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Member |
A third party club / organization is asking that membership fees be paid via pay pal. I'm loathe to do this and seeking alternatives but may be forced down this path. I am not currently registered with PP. Some questions for those in the know: 1. Can I create a PP acct using fake info (name, address)? Or will they try to verify it? Not sure what to do about phone - any thoughts? 2. I assume I can create a dummy email account and use it specifically for this purpose. It'll be a real email account just not used for any purpose outside of PP. 3. Can I buy a visa gift card and use that for payments? Is this reliable (no address for gift cards, etc)? Or will I need to use a personal credit card - this causes considerable reservation. "Wrong does not cease to be wrong because the majority share in it." L.Tolstoy "A government is just a body of people, usually, notably, ungoverned." Shepherd Book | ||
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quarter MOA visionary |
Maybe look at some service that processes payments from a variety of sources. You may not have to setup any other accounts other than your bank account. Don't have anything in mind but something like Squarespace or similar might work out. | |||
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| Thank you Very little  |
does your bank offer Zelle, most do and it's free and simple to use to transfer funds. Of course the group may only accept PP, if so you'll have to use them to send in fees, you can always tell them you won't use PP and need an alternative. | |||
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thin skin can't win |
PayPal tied only to a credit (not debit!!) card and no bank account is virtually risk free. You have protection from them and of course can always contest any card charges. They aren't as scary as people think, though they may be the debil due to stance on firearms related items. As an alternative, if organization is one you plan to be in long term and not terribly expensive, maybe ask them if you can write a check to pre-pay for next 5 years or so membership? Now we're really seeing how you balance paranoia and economics.... You only have integrity once. - imprezaguy02 | |||
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| Ugly Bag of Mostly Water  |
You can buy ebay prepaid cards at most grocery stores, drug stores and gas stations. You use these gift cards to put the money into your PayPal account. Once the money is in there, you can use the money for your payments. Endowment Life Member, NRA • Member of FPC, GOA, 2AF & Arizona Citizens Defense League | |||
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A Grateful American |
See if your card issuer permits the use of "virtual card(s)" and if it can be "locked/unlocked" at any time by you. If so, create one for that specific organization, make the payment, then lock the card until you need to make another payment to them. If not, you may be able to obtain a "reloadable balance" card and use that for any/all transactions that will be separate from your banking account(s), and you can add only enough funds at anytime to use and zero balance the rest of the time. Anyone that tries to charge against it for more than the balance, or fraudulently, will get an "insufficient funds" notification and no money. "the meaning of life, is to give life meaning" ✡ Ani Yehudi אני יהודי Le'olam lo shuv לעולם לא שוב! | |||
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| Member |
Thanks guys! Okay, sounds like it's okay to use real, personally identifiable information. Can use gift cards - no issues. Will look into "virtual cards" but I don't think my CC issuer allows for this. But if gift cards work, then that should be enough. I'll just use a new gift card annually to pay dues and then balance will be zero. I'm really paranoid about identify theft and fraud; especially w/ all the hacking going on. With all the other bad stuff going on my life right now, I just don't need to add to it.  Still will look into alternatives to PP, including driving 6 hours round trip (annually) to just pay in cash in person. "Wrong does not cease to be wrong because the majority share in it." L.Tolstoy "A government is just a body of people, usually, notably, ungoverned." Shepherd Book | |||
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Fighting the good fight |
Some websites use Paypal solely as a credit card payment processor. In those cases, you aren't required to create a Paypal account in order to make a payment. If you click on the Paypal payment button, you'll be offered the opportunity to sign in/register for a Paypal account, but there will also be the option to proceed without using a Paypal account. You then simply type in your credit card info, just like you would on any other online retailer's site when you get to their payment screen. So you might see if that's the case with this particular organization, before you twist yourself into a pretzel trying to get around creating a Paypal account that may not be necessary in the first place...  | |||
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His Royal Hiney |
I don't think anyone would say you're too paranoid about that threat. Follow the good advice given you. I'm 100% electronic payment transactions except for an infrequent check use. I have Zelle, Paypal, Xoom, etc. But, that said, I locked down my credit reports at the 3 agencies. I signed up for free monitoring offered by my credit cards which is how I knew my personal info was found on the dark web because of some third party breach. That's what made me lock down my credit reports. "It did not really matter what we expected from life, but rather what life expected from us. We needed to stop asking about the meaning of life, and instead to think of ourselves as those who were being questioned by life – daily and hourly. Our answer must consist not in talk and meditation, but in right action and in right conduct. Life ultimately means taking the responsibility to find the right answer to its problems and to fulfill the tasks which it constantly sets for each individual." Viktor Frankl, Man's Search for Meaning, 1946. | |||
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אַרְיֵה |
Capital One's Virtual Card thing works REALLY well! I have been using it for several years. The ability to create a card that is only useable for one merchant is great, even if that merchant's system is hacked, the Virtual Card will be declined if the hacker attempts to use it anyplace else. Each Virtual Card can be locked / unlocked or deleted at any time, and you can create as many Virtual Cards as you want. I have around fifty, for fifty separate vendors, like cable bill, municipal water bill, vehicle insurance, cell phone service, one for MidwayUSA, one for SGammo, etc. הרחפת שלי מלאה בצלופחים | |||
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| thin skin can't win |
Fifty!?! What the Toasted Crunch Fuck are you people doing to keep up with all these? Heck, I'd rather have to get my one primary card replaced every 2-3 months than go through this hassle. And using it normally that is only about every 1-2 years normally. Again, a bargain compared with spending all day every day worrying about someone guessing my card number or hacking some card company's database. If they do THAT, they are still getting my personal information regardless of the card number. I haven't had a fraudulent charge actual make it to a statement cycle in 5+ years, they normally are snagged in transaction by card company, get notice and have to use a different card for the 2-4 days it takes to get a new card. Fifty?!?  You only have integrity once. - imprezaguy02 | |||
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Alea iacta est |
You don’t understand how virtual cards work. They are super convenient, and I want my shit setup exactly as V-Tail. Wells Fargo doesn’t offer virtual cards, or didn’t the last time I checked. I just want a load of virtual debits. I have to check into Apple Pay and see if they offer the same. As far as virtual cards, login and see a list of cards and who you have them attached to for payments. Super easy to manage. I used them extensively at my old job in Washington. The “lol” thread | |||
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| Member |
I only do electronic bill pay from my bank account - large vendors / CC only. I've never used epay for person to person. I've locked down 2 of 3 - I need to fix problems w/ the 3rd agency. I used to have a card that did the virtual thing - it was useful. But they stopped that program so now I don't have the virtual card anymore. So, my fallback is to use gift cards. "Wrong does not cease to be wrong because the majority share in it." L.Tolstoy "A government is just a body of people, usually, notably, ungoverned." Shepherd Book | |||
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| Member |
You need a real name, a real address and an email that works. Then a cc that works (however you do that). I'm pretty paranoid but I think pp is as secure as most things and pretty well protected since you have pp and your cc to look to for resolution of issues. IT CAN BE EXPENSIVE depending on what you are doing but I wouldn't have an issue paying a club that you know. I'm adding a small story to this to show that everything has risk. I have a premium mastercard. It was hacked somewhere outside the US. They overnighted me a new card. I got it as a sealed FEDEX overnight envelope no obvious tampering and the correct printed labels. Yet it had already been hacked. “So in war, the way is to avoid what is strong, and strike at what is weak.” | |||
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| אַרְיֵה |
You wrote "Apple Pay" -- did you mean "Apple Card?" Two different things, although Apple Card can certainly be used with Apple Pay. Wells Fargo? Capital One offers very versatile Virtual Cards. Their Savor One card gives 3% cash back on food, so it's the one that I use for grocery shopping at Publix and Aldi, for take-out food, and for eating at restaurants. It can be added to Apple Pay, so it's easy to use iPhone or Watch at checkout. הרחפת שלי מלאה בצלופחים | |||
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Member |
PayPal has been GREAT for me. I use it to sell my Garmin product. https://www.ebay.com/itm/33388...tkp%3ABk9SR9br7bSxZA Never had a single problem over the years........sold 800 items. | |||
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