theronin wrote:why dont you just put your credit card on paypal as the primary and charge it that way? then it would be going through them both for the payment? or am i missing something fundamentally important about the whole paypal process?
Because it's easier to deal with your credit card company and the merchant DIRECTLY than to deal with paypal, your credit card company, and the merchant if something goes wrong. Paypal isn't an escort service, it's a service that allows instant cash exchange between two parties.
Fortunately for me, I never had to deal with paypal to recover funds, but I could imagine it to be a nightmarish process. By clicking on SEND MONEY, you agree to paypal's fine print and such, and that you agree to allow paypal to deduct $xxxx amount of dollars from your account. Paypal then sends that money to the merchant. Merchant never sends you item. YOu call your credit card company to reverse the charge, paypal shows them the receipt showing that you allowed them to place that charge, etc etc... so then you end up dealing with paypal instead of your credit card company. Kapisch?