Delayed Payment Problem - How To Handle?

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Steven Wagenheim
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I have a problem that I've never had in 8 years of doing this and don't know
how to handle it?

I have an offer out there that is for 25 slots and then it closes.

I am using RAP to control the sales process.

Well, a couple of sales have come in via e-check.

RAP does NOT count them as sales yet.

Here's the problem.

There are X number left according to RAP. When those are sold, the
e-check payments probably still won't have cleared.

I will have no choice but to cancel them as I am not willing to go back
on my word of only 25 will be sold.

Is there a way to get the RAP system to recognize the e-checks and
count them as sales or will I have to bite the bullet and refund those
payments?

Any help on this matter will be greatly appreciated.
#delayed #handle #payment #problem
  • Profile picture of the author davewebsmith
    davewebsmith
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    Steven, Id love to help - can you tell me what "RAP system" is
  • Profile picture of the author Caleb Spilchen
    Caleb Spilchen
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    Why not close out at 23, and then when your e-checks clear you will have sold 25 copies?
    Automation

    What Steven wants is for RAP to know that it's sold out, without him having to go in and change things around. Plus, if he did that then RAP would probably screw up when the payment clears, because that is when the "IPN" for the full sale will come through. Which means, in my mind you could have issues processing the downloads.

    I like Steve, so I've looked through the RAP options for some way to do this, and can't really find anything. In the sales options, all you can really do is "delete" a sale. you can only import customers from 7DS which is kind of confusing.

    ---

    Wait, as I was writing this post, my genius came out... You could delete the sales for the e-checks, and when the person purchases, you could send them a `free discount` code so they could sign up to get in on the product. That would be the way for them to be imported, by letting them get to a sign up page without paying. I would assume rap counts that as a sale.

    Caleb
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  • Profile picture of the author Mike Baker
    Mike Baker
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    I don't know anything about RAP, but I would personally just ad a clause to your sales page that you don't accept e-checks.
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    • Profile picture of the author Caleb Spilchen
      Caleb Spilchen
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      Originally Posted by mikescos View Post

      I don't know anything about RAP, but I would personally just ad a clause to your sales page that you don't accept e-checks.
      But, if he`s selling an expensive product, and someone doesn`t have a CC, how are they to purchase...

      Caleb
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      Canadian Expat Living in Medellin, Colombia

      • Profile picture of the author Kay King
        Kay King
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        I will have no choice but to cancel them as I am not willing to go back on my word of only 25 will be sold.
        You can cut off at 23 as suggested above - but then if the echecks don't clear you are 2 people short. I get that. You could re-open for a short time to fill those spots. You could have a waiting list.

        However, would those joining/buying really care if there are 25 or 27? To me, sticking to "my word" at 25 loses some ethical balance if you cancel sales from those who did join in the first 25. If you didn't prohibit echecks in the first place, not fair to make it retroactive, is it?

        Don't you just love these little conundrums?

        kay
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      • Profile picture of the author Mike Baker
        Mike Baker
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        Originally Posted by Caleb Spilchen View Post

        But, if he`s selling an expensive product, and someone doesn`t have a CC, how are they to purchase...

        Caleb
        With a bank account linked to their paypal account.
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        • Profile picture of the author Caleb Spilchen
          Caleb Spilchen
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          Originally Posted by mikescos View Post

          With a bank account linked to their paypal account.
          Yes,

          But then that would be an e-check. If your pulling the money from your bank account, it would be an e-check. In Canada, most of us don't have Visa Debit cards, so we can't get an instant payment {I just found out a couple months back, then one bank brought it in - not my bank though}

          Caleb
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          • Profile picture of the author Mike Baker
            Mike Baker
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            Originally Posted by Caleb Spilchen View Post

            Yes,

            But then that would be an e-check. If your pulling the money from your bank account, it would be an e-check. In Canada, most of us don't have Visa Debit cards, so we can't get an instant payment {I just found out a couple months back, then one bank brought it in - not my bank though}

            Caleb
            Just because Canada doesn't have Visa Debit Cards, doesn't mean the rest of the world doesn't!
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          • Profile picture of the author Efrain Hernandez
            Efrain Hernandez
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            Originally Posted by Caleb Spilchen View Post

            Yes,

            But then that would be an e-check. If your pulling the money from your bank account, it would be an e-check. In Canada, most of us don't have Visa Debit cards, so we can't get an instant payment {I just found out a couple months back, then one bank brought it in - not my bank though}

            Caleb
            That's inaccurate Caleb. An instant transfer from your bank account and an e-check are 2 different things.

            Here's an explanation of what an e-check is from paypal:

            An eCheck is a payment that you make directly from your bank account.

            Just like a regular check, it usually takes between 3 and 5 business days for an eCheck to clear and the money to appear in the recipient's PayPal account.
            An instant payment doesn't take 3-5 days to clear.
    • Profile picture of the author donhx
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      Originally Posted by mikescos View Post

      I don't know anything about RAP, but I would personally just ad a clause to your sales page that you don't accept e-checks.

      What processor are you using? Not sure, but think the PayPal TOS does not allow you to limit sales just because people use e-checks. Something to verify.
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      • Profile picture of the author Steven Wagenheim
        Steven Wagenheim
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        Originally Posted by donhx View Post

        What processor are you using? Not sure, but think the PayPal TOS does not allow you to limit sales just because people use e-checks. Something to verify.
        Um, since when it is against any TOS to limit how many of an item I sell?

        :confused::confused::confused:
        • Profile picture of the author Caleb Spilchen
          Caleb Spilchen
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          Originally Posted by Steven Wagenheim View Post

          Um, since when it is against any TOS to limit how many of an item I sell?

          :confused::confused::confused:
          Hey Steve,

          He meant

          What processor are you using? Not sure, but think the PayPal TOS does not allow you to limit sales just because people use e-checks. Something to verify.
          "Limit sales just because people use e-checks".. not number of sales, the payment method -- echeck.

          Caleb
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        • Profile picture of the author CDarklock
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          Originally Posted by Steven Wagenheim View Post

          Um, since when it is against any TOS to limit how many of an item I sell?
          He's saying it may be against PayPal's TOS to not accept e-checks.

          In reality, under your PayPal seller preferences, you can block e-check payment globally for non-eBay transactions. (You must accept e-checks for eBay transactions.)
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      • Profile picture of the author pjCheviot
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        Originally Posted by donhx View Post

        What processor are you using? Not sure, but think the PayPal TOS does not allow you to limit sales just because people use e-checks. Something to verify.
        You can block payments by echeck in your Paypal Profile - but NOT for ebay transactions.
      • Profile picture of the author Rob Howard
        Rob Howard
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        Originally Posted by donhx View Post

        What processor are you using? Not sure, but think the PayPal TOS does not allow you to limit sales just because people use e-checks. Something to verify.
        Actually, I believe paypal has an option to shut off the acceptance of echecks. I'm checking that now.

        Steven, as far as I know with rap - as soon as the check clears, paypal's IPN sends rap the confirmation and the sale pop's up.

        Perhaps Sid will pop in here and let us know.

        Rob
        • Profile picture of the author Steven Wagenheim
          Steven Wagenheim
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          Originally Posted by ccmusicman View Post

          Actually, I believe paypal has an option to shut off the acceptance of echecks. I'm checking that now.

          Steven, as far as I know with rap - as soon as the check clears, paypal's IPN sends rap the confirmation and the sale pop's up.

          Perhaps Sid will pop in here and let us know.

          Rob
          Yeah, I understand that the sale will probably pop up, but if I've already
          sold 25 before that happens, I don't want the sale to pop up. I don't
          want to support 27 of these or more depending on how many e-checks I
          get.
          • Profile picture of the author Rob Howard
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            Originally Posted by Steven Wagenheim View Post

            Yeah, I understand that the sale will probably pop up, but if I've already
            sold 25 before that happens, I don't want the sale to pop up. I don't
            want to support 27 of these or more depending on how many e-checks I
            get.
            Ok - so you're doing something that requires a lot more support. That makes sense.

            Yeah - you are sorta stuck in a conundrum here. You may have to do what Kay suggested and just cut it off at 23 and hope that those other 2 clear.

            Rob
  • Profile picture of the author cashcow
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    I think you can turn that off.. I'm not sure where but I have an option over at DPD (which interfaces with paypal) to not accept pending payments which I think an echeck is?

    I don't know if you can turn that off from within paypal or that is only something that can be done with their IPN.

    Anyway, it's also important to note that those people why pay with echeck probably have no idea that it takes 3 days to clear or that they have done something "different" so they think they have purchased one of the slots in your offer not realizing their check has not cleared. Not sure what you do about that though.

    Lee
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  • Profile picture of the author Caleb Spilchen
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    An instant payment doesn't take 3-5 days to clear.
    I said we don't have instant payment debit {I think the checking account might work for that though}, so it has to be an e-echeck if we're pulling from the bank. Not that they were the same thing,
    Caleb
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    • Profile picture of the author Mike Baker
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      Originally Posted by Caleb Spilchen View Post

      I said we don't have instant payment debit {I think the checking account might work for that though}, so it has to be an e-echeck if we're pulling from the bank. Not that they were the same thing,
      Caleb
      Dude, are purchasing the product or know of any other Canadians who are? Then stop acting like it's all about Canada. Not every country does thing the same way. As marketers we target the things that the US can offer as its the largest population of Information Products. So US citizens are able to make instant payments from their bank accounts to their paypal accounts, then that's what we presume other countries do too. Us Aussies have the ability to make instant payments to paypal, so there's another country.
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  • Profile picture of the author Tsnyder
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    Steven...

    It appears to me that if the number of sales is a strong
    ethical point for you then you'll have to cut it off at 23 and
    assume the risk of those two e-checks not clearing.

    Tsnyder
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    • Profile picture of the author Steven Wagenheim
      Steven Wagenheim
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      Originally Posted by Tsnyder View Post

      Steven...

      It appears to me that if the number of sales is a strong
      ethical point for you then you'll have to cut it off at 23 and
      assume the risk of those two e-checks not clearing.

      Tsnyder
      If the e-checks don't clear, I will then have to reopen the offer, which will
      be days from now.

      In the meantime, 2 people who might want to pay today without e-checks
      will miss out.

      Somehow, that just doesn't seem fair to me.
      • Profile picture of the author Tsnyder
        Tsnyder
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        Originally Posted by Steven Wagenheim View Post

        If the e-checks don't clear, I will then have to reopen the offer, which will
        be days from now.

        In the meantime, 2 people who might want to pay today without e-checks
        will miss out.

        Somehow, that just doesn't seem fair to me.
        Life is often unfair... that sucks! LOL

        You can either reopen the offer or proceed
        with the 23 buyers you have. Either way, you
        won't be missing any meals... that's my guess.

        Tsnyder
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      • Profile picture of the author cashcow
        cashcow
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        Originally Posted by Steven Wagenheim View Post

        If the e-checks don't clear, I will then have to reopen the offer, which will
        be days from now.

        In the meantime, 2 people who might want to pay today without e-checks
        will miss out.

        Somehow, that just doesn't seem fair to me.
        True, but it's not really fair to assume that the people who paid with echecks won't clear simply because they had to reach into their bank account to get the money, right?

        Although, having said that.... I will say that I have had a couple of incidents with echecks where the bank automatically charged back the funds without the buyer even knowing. Seems if they are not getting a physical product the bank takes a dim view. Hope that doesnt happen with yours though!
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  • Profile picture of the author globalpro
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    Steven,

    What RAP is doing is withholding access to the download page, which would normally be for a digital download.

    Normally with the e-check, if I remember correctly, the buyer will see the payment_timeout.html page (I have added info about an e-check and bank transfer to reflect this) teeling them there was/is a problem, to contact you. They will also get the RAP pending email, that tells them about the e-check problem, etc. (it can be customized in product Mngt => System emails).

    Once the e-check clears, PayPal will notify RAP and then the buyer will get the RAP download link email.

    As an option, and if you feel confident the e-check will clear and your slots will be filled, you could take and turn the 'product' off (check the 'site offline' box). What you would need to do, is take the soldout.html and rename it offline.html (look at the 2 different HTML pages to see what I mean). Then if someone comes to that page, they will see the 'sold out' info.

    Simple workaround. Hope it makes sense.

    Hit me up if you need any help with it.

    Thanks,

    John
    • Profile picture of the author Steven Wagenheim
      Steven Wagenheim
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      Originally Posted by globalpro View Post

      Steven,

      What RAP is doing is withholding access to the download page, which would normally be for a digital download.

      Normally with the e-check, if I remember correctly, the buyer will see the payment_timeout.html page (I have added info about an e-check and bank transfer to reflect this) teeling them there was/is a problem, to contact you. They will also get the RAP pending email, that tells them about the e-check problem, etc. (it can be customized in product Mngt => System emails).

      Once the e-check clears, PayPal will notify RAP and then the buyer will get the RAP download link email.

      As an option, and if you feel confident the e-check will clear and your slots will be filled, you could take and turn the 'product' off (check the 'site offline' box). What you would need to do, is take the soldout.html and rename it offline.html (look at the 2 different HTML pages to see what I mean). Then if someone comes to that page, they will see the 'sold out' info.

      Simple workaround. Hope it makes sense.

      Hit me up if you need any help with it.

      Thanks,

      John

      Yeah, makes sense. May be a moot point soon anyway as this thing is
      almost sold out.
  • Profile picture of the author Jesus Perez
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    Steve,

    It looks like Allen has the same problem.

    http://www.warriorforum.com/main-int...mn-things.html

    Looks like there is a way to stop eChecks altogether.

    My Account -> Profile -> Selling Preferences -> Payment Receiving Preferences ->

    Block the following payments:
    [x] Pay with eCheck for website and Smart Logo payments, or German bank transfer for all website payments except eBay. NOTE: You may not block eCheck payments on eBay.
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    • Profile picture of the author Sid Hale
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      Hey Steven,

      Paypal advises that you do NOT deliver goods until AFTER an eCheck clears. In essence, the sale is pending.

      It's nice that the potential customer was anxious enough to purchase NOW, because your seats were limited - but they were not able to complete the purchase until their payment cleared. Therefore, they aren't in the queue (nor do they take up a seat) until their payment is accepted by Paypal and credited to your account.

      As a couple of people have said, you can set your Paypal options so that eChecks are not accepted, but then you potentially miss that sale (a problem if you don't otherwise fill your seats).

      I think a better option is to leave the sale pending. If the payment clears before you fill your seats - GREAT!. If it clears AFTER you have filled your seats - you need to refund the customer. You can write them an apologetic note, and explain that, while there were seats available when they decided to purchase... their payment simply didn't clear in time.

      Put them on a priority notification list for the next time you put out a similar offer, or something to that effect - but there is really no reason you should feel bad about the fact that their funds were not immediately available.

      Analogy... My wife gets anxious when she finds something in the boutique that she wants, but doesn't have the money for. She will ask them to put the item on hold, but the best they will offer, is to hold the item till close of business the next day.

      It's just business.
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      • Profile picture of the author Steven Wagenheim
        Steven Wagenheim
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        Originally Posted by Sid Hale View Post

        Hey Steven,

        Paypal advises that you do NOT deliver goods until AFTER an eCheck clears. In essence, the sale is pending.

        It's nice that the potential customer was anxious enough to purchase NOW, because your seats were limited - but they were not able to complete the purchase until their payment cleared. Therefore, they aren't in the queue (nor do they take up a seat) until their payment is accepted by Paypal and credited to your account.

        As a couple of people have said, you can set your Paypal options so that eChecks are not accepted, but then you potentially miss that sale (a problem if you don't otherwise fill your seats).

        I think a better option is to leave the sale pending. If the payment clears before you fill your seats - GREAT!. If it clears AFTER you have filled your seats - you need to refund the customer. You can write them an apologetic note, and explain that, while there were seats available when they decided to purchase... their payment simply didn't clear in time.

        Put them on a priority notification list for the next time you put out a similar offer, or something to that effect - but there is really no reason you should feel bad about the fact that their funds were not immediately available.

        Analogy... My wife gets anxious when she finds something in the boutique that she wants, but doesn't have the money for. She will ask them to put the item on hold, but the best they will offer, is to hold the item till close of business the next day.

        It's just business.

        Thanks Sid. I'm really loving this system (more support requests are in)

        LOL.

        Sorry, big learning curve for me LOL.

        But I'm loving it. Most fun I've had in 8 years.
        • Profile picture of the author Cash Money Hosting
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          Or you could get RAP IPN modified to reduce stock on echeck payments.

          When you receive the echeck, the stock is changed. If the echeck doesnt clear, it will add the stock back, if it does clear, than allow for download access

          Im sure any programmer could do this for you. I would offer, but have to much on my plate ATM.
        • Profile picture of the author Rob Howard
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          Originally Posted by Steven Wagenheim View Post

          Thanks Sid. I'm really loving this system (more support requests are in)

          LOL.

          Sorry, big learning curve for me LOL.

          But I'm loving it. Most fun I've had in 8 years.
          Isn't it cool when you get a new toy (specifically software in this case) - as frustrating as it can be to learn, it can also be super fun.

          I just got ShopperPress for wordpress and I plan on putting all my products on a e-commerce page.

          That is going to take some trial/error - but I'm looking forward to getting my hands dirty.

          Rob
  • Profile picture of the author Cash Money Hosting
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    @ccmusicman

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