Buyer Questions
When you buy from a seller using ProPay you know you're protected. That means
that you have the same built-in protections that you do with any credit-card
transaction.
- Why should I pay with ProPay?
- Do I need an account to pay someone who uses ProPay?
- Who pays the transaction fees?
- When should I dispute a charge?
- How do I dispute a charge?
- I have a ProPay Account, can I simply transfer funds to another
ProPay user?
1. Why should I pay with ProPay? When you use your credit card to buy from a seller using ProPay you know
you're protected. That means that you have the same built-in protections that
you do with any other credit-card transaction. Not all payment services afford
the same protections that ProPay does.
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2. Do I need an account to pay someone who uses ProPay?
No. All you need is a MasterCard® or Visa® branded credit or debit card, or a Discover® or American Express® branded card for merchants with higher level ProPay Accounts, to pay someone using ProPay.
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3. Who pays the transaction fees? The seller (the merchant) pays all transaction fees. The buyer pays no transaction
fees.
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4. When should I dispute a charge? You should only dispute a charge if:
- You never received the item you purchased, or
- The item you purchased was damaged when it arrived, or
- The item originally listed by the seller was different from the item you
received.
ProPay suggests that, even if you experience one of the problems listed above,
you contact the seller before initiating an immediate chargeback. The seller
is charged $15.00 for each chargeback and will, consequently, be motivated
to work out a settlement with you. Please note that when you dispute a charge,
it is not accepted automatically. If your reasons for a chargeback do not meet
the standards listed above, chances are that your dispute will not be successful.
Your options for recourse are designed to protect you from intentional fraud
on the part of the seller.
If you have trouble with a merchant who uses ProPay, you are welcome to contact
ProPay Customer Service where we will be happy to provide you with additional
contact information so that you can contact the merchant directly.
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5. How do I dispute a charge that was processed with ProPay? You can use the established dispute procedures that are already available
with your card service, as long as you are paying with a credit card. Generally
this involves contacting the card-issuing bank.
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6. I have a ProPay Account, can I simply transfer funds to
another ProPay user? Yes. With ProPay you may transfer funds to another ProPay Account. This is
an additional transfer option. Simply:
- Log in to your ProPay Account.
- Mouse over the Transfer Funds tab along the top.
- Select Transfer Funds -> To Another ProPay Account
- Follow the instructions and fill out your request.
It is not possible to cancel a ProPay-to-ProPay transfer, therefore please
be absolutely sure to enter the receiver's e-mail address correctly.
Click here to learn more about this transfer option.
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