Are you having problems with your Paypal Access MasterCard?
I have started to refer to mine as the “no access” card. Rather often I am getting ‘transaction declined’ notices for no clear reason. Who needs a debit card that is unreliable?
If you have a Paypal Access Mastercard (PrePay Solutions), do PLEASE be aware that it wont always work and you must always have back up funds on you! Never rely on this card for subscriptions to anything, either.
A few days ago, my Paypal Master Card was declined (again) in Morrisons supermarket (which isn’t very cool because it makes you look like a skint member) but this time, they took they money from the Paypal account! It took a call to the dratted pay-per-minute 0845 505 8801 number to get a refund in progress. It seems I was lucky that I didn’t have to fight for it, reading the net it seems that many people out there are having much worse experiences.
Here are some comments from the eBay user forums:
Paypal access card robbed me!
Several payments ‘declined’ recently only for second payment to go through OK – and then find TWO payments have been taken!! Today is last straw – tried to withdraw £200 from cash machine – to be told to ‘contact card provider as we cannot process your request’ and card (but no money) returned – YUP – money gone from paypal – but I dont have the cash!! Tried to phone but they are not there (bank holiday). Where’s my 200 quid? will I ever get it back?
WARNING! Beware if you are using a Paypal access card
There has been an ongoing problem with Paypal access card where payments are being declined at the first payment attempt and then working on the second attempt.
Both payments are then being taken from your paypal account.
Over the last week or so we have had around £100 in duplicate payments taken from our account.
The only way to get it back is to either wait for 10 days until it is clear to them that only one payment is going to be taken, or to ask the payee to email access card support to confirm that they will only be claiming one payment or to scan both the decline slip and the payment receipt and email them to access card support and hope that a supervisor uses some common sense and refunds one of the payment within 24 hours.
The fact that the payments are identical and less than a minute apart should be a big clue for them, but they say that is irrelevant.
I have spoken to two people at CS today and one said that the problem was with the tech team and the next said that it had been sorted, maybe they should try singing from the same hymn sheet for a change.
They also keep trying to blame the payees, but it’s been happening too often at too many different places for that to be the case.
I don’t suppose I should be too surprised really considering that Paypal is owned by eBay
I’ll warn everyone now, I’ve just attempted to make an online payment of £120 and it came up card not authorised but still took the money. Obviously I won’t give it the opportunity to double-charge me, and I won’t be using this card again. Back to withdrawing for me. Sick of it.
I’ve just called access card support about the £120 declined payment only to be told that unless we can get the payee to email them confirming that they will not be taking the payment we will have to wait ten days for a refund and she also said that they haven’t been given a timescale by the tech team as to when it might be resolved.
She did however say she would pass on my comments to her colleagues when I told her that I thought it had been dealt with very badly and that the least they could have done was to email their customers once they knew there was a problem instead of waiting until people called them because duplkicate payments had already happened.
I told her that I thought it was not really on that they were admitting that there was a problem at their end and yet we still had to wait ten days for them to sort it out.
I also politely told them where to shove their card.
Even those of you who haven’t so far had a problem beware, it doesn’t mean it won’t happen to you too, they have yet again confirmed to me on the phone that it is still a problem.
Clearly then, this is not an isolated incident. I have had quite a few ‘declined transactions’ but this is the first time they have taken the money. For the last three months of 2011 the card simply didnt work at all – anywhere. I had given up using it until I tried it on the off chance in January and it was working again.
When I called the ‘customer service’ today to get my money back that was taken as a result of the Morrisons ‘declined’ transaction, the woman told me it was an isolated incident (which I was kinda hoping she would). 😉
I then pointed out to her that I had done some Googling, and not only was this not an isolated incident, but it was a known technical problem with the Paypal Master Card (PrePay Solutions) system. She then admitted that um….. “some” people were experiencing this problem because the transaction simply times out before it is completed. Depending what stage it is at when it times out depends if money is taken from your account. Money that is stolen from you in this way should go back into your account in about ten days normally.
That’s all very jolly, but by running the risk of a transaction declining and immediately having it swiped from my Paypal account for ten days, I am simply lending Paypal money. I think Paypal have enough money already in frozen accounts of helpless users; they don’t need to borrow any of mine!
So, the Paypal Access MasterCard debit card. Jolly useful when it actually works, but cannot be relied upon as it simply isn’t reliable enough. I think I shall refrain from using mine from now on and revert back to transferring the money to the bank instead.
What are your experiences with the Paypal MasterCard? Tell us using the comment box below.