Echeque? What is this why is my purchase not working

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Ragonz
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Joined: Sat Apr 20, 2013 11:16 pm

Echeque? What is this why is my purchase not working

Post by Ragonz » Sun Nov 22, 2015 11:03 pm

What is an Echeque? Why is it holding up my purchase?

Sometimes we get an echeque as a payment method. Unfortunately many people are not aware that echeque’s will hold up their game server so I thought I'd write this short guide to give you the low down on this method of payment and exactly why echeque’s hold up gameservers.

Paying for your server with PayPal

PayPal is a very popular method of payment especially for gameservers. Many people are unaware however that there are two ways to pay through PayPal.

The first is where there is sufficient funds within your PayPal account and/or you have a credit card on file with them. This will be an instant transaction and the we will receive the funds immediately and so your purchase will not be delayed.

The other method is what PayPal have termed an ‘echeque’. Echeque’s are where you have an insufficient balance within PayPal to pay for your goods outright and do not have a credit card on file with them. As PayPal will not allow your account to go into debt they take the necessary funds required to complete your transaction from your bank account.

This request for funds from your bank account is where the delay stems from as it can take anywhere between 5 to 14 days for PayPal to clear the funds from your bank and pass them on to us. Lord only knows why they take so long but unfortunately they do. The cynical might conclude that PayPal sit on the funds for a week to earn interest.

Whatever the reason, during this period we have not recieved payment until PayPal confirm payment has been made so we cant deliver the order because, like a paper cheque, there is no guarantee that the payment will go through. After all You can’t really expect us to provide a server when the payment might never clear.

This all creates a very frustrating situation for the buyer if they need their purchase urgently. This is compounded as PayPal do not tell you that payment will not be made to the seller for at least a week so the first the buyer knows about it is when they enquire a week later where their goods are only to be told "we haven’t received your payment yet".

How can you avoid the echeque trap?

To avoid delaying your purchases it is a good idea to link a credit card to your PayPal account. It is perfectly safe as PayPal never disclose your card details to us and doing so will enable you to make instant payments regardless of your PayPal balance.

It will also verify your address making you a full verified PayPal member which will allow you to benefit from PayPal's buyer protection scheme.
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