Weird PayPal Key story

[simplynoir]

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

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This had to happen to me. I swear I selected that stupid Freedom card and instead took money from debit card. Think whatever checks that happen on PayPal's end to verify payment didn't take and instead selected another card which happened to be default debit

What worries me about her case is fact that you have to manually change payment card being used for key. Think more and more PayPal effed up and thankfully wasn't a big problem. Had this happened to someone else who needs the payment taken from the specific card whether do to sufficient funds, financing, or whatever else I can see them being rightfully angry if it used another card linked on their PP account

[FinStar]

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@Remedios wrote:

I wonder if delayed shipping contributed to this. There was a hold on Freedom, but it dropped off, and next appearance happened to be on debit card.

Debit card was never associated with PayPal key, but two other credit cards were 

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Well, I'm glad you shared your experience.  I'm still stumped on how it happened given the evidenced you've shared with us.  We'll go with 'glitchy' cuz there doesn't appear to be any other logical explanation for it.

[Remedios]

It looks like paypal glitch, nothing I can do about it since as @Credit12Fico  pointed out they can use "alternative" payment method in case something goes wrong.

Im not heartbroken as long as paypal key continues to work 

[Anonymous]

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

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That's what I'm wondering too. Regular PayPal used to always make me nervous because they had verbiage that said if your preferred funding source was declined they would go for other funding sources and they set your bank account and debit card above any other credit cards. I can't find anything on their site now that says they still do this though (I've been a PayPal member for ages - I can't remember when I made my first account). 

[simplynoir]

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@Anonymous wrote:

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

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That's what I'm wondering too. Regular PayPal used to always make me nervous because they had verbiage that said if your preferred funding source was declined they would go for other funding sources and they set your bank account and debit card above any other credit cards. I can't find anything on their site now that says they still do this though (I've been a PayPal member for ages - I can't remember when I made my first account). 

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I did some digging because I'm awake 'n cool like that 😐 and while I don't know if it applies specifically to this situation with complication of Paypal key I think this is what they did

In backup payment section:

'Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for automatic payments.'

Now the latter didn't happen here where they showed her alternate methods since primary didn't work (that can be explained with hold on card til item was shipped) but I think because it's Paypal key being used it has its own rules on how transactions are completed. I think this makes sense with next section regarding automatic payments which while hers (or mine for that matter) was not the case it applies on how they went about what backup payment to use

'If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, as applicable: 1. balance; 2. bank account (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; 6. credit card; and 7. eCheque.'

So I think Paypal key with Freedom failed when payment was finally needed and instead of using debit card directly that was already on file they just replaced the Freedom card one-time with debit card for PPK purposes to complete transaction. That is my Unsolved Mysteries explanation at least

[FalconSteve]

I had something simlilar happen. I bought something with PayPal Key, but it didn't charge until it shipped. Before it shipped, I charged the payment method to my Dad's Chase Freedom card (I'm an AU and he wanted to buy something online & get the 5%, but didn't want to sign up for PayPal key). Because my BestBuy order shipped AFTER I charged the default, both transacttions were on his card. Luckily, I realized what happened, paid my Dad's card, told him and he let me keep the 5% cashback (so I benefited compared to the 2% I would have gotten otherwise).

If you didn't add the debit card, that sounds like a PayPal error. If you can get a live person, they may be able to redirect it to the correct card or refund you the missing 5% rewards since it sounds like their error. Good Luck!

[FalconSteve]

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@simplynoir wrote:

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Only thing I can think of is the payment source was changed to your debit card through a possible glitch on Paypal's end if it wasn't done by you. Otherwise I am out of ideas on how that happened 🤷‍♂️

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I use PayPal Key a lot and I have had two transactions fail because the fraud algorythm at Citi wanted me to verify them. The entire transaction failed, it didn't default to my debit card, checking, or another credit card. Same for my wife (although she only has one credit and one debit linked to hers and only have one Citi fraud alert... Citi seems to hate when we use PayPal Key)

[Remedios]

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@simplynoir wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

---

That's what I'm wondering too. Regular PayPal used to always make me nervous because they had verbiage that said if your preferred funding source was declined they would go for other funding sources and they set your bank account and debit card above any other credit cards. I can't find anything on their site now that says they still do this though (I've been a PayPal member for ages - I can't remember when I made my first account). 

---

I did some digging because I'm awake 'n cool like that 😐 and while I don't know if it applies specifically to this situation with complication of Paypal key I think this is what they did

In backup payment section:

'Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for automatic payments.'

Now the latter didn't happen here where they showed her alternate methods since primary didn't work (that can be explained with hold on card til item was shipped) but I think because it's Paypal key being used it has its own rules on how transactions are completed. I think this makes sense with next section regarding automatic payments which while hers (or mine for that matter) was not the case it applies on how they went about what backup payment to use

'If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, as applicable: 1. balance; 2. bank account (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; 6. credit card; and 7. eCheque.'

So I think Paypal key with Freedom failed when payment was finally needed and instead of using debit card directly that was already on file they just replaced the Freedom card one-time with debit card for PPK purposes to complete transaction. That is my Unsolved Mysteries explanation at least

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You figured it out!

I think the lesson here is if you're not expecting item to ship in reasonable time span, or an item is currently out of stock, remove other payment methods if it's imperative PayPal key be used. 

[Anonymous]

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@simplynoir wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

---

That's what I'm wondering too. Regular PayPal used to always make me nervous because they had verbiage that said if your preferred funding source was declined they would go for other funding sources and they set your bank account and debit card above any other credit cards. I can't find anything on their site now that says they still do this though (I've been a PayPal member for ages - I can't remember when I made my first account). 

---

I did some digging because I'm awake 'n cool like that 😐 and while I don't know if it applies specifically to this situation with complication of Paypal key I think this is what they did

In backup payment section:

'Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for automatic payments.'

Now the latter didn't happen here where they showed her alternate methods since primary didn't work (that can be explained with hold on card til item was shipped) but I think because it's Paypal key being used it has its own rules on how transactions are completed. I think this makes sense with next section regarding automatic payments which while hers (or mine for that matter) was not the case it applies on how they went about what backup payment to use

'If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, as applicable: 1. balance; 2. bank account (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; 6. credit card; and 7. eCheque.'

So I think Paypal key with Freedom failed when payment was finally needed and instead of using debit card directly that was already on file they just replaced the Freedom card one-time with debit card for PPK purposes to complete transaction. That is my Unsolved Mysteries explanation at least

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That backup order is what I was looking for. They used to readily disclose that but I didn't find it on a quick search this time. That is indeed what I was talking about though. It looks like that one is from the UK site since it references eCheque. 

[simplynoir]

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@Anonymous wrote:

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@simplynoir wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume that if for any reason the selected payment source (Freedom here) fails, the whole transaction fails?   Or is there some hidden backup algorithm, "let's use the debit card"   I really doubt that, but then it's hard to see what happened here!

---

That's what I'm wondering too. Regular PayPal used to always make me nervous because they had verbiage that said if your preferred funding source was declined they would go for other funding sources and they set your bank account and debit card above any other credit cards. I can't find anything on their site now that says they still do this though (I've been a PayPal member for ages - I can't remember when I made my first account). 

---

I did some digging because I'm awake 'n cool like that 😐 and while I don't know if it applies specifically to this situation with complication of Paypal key I think this is what they did

In backup payment section:

'Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for automatic payments.'

Now the latter didn't happen here where they showed her alternate methods since primary didn't work (that can be explained with hold on card til item was shipped) but I think because it's Paypal key being used it has its own rules on how transactions are completed. I think this makes sense with next section regarding automatic payments which while hers (or mine for that matter) was not the case it applies on how they went about what backup payment to use

'If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, as applicable: 1. balance; 2. bank account (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; 6. credit card; and 7. eCheque.'

So I think Paypal key with Freedom failed when payment was finally needed and instead of using debit card directly that was already on file they just replaced the Freedom card one-time with debit card for PPK purposes to complete transaction. That is my Unsolved Mysteries explanation at least

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That backup order is what I was looking for. They used to readily disclose that but I didn't find it on a quick search this time. That is indeed what I was talking about though. It looks like that one is from the UK site since it references eCheque. 

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Did another search and it looks like you're right. In the US they call it eCheck and the wording is sightly different as far as what they call 'balance' which they elaborate more as basically any personal/business PayPal account you may have with them as first in line for backup payment purposes. The rest is more or less the same as far as priority/wording