Robert -348404 Posted February 7 Share Posted February 7 Hi this subject has probably come up before but is there a reason why hornby don’t have PayPal as a payment option Link to comment Share on other sites More sharing options...
SteveM6 Posted February 7 Share Posted February 7 Strange comment - I’ve always used PayPal for Hornby purchases.edit: it shows as a payment option on my checkout page (checked 5 mins ago). Link to comment Share on other sites More sharing options...
ColinB Posted February 7 Share Posted February 7 They do but it is not obvious. On the checkout menu there is a button "other ways to pay", it then gets displayed. You probably missed it as would I, if I wasn't particularly looking for it. Link to comment Share on other sites More sharing options...
Brew Man Posted February 7 Share Posted February 7 I've never had a problem paying by Paypal on Hornby's checkout. Link to comment Share on other sites More sharing options...
Bulleidboy Posted February 7 Share Posted February 7 Same here - Paypal everytime. Link to comment Share on other sites More sharing options...
Brew Man Posted February 7 Share Posted February 7 I must admit lately I've been paying with Clear Pay as it reduces the pain slightly. Link to comment Share on other sites More sharing options...
Aussie Fred Posted February 7 Share Posted February 7 In Aussie land we have "AfterPay" which has the same symbol as ClearPay and allows payment in 4 fortnightly pays. I use them for everything except questionable overseas or EBay purchase where I use PayPal (often with 4 fortnightly payments) as it is safer, the vendor does not get access to my credit card details and they have a money-back guarantee. Link to comment Share on other sites More sharing options...
Brew Man Posted February 7 Share Posted February 7 Yes ditto, I use Paypal for almost everything. Link to comment Share on other sites More sharing options...
ntpntpntp Posted February 7 Share Posted February 7 Paypal every time for me. I'll use it on any site which supports it. Link to comment Share on other sites More sharing options...
LTSR_NSE Posted February 7 Share Posted February 7 I too use PayPal for in stock purchases. However a card is required for preorders - perhaps that is what OP is referring to? Link to comment Share on other sites More sharing options...
ntpntpntp Posted February 7 Share Posted February 7 Ah yes, good point. My pre-orders have been by card. Makes sense if they do a check when the order is taken, even if not actually charged until the item comes in. Link to comment Share on other sites More sharing options...
ColinB Posted February 7 Share Posted February 7 I think you can do that on Paypal, the only issue probably is there is a time limit on PayPal so in a lot of cases where you wait 2 years or more, PayPal will have cancelled the transaction. Link to comment Share on other sites More sharing options...
gilbo2 Posted February 7 Share Posted February 7 On the payment screen there is a "other ways to pay" option, PayPal is under there, but cannot be used for pre-orders. Link to comment Share on other sites More sharing options...
sxbiker Posted February 8 Share Posted February 8 In the past I have used paypal for pre-orders but it doesn't appear that you can do it now. Link to comment Share on other sites More sharing options...
AndyMac1707817969 Posted February 8 Share Posted February 8 The 'section 75' protection provided by using a credit card is by far superior to anything any third party company offers. Section 75 protection is 'ridiculously good' and is backed by the law and lasts for a period of 18 months after purchase. The protection offered by companies such as PayPal lasts usually between 30 to 90 days, is not enforceable by law and is based purely on 'company policy', you should read this policy as often where there is ambiguity for things such as ‘not as described’. When you use a company such as PayPal then you are using an intermediary. If Hornby were to go bust then your credit card payment is to PayPal not to Hornby so you may well just have nullified any protection you might have had by using it to fund the transaction. Retailers prefer not to use PayPal as the fees are high and if buyer payment is sourced from a credit card then the retailer ends up with even higher fees. Generally nowadays unless it’s a doggy site, the days of supplying card details for the retailer to put trough as a 'customer not present' transaction are long gone. Whenever you make a payment on a site, the details are automatically passed through to the card processing portal and the retailer sees none of them. They either take payment or get an authorisation. If the payment is not rejected outright then the retailer is given a risk score as to how safe the payment is, basically the likelihood of a chargeback. This will depend on things like Multi Factor Authentication having been used in the payment process. It’s up to them then to proceed or not to proceed with the sale, they risk losing the money and the goods. Most transactions are done now by obtaining an authorisation so payment is not taken until goods are ready to be dispatched. Retailers storing card information is a really bad idea for them is they don’t have the security to protect it which their liability insurance would have to cover if security is breached. Provided they have the necessary security retailers can store the card details but never the CV3 number. If a data breach occurs and you were found to have stored then CV3 then you will end up with a substantial fine from people like VISA. Link to comment Share on other sites More sharing options...
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