Friend won’t set up PayPal

[dessertorchide]

Friend bought some tickets for my family as well as hers. Need to pay her back £200. Asked her PayPal but she doesn’t have an account. Have told her it’s very easy to set up but she doesn’t want to and has given bank details. Only problem is I don’t have the money in current account and want to use PayPal because it links to my credit card. She doesn’t want to wait until end of the month when I will have the cash. Don’t know what to do.

Ebay buyer protection probably isn’t as comprehensive as the average credit card. I use PayPal a lot because it has good buyer protection and saves having to disclose credit/debit card details directly to retailers.

Can to transfer to husband/partner/different friend or mum via PayPal, get them to bank transfer back to you, and then bank transfer to aforementioned friend?

The first post stated that she doesn’t have the money in her bank account, hence she wanted to use her credit card linked to her PayPal

So you agreed to purchase something for £200 that you don't have the money for? Yeah, that's why your friends annoyed.

But you can't afford the tickets can you? And you couldn't afford to buy a new car because you were planning to buy that on credit too. You didn't have enough in your bank account to buy the car and you went into your overdraft. If you got to the dealership and they say no credit cards, you should've left and thought about options you COULD afford. Not still going ahead with the purchase knowing you didn't have enough in your bank AND knowing you owed a friend £200. Now you don't even have £200 left.
I think you need to look into your spending habits and reliance on credit.

You can’t do that, unless it goes through a payment processor like worldpay, PayPal, stripe etc

It is not about OP thinking PayPal is the best and only method, it is because the only money left is via the credit card, because a car was bought with all the bank money. If money was in the bank, PayPal probably would not have been mentioned.

As an aside, a dealer who will not take a deposit on a cc is trying to avoid you charging back if something goes wrong, I wouldn’t buy a car without that free and valuable protection.

https://www.aura.com/learn/paypal-scams

You will clearly have to PayPal yourself to your bank account and then forward the money by bank transfer to her. It’s not her problem or responsibility to set up PayPal.

This. It seems all totally illogical. If you can transfer money to your friends bank account from your cc via PayPal, then you can transfer it to your own and withdraw it!

Yeah the idea is if she can use PayPal to pay her friend on her credit card then she can do that to her own bank account and send it to her friend like that. That’s the point.

What did you end up doing OP?

PayPal it to yourself and and send it from your current account… I do this with a second PayPal account.

Can't you send someone else this £200 payment via PayPal (parent, sibling or other friend) from your credit card and then get them to transfer the money back to your normal bank so you can pay your friend?

If the friend is receiving universal credit, maybe she knows that universal credit can request to look at bank statements and if they see a PayPal account on said statements, they then request PayPal statements to prove that you are not receiving an income through things like selling on eBay. Not providing this evidence is a payment blocker and maybe the friend doesn't want the hassle.

Pay your own bank account with your credit card (via PayPal) and then pay her from your bank account?

You can't expect someone to set something up that they don't want too just because it's easier for you. Especially when it concerns money

I'd have assumed she had PayPal too. All my friends have it, we ping money to each other via it all the time when out for food/events etc.

If you have loads of friends with PayPal, why not send the money to one of them and then they can transfer the money to their bank acct and either withdraw cash/send to you/send direct to the friend you owe the money to.

Yeah but if you pay for the tickets on cc via PayPal it’ll be about the same cost no? Still borrowing the same amount

Thanks everyone for mostly not being nasty. I never thought I would be in this situation - until you have to buy an unexpected car and can’t move money out of long term savings accounts quickly enough then you might hopefully never find out!

I withdrew cash from my CC and paid her. Thanks for everyone pointing out that obviously the 28% cash advance interest rate is the annual rate. It will cost me much less.

I am really surprised the amount of people who don’t use PayPal! I can’t imagine giving my CC details to dozens of online retailers or my bank details to loads of friends/acquaintances/FB marketplace buyers.

But you can’t transfer money to anyone via Paypal unless they also have a PayPal account.

How do you have ‘money’ in pay pal, but not real money?

you’re trying to force someone to get a whole new pay system! If it was ‘easy’ then it would be easy to get money out.

just pay your friend.

You do realise from an online retailer perspective you have much better protection using your credit card than PayPal? And that applepay/google pay give you much better security than PayPal? And if I didn’t trust my friends with my bank account details then I’m not sure I’d want them as friends… I’ve always seen PayPal as one of those last resorts for those that don’t have other options, certainly since eBay dumped it. But maybe I’m wrong

I don't have PayPal and it would be difficult for me to set up because there is a historic account associated with my email address but in my ex husbands name. So, to set up a PayPal account I would need to create a new email address. It is unreasonable of you. Can you not just go overdrawn or transfer the money from your PayPal account to your bank account.