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Seller flaked out when I asked them to send a Paypal request and add 4% for fees (1 Viewer)

mws2019

mws2019

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I won't say who it was but here is the situation, which has me scratching my head.

So to be clear I do not have a PayPal account and have not for years since they started de-banking people and stealing peoples money held in PayPal or holding you account if you upset anyone and it was reported. I do however use it here and elsewhere and have paid for years transactions via a payment request email. I always offer to pay the additional fees they charge but feel it is safe for everyone.

I recently had a seller on here back out and refuse to do the deal, unless I could open a PayPal account and send Friends and Family only. When I further explained I have done several transactions without any issue that way and did not understand their issue. They claim to suddenly have a family emergency, I found this to be weird in my eyes. I am sure they can also see my feedback as such or ask others how things went.

I would use Venmo but if I use my credit card and do friends and family payments, they charge a cash advance charge which is dumb.

Same claim it will be a tax problem at the end of the year but my accountant straight up says " what did you pay vs sold for?" that is always within a few dollars so he says then it is not reported and do not worry about it as you did not profit.

If anyone could give a better explaination to me what the reason is this happened I would be all ears. '

Cheers! mws2019
 
I’m not involved in this deal at all but I certainly don’t accept G&S for anything. I must have done 500+ transactions here over the years and as a hobbyist I sure as hell don’t keep records of anything. Not to mention chips that are later sold are almost never the exact same breakdown/lot as initially purchased.

I’m not paying 52% marginal tax just because you added 4%.

Having said that I do make it very clear in the rare sale listings I ever do, and quite often I send chips out on blind faith without payment.

Just my two cents.
 
A lot of people simply don't want to deal with the Goods & Services aspect of PayPal. It's as simple as that. Ran into this issue a lot in another hobby where payments were routinely made through F&F. The size of transactions on here might make a seller more hesitant of anything that might arise from using G&S.

Granted, the "family emergency" excuse was weird 🥴
 
elPadroni said:
A lot of people simply don't want to deal with the Goods & Services aspect of PayPal. It's as simple as that. Ran into this issue a lot in another hobby where payments were routinely made through F&F. The size of transactions on here might make a seller more hesitant of anything that might arise from using G&S.

Granted, the "family emergency" excuse was weird 🥴
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$225.00 Seems like a small amount to me to be worried, plus I am a FFL holder so I am not going loose my livelihood scamming folks. lol
 
Not involved in any way, but just to play devil’s advocate, if it was a posted For Sale ad and the seller didn’t list goods and services as an accepted form of payment, that would be a reason to not honor the deal.

I’m not a tax expert but I’ve heard of meeting certain thresholds for receiving payments that lock you into reporting it on your taxes by automatically receiving forms due to PayPal reporting it to the IRS.

Hopefully you can get things worked out. Don’t always discount a family emergency as an excuse, there’s never really a convenient time for an emergency and things like poker chip transactions can become trivial in those moments.
 
mws2019 said:
Same claim it will be a tax problem at the end of the year but my accountant straight up says " what did you pay vs sold for?" that is always within a few dollars so he says then it is not reported and do not worry about it as you did not profit.
Click to expand...
This is just like the CONUS complaints - if a seller doesn't want to deal with what they perceive to be additional headaches, that's up to them.
 
If you are the buyer and you’re looking for protection, you can send via PayPal friends and family using your credit card. You will be hit with a small 2% fee, but gives you the ability to dispute it if the seller does not fulfill your order. And the seller is still getting his $ via friends and family.
 
This isn't atypical at all. A good deal of us are hobbyists that buy, sell, and trade within the hobby only. We're not vendors or businesses that get 1099's that we pay tax on.

Using goods and services, while it protects the buyer, is simply not reasonable for the average Joe here as it opens them up to tax liabilities for nominal amounts that seem to get smaller and smaller every year.
 
DirtyTIVA said:
I’m not involved in this deal at all but I certainly don’t accept G&S for anything. I must have done 500+ transactions here over the years and as a hobbyist I sure as hell don’t keep records of anything. Not to mention chips that are later sold are almost never the exact same breakdown/lot as initially purchased.

I’m not paying 52% marginal tax just because you added 4%.

Having said that I do make it very clear in the rare sale listings I ever do, and quite often I send chips out on blind faith without payment.

Just my two cents.
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Fyi it was never a 52% Marginal Rate that was mis-info BS. Also I guess many do not keep up "Under the 'big, beautiful bill,' the 1099-K reporting threshold reverts to $20,000 in payments and 200 transactions in a calendar year, effective for 2025 and beyond." So none of the previous Administration's Excessive taxing they passed is valid anymore anyway. (edited for people who can't deal with a name for descriptor being used)
 
Last edited:
doublebooyah85 said:
If you are the buyer and you’re looking for protection, you can send via PayPal friends and family using your credit card. You will be hit with a small 2% fee, but gives you the ability to dispute it if the seller does not fulfill your order. And the seller is still getting his $ via friends and family.
Click to expand...
This is the way.
 
Did you offer to pay the 4% extra, or did they shut down the transaction because G&S was going to deliver him 4% less than anticipated?
 
OP making it hard on the seller to sell. Last thing I want as a seller is some boutique, convoluted “solution” to a non-problem. No idea what the listing said, but that’s why sellers should specify payment. If they did and OP ignored that, that’s a double PITA.
 
BNM said:
OP making it hard on the seller to sell. Last thing I want as a seller is some boutique, convoluted “solution” to a non-problem. No idea what the listing said, but that’s why sellers should specify payment. If they did and OP ignored that, that’s a double PITA.
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it was not a listed item it was through a pm
 
mws2019 said:
it was not a listed item it was through a pm
Click to expand...

I agree with the OP there should have been better communication. But ultimately this community of total strangers is built entirely on trust and reputation and stuff through PM always carries more variance than a public listing. Not that “dibs” is particularly legally binding but it’s visible.

To answer the OP’s original question while the details of this particular transaction don’t sound ideal, I do think most sellers here tend to shy away from GS as a personal choice, similar to the CONUS analogy referenced above.
 
When selling I'll give people the option of either F&F, or G&S if they want to pay the fees. I have no preference either way.
 
mws2019 said:
it was not a listed item it was through a pm
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Tracking. More open to what each party is comfortable with then. Initial feedback seems to still hold: make it too hard on a seller and it becomes not worth the effort. Seems like that’s what happened here.
 
upNdown said:
This is just like the CONUS complaints - if a seller doesn't want to deal with what they perceive to be additional headaches, that's up to them.
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Yuuup...

I've had deals fall thru from my sticking points or their sticking points. In the end, it's not a big deal, it just didn't work out. The 4% was enough to make it not worth it. That's apart of doing business.

I generally don't care, but I'm fine with F&F, or G&S, but the buyer is paying the fee if they want it. If that ruins the deal, adios.. all good on this end.

For KMCo, all sales are G&S as it's a business, and that's built into my pricing.
 
BNM said:
What’s it pegged to and what’s the current price per?
Click to expand...
GIF by Giffffr
 
Another problem with G&S is that, in case of a refund, PayPal keeps the fees (correct me if I'm wrong and this has changed, but these things never change in users' favor).
 
BNM said:
Hahahahahhaha. This is a real thing. Not enough high-fives to give for this. LOL
Click to expand...
Damn right it’s real. And @BonScot gave approval for artwork so you know it’s legit. It’s just pegged to solana in terms of value, like most meme coins these days.
 
I find it funny, people are so worried about taking a payment for goods, but yet the item they sold has a value and the profit is likely very low. Currently the government (fed) has a 20K PER YEAR trigger for a 1099-k form to even be reported. Yet make claims there are flags each transaction and having to keep receipts etc and pay taxes on what they are doing.

But then on the other hand they are not worried about lying and hiding business from the IRS and state tax authority through being fraudulent and what those reprecussions would be if they got caught.

I guess with that position laundering money is ok too - as long as no one catches you....

It's truly amusing the mental circus of gymnastics that must be going on up there in their heads.
 
mws2019 said:
I find it funny, people are so worried about taking a payment for goods, but yet the item they sold has a value and the profit is likely very low. Currently the government (fed) has a 20K PER YEAR trigger for a 1099-k form to even be reported. Yet make claims there are flags each transaction and having to keep receipts etc and pay taxes on what they are doing.

But then on the other hand they are not worried about lying and hiding business from the IRS and state tax authority through being fraudulent and what those reprecussions would be if they got caught.

I guess with that position laundering money is ok too - as long as no one catches you....

It's truly amusing the mental circus of gymnastics that must be going on up there in their heads.
Click to expand...

i find it funny you are still harping on it when in your own words:

mws2019 said:
$225.00 Seems like a small amount to me to be worried
Click to expand...
 

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