't paying their stupid sponsored listing and other premium crap, the fees are not that much more than the card fee or fairly close, save for their markup on their 'discounted shipping labels.' If you use Pirate Shipping or simply pay retail shipping yourself, you don't have these fees.There are people selling on B/S/T and reddit and elsewhere that either are making their buyers eat or hiding any fees, including PayPal, in their selling price, or are otherwise eating it themselves as a cost of doing business.Sounds like you're just whiny to whine?
>>11772572NTA and agree he's shooting himself in the foot by limiting himself, but Ebay's fees are 13.6% for most categories nowadays even without paying for anything extra. The fees are definitely high. Most of us just factor it into the total price to absorb it.
>>11772087I use my credit card as often as I can. I get monetary rewards for using it, usually works out to be about $100 a year. Not terrible imo. I do pay it off several times throughout the month. I'm not a fan of having a balance higher than a few hundred dollars on it at any given time so I pay it off fairly often. To be fair I held off on getting one until I was basically forced to when I was 30 and wanted to buy a house and I believe usury is a sin and Jewish scam, but here we are. They wouldn't let me without a credit score. Paying it off regularly did skyrocket my credit score to the 800+ territory, which is really good apparently.
>>11772582Huh. You are right.I just did the math on my last sale which was before the holidays but I got paid in December. They took 14+% although I charged eBay label pricing and used Pirate so that cuts if down to 7% which is why I probably thought it wasn't that high./B/S/T feels like a shithole alternative, though.
>>11772572You're wrong. eBay's fee is not 3%. It's 16% of the item plus shipping plus tax. When you subtract out the shipping and tax, because they're passthroughs, your _effective_ percentage is much higher.> whining just to whineI used to wonder about the crybabies here up in arms over the 11 whole cents TRU charged over Walmart. Knowing you're this bad at math explains alot.
>>11772558> credit cards are limiting> with hundreds of issuers and processors, used all over world online and in person>but random money transfer app totally isn't I don't even.
>>11772582Technically, 13.6 plus 40c fixed. And example I found online said that's an effective 14.4 rate on a sale of $50.I don't know where he is that nobody's complaining. Sellers complain about fees on every platform. Buyers complain about prices, of which fees are a factor, everywhere. There's a direct link between fees and prices that some people just will not see for some reason.It's fucking baffling that people wouldn't take the easiest route with the widest acceptance, which is clearly standard credit cards.
>>11772777>Technically, 13.6 plus 40c fixed. And example I found online said that's an effective 14.4 rate on a sale of $50.But, again, that's before you subtract out the psssthroughs. If that $50 sale was a $30 item with $20 shipping, the $7.20 fee is actually 24%. It's crazy how much slips away because everybody's taking bigger bites for doing less. You're basically working for _them_ at this point.
Ironically, Mercari's take was pretty funny because it pushed all of the fees onto buyers. Buyers, of course, revolted, because why should they pay those inflated prices? When they're hidden, like with eBay, they swallow them or blame greedy sellers. Absolutely baffling why Mercari painted a target on its own back unless it was to make a point.
>>11772767Ah, yes. The "random" money transfer app Paypal with 439 million users that was used on Ebay since 2002. All right, man, then do whatever the hell you want. Just don't come here bitching to us about being the odd man out. Multiple people have explained it to you and you understand the preference buyers have or you wouldn't have made this thread in the first place.
>>11772974>Used on eBay They remain in bed with each other even after the spin-off, so someone bitching about one and not the other is seeing shit with rose tints.
>>11772777>It's fucking baffling that people wouldn't take the easiest route with the widest acceptance, which is clearly standard credit cards.The "easiest route" for small-time randos online selling person-to-person is for them to continue using paypal as they have for years, if not decades.I don't even know why eBay is in the discussion here, since you can use credit cards there anyway. And if you absolutely, positively must use a credit card, just open a paypal and link your credit card to it. Its that simple.>Buh-buh-but I don't wanna open a paypal!Congratulations. You now know why some rando selling three Marvel Legends out of his mom's basement doesn't want to open credit card processing for one, or three or ten transactions in a year.Also, I am almost certain that to accept credit card payments/transactions, you are required to collect state tax from people, and that is something you have to do all the math for on your end. And every state has a different rate, so it is up to you to figure that out and then send it to the government. And no one wants to do that, or even have to worry about having to worry about that.If you want to use a credit card, link it to paypal, and if you don't want to use paypal, now you know why people don't want to deal with accepting credit cards.
>>11772800 Mercari thought it’d attract more business to be able to sell without fees, and lower priced listings would attract more buyers. Which of course would be true, if things were that simple. But lots of sellers didn’t even lower their prices accordingly. And even for the ones that did, there is sticker shock for the customer when you see something costs $100, and then to get to checkout and it’s $120. They don’t just eat it, they immediately go check eBay to double check to see it actually costs the same there. And fuck it, now that they’re on eBay and the price is the same, they might as well just buy it there.
