Etherton Offline Upload & Sell: Off
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Found this on another forum (Computer related forum - if interested) I frequent: http://hardforum.com/showthread.php?t=1837966
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Amazon Payments ended on the 13th of October for individual payments. R.I.P. That leaves the majority of us stuck using PayPal. I personally dislike PayPal/PayPal policies and I think most others would agree.
I have only listed options I have personal experience with. PLEASE feel free to add a suggestion/make a change.
I made this fairly quickly so it is a work in progress.
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**ANY payment method with a credit card can be chargedback.**
**ANY payment method with a bank account can have an ACH dispute opened.**
**ANY payment method with a debit card can be disputed via issued bank.**
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Google Wallet
Pros:
FREE to send money via bank account, wallet balance, & debit card!!
Instant payment for debit/CC/wallet balance and some banks*?
Cons:
Payments with credit cards have 2.9% fee
Notes:
There was a promo where the first $250 sent via CC had no fee, however, I do not know if that promo is still available.
*Need to confirm that all banks allow instant transfers
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Dwolla- LINK
Pros:
$0.25 fee per transaction, or free for transactions of $10 or less
Instant payment if funding with balance
Cons:
They have NO form of CC/Debit card payments.
Notes:
Dwolla has a nominal dispute process.
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MoneyPak/PayPal MyCash Cards
Pros:
Low cost - $3.95 for MyCash/$4.95 for MoneyPak
Instant payment (Codes can be scratched and sent via PM/e-mail)
No chargebacks
Cons:
Must be purchased at CVS, Rite Aid, Walmart, ect.
No buyer protection
$500 load limit per card
Limit on how much you can apply to your PayPal account per day/month
Required to enter your SSN upon redeeming via PayPal.
Notes:
A credit card can be used to purchase these in most cases, this allows you to receive cash back which will negate the fee in same cases.
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Chase QuickPay
Pros:
FREE, no fees
Instant payment
Seller does NOT need to have a Chase checking account/VISA
Cons:
BUYER MUST have a Chase checking account/VISA
Notes:
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USPS Money Order
Pros:
Safe way to receive payment for a seller - No chargebacks
Low cost/fee ( $0-$500 $1.25, $500-$1000 $1.65)
Cons:
Limited buyer protection
Must be mailed to the recipient at an additional cost
Notes:
I personally have only used USPS money orders for firearm sells/purchases. The amount of time needed to use this method will be a major deciding factor for most people.
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Bitcoin (BTC)
Pros:
No chargebacks
FREE, no fees to send
Instant payment
Cons:
NO buyer protection
Price FULCTUATES A LOT
Hard to obtain, costs a fee to obtain
Hard to transfer to actual cash(if you don't have a wallet like Coinbase)
Notes:
I only have experience with Coinbase. I personally do not like BTC.
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PopMoney - LINK
Pros:
$0.95 flat fee on all payments
Money moves directly from bank account to bank account
Cons:
Not instant - transfers take as little as 1 day for debit cards and 3 days for bank accounts
Debit Card has $500 daily/$1000 monthly limit
Bank account has $2000 daily/$10k monthly limit
Notes:
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Venmo - LINK
Pros:
FREE payments via balance, bank account, & major debit cards
Cons:
Only major debit cards accepted, check their site for a complete list
3% fee for credit cards
Must verify SSN to have unlimited cash outs
Must verify SSN to have a $3000 weekly sending limit (starts @ $300)
Notes:
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Walmart 2 Walmart - LINK
Pros:
Semi decent fees: $4.50 to transfer up to $50, and a flat rate of $9.50 to transfer between $50 - $900
Cons:
$900 sending limit
Can only be used with cash/debit cards
Must be at a Walmart to send and receive money
No buyer protection
Notes:
This is basically a cheaper alternative to Western Union for sending money within the US.
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