Anyone use Google Checkout or Paypal for offering digital based services?

[dreamache]

I'm offering a digital product and I need to determine which service I should use... I read that google checkout can take up to 4-6 hours to verify a credit card but they post the access info to the visitor instantly - so people can submit crap cards knowingly and access your product(s)?

 

[Kurt Maine]

I'm not sure about Google Checkout - I tried to use it when it first came out and the control panel was so horrible that I just couldn't figure out what I was doing.

I've been using PayPal for years and have never had any such problem with fraudulent credit cards being used.

 

[Aequitas]

I've never had a problem with PayPal for selling digital products but I'm always so fucking nervous to do any large numbers with them because I've always heard stories from countless people who say that PayPal fucked them up the ass for doing large numbers.

Basically if PayPal thinks that your doing something out of the ordinary, or your account seems to be suspecious in there eyes, then they have every right to put your account and money on hold for up to 6 months while they investigate your account activity.

But I think this has more to do with buyers complaining about the seller, or someone having zero feedback for a long time frame and then all of a sudden start bringing in thousands after thousands, that could seem a bit suspecious.

But even so I try not to push my paypal account much more then $2000 every two weeks, If it gets more then that I take the cash out right away just in case. Can't be too careful.

Now on the other hand Google checkout has no real limit that I've heard of, basically the cash goes right into your bank account so they can't really hold your funds from you, this gives you a lot more security in my eyes, but if what you say is right and its less secure for your online products then its kind of a toss up.

I don't think Google out of all companies would be that stupid to do what you say though, only because you can instantly verify a credit card online, I know that 100% a perfect example of two sites which do this are World of Warcraft Community Site and Direct2Drive: Download Games, Movies, TV Shows and more at D2D both those sites verify the cards instantly, so there is no reason why Google checkout would take a couple hours to do it, unless there paying with an e-check then it can take some time but the same with PayPal, this is why I try to never take e-checks.

Anyway enough of a ramble for me basically do your research carefully on both, read the fucking TOS and then judge, contact them about further questions, don't be lazy and try to get the advice of others in matters that can effect your cash flow hahaha.

 

[Kurt Maine]

I've always heard stories from countless people who say that PayPal fucked them up the ass for doing large numbers.

That's absolutely true. I have a friend who got his account frozen because he selling a high volume of products on eBay. Everything he did was legit, it just seems if you start to look like you're doing too well, they freeze your account and claim your cash. It's really a crime what they're doing, I'm sure they have something in their TOS that makes it fine - but I wouldn't be surprised at all if we start to see this story show up in the mainstream media some day. There are just an endless amount of people who have had their funds locked by PayPal for no apparent reason.