VO-BB - 20 YEARS OLD!

MelissaVoicer · Guest

Ok, what's the magic trick here? There simply HAS to be one! Because my stoopid bank is now saying it could be up to 8 weeks for my Canadian payment to clear! This guy used to Paypal me and it would take a couple of weeks, but now wants to avoid paypal fees (don't blame him) and wants to use a plain old check. The check is in US funds, but he says he can't have a US BANK with a Canadian address, and that's the only way my bank says they can avoid snail mailing the darn thing back to his bank for verification of funds... Anyone know of any clever ways to do an cashiers check or money order of something with NO or LOW fees? Direct international wire tranfer is $40 and Western Union has a limit of $500 Canadian dollars for a transfer??? HELP!

Frank F · Posted: Thu Jun 28, 2007 8:51 am Post subject:

So make two or three Western Union transfers. I would definitely be cautious. If this "client" is already balking about PayPal fees, he is being too cheap for my blood. This type of action sends up red flags.

Does this "client" live close to the border and cross into the USA often? If so have him go to a WalMart and pay the $0.25 for a Money Order from the store.

I believe a WalMart in Canada will be able to give him the same type Money Order... Then overnight the MO's to you. Although there is some hassel involved... this type of transaction works.

There are also Travelers Checks...

Toodles

Frank F
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samowry · Posted: Thu Jun 28, 2007 10:09 am Post subject:

The burning question for me is: "What are the rates for Paypal payments?"

I would think for a job over $500, paying $40 for immediate payment to my bank would be worth the missed anxiety and stress. I usually use bank transfers and gladly pay to not waste my time watching the mail. Especially with out of the country clients. (mine were in Iceland and Finland).
Good luck,
SamA in Portland

Jeffrey Kafer · Posted: Thu Jun 28, 2007 10:25 am Post subject:

I'm confused, I was under the impression that paypal fees only applied to those receiving money. So you should be getting hit with paypal fees, not him. Of course, I reserve the right to be totally wrong about this.
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Doc · Guest

Jeffrey,

I agree! Since when does PayPal charge the payor to post a transaction?

I'm quite confused and on my way to peruse PayPal to see if policies have changed. (If they have, they should've informed me).

bobsouer · Posted: Thu Jun 28, 2007 11:34 am Post subject:

Guys,

Perhaps Melissa is one of those clever individuals who charges the PayPal fees back to her clients? Smile

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Doc · Guest

Bob,

I understand that, too!

I guess my question then becomes, why, on earth, would you disclose that you were tagging on PayPal fees to your invoice? Just make it a part of your fee.

Maybe I'm confused.

Jeffrey Kafer · Posted: Thu Jun 28, 2007 11:48 am Post subject:

or, just eat the paypal fee as a cost of doing business. Certainly the 3% is worth not having to wait 8 weeks for payment....?
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Doc · Guest

Jeff,

That's what I do. To me, it's a small price to pay to receive immediate payment and not have to dink with repeated invoices. AND, it's deductible.

billelder · Guest

Absolutely PayPal. I love it, my clients love it.

Dave · Posted: Thu Jun 28, 2007 12:04 pm Post subject:

Unless I'm confused as well... PayPal does not charge the sender any fees... only the recipient. Like the other folks that take PayPal I just eat the fee (2.7%) and smile all the way to the .... no wait a minute... I don't even have to go to the bank... what's not to like?
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todd ellis · Posted: Thu Jun 28, 2007 2:19 pm Post subject:

once again - i agree with bill. save all the fees and deduct them at e.o.y.
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Moe Egan · Posted: Fri Jun 29, 2007 2:16 am Post subject:

Ditto to what Todd said. Paypal rocks.
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MelissaVoicer · Guest

Hey guys,

thanks for the thoughts...here's the thing...first off, Frank--oh suspicious one Bitchin

this is a very good client who I've dealt with for years and he always pays on time, etc but he's a in bind because he has all the fees to deal with. Here's how it works in Canada apparently: it's not a specific fee FROM Paypal... (and he was paying with an echeck so it was just $5 flat fee to me which I happily ate) He ends up losing money because the bank where he has USD account will not let him do a direct paypal draw. So although he charges HIS clients USD and they pay him in USD, he must convert it to Canadian, then do the conversion back to USD through Paypal...and you end up losing 2-3% on each end that way. So he stopped doing Paypal so he could just issue checks directly from his USD bank acct in Quebec. However, my bank needs to snail mail the check back to his bank for verification of funds and then back to my bank, etc...and in summer it can take up to 8 weeks. They will not take any check from a Canadian bank except this way: even a cashier's check. He's looking into money orders... Travelers checks is an idea...been so long since I've used them...do they charge a fee when you buy them if you're buying IN USD WITH USD? Thanks!

Deirdre · Posted: Fri Jun 29, 2007 8:43 am Post subject:

How about a postal money order?

I've paid art dealers in Japan this way.
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