Poll: Do You Prefer to Use Paypal or Credit Card to Buy Online?


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I believe pretty much all of you have purchased at least one thing online in the past, right? And most of you probably purchase online regularly, be it goods on eBay, ebooks and courses or web hosting.

The question that I wanted to ask is: Do you prefer to use Paypal or credit card for those online purchases?

I know that one can also pay with a credit card via Paypal, but for this poll I am asking about using the funds on your Paypal account for the payment versus using your credit card directly in the payment form provided by the merchant on his website. Which one do you prefer?

Both options have pros and cons. Paypal is easier and quicker when you get the hang of it, and it also protects your credit card information. However, there are many people who complain about Paypal’s interface and people who had problems with their accounts over time.

Paying with a credit card enables you to charge back if you don’t get what you expected, and usually credit card companies offer good fraud protection. However, exposing your credit card information online has some risks as we all know.

Have your say in our poll, and do leave a comment if you want to share your experience or opinion on one of these payment methods.

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51 Responses to “Poll: Do You Prefer to Use Paypal or Credit Card to Buy Online?”

  • Pankaj

    I was going to buy something huge, so I was comparing Paypal and Credit Card charges and got that Paypal is cheaper in fee and safe too… so I am going with that. Thanks for the poll, I marked Paypal 🙂

  • Bryan Knight

    I’ve been using Paypal as a merchant and as a customer for years. Very few problems. Because of horror stories about Paypal freezing accounts, dipping into customers’ bank accounts and so on I opened a special bank account dedicated to Paypal funds. Still today I withdraw or spend those funds quickly….

  • stan

    I hate paypal. I ordered something from a menswear shop online and despite me not having a paypal account I made payment via their site. I found out the item I bought was no good so I sent it back for a refund. Now over a month later I’m still waiting for my refund and I’ve no idea how to get it. Paypal is terrible.

  • Chris

    Definitely NOT Paypal!!! They are true shylocks, just barely off this side of criminal (and that is, because they never actually had to stand in court and always got off with out of court settlements!)

    I am one of those who got severely burnt by PayPal because a crook decided to take my money and run, like you will read many stories about on the net. My case is actually fairly typical: If a crook decides to take your money and run, Paypal is going to do everything it can to NOT honor its protection obligation to you!

    Before that Paypal horror story, I didn’t ven know there was such a thing as a chargeback, as I had never been defrauded by any company before… My bank manager is the one who told me to do it, after learning I had had no result after 88 emails and more than 80 days!

    As you’ve probably read many times over, guess who Paypal went after? The very person whose money was stolen from in the first place!!!

    Sorry, but PayPal is a lawless, criminal organization intent of screwing anyone they can for money, and it’s about time they should be investigated by federal authorities!

    Credit Cards all the way, because when fraud happens, you are truly PROTECTED.

  • Kang Yudiono on Blogodolar

    I have both credit card and paypal. But, i prefer use paypal.

  • PayPal Accepted

    I’m using both, but I definitely prefer PayPal – for security and safety reasons.
    Most of the people I talk to feel the same.

  • Jan Middleton

    Tough, Tough one. PayPal just shut down someone’s account that said that he had “suspicious” activities associated with it.

    What? One of them was his WIFE who was paying him for something that she had bought from him.

  • Dave L

    if I’m buying a prefer Paypal because the fee is no problem (seller loses). I only use Paypal when I have funds in my account (balance payments).

  • Showfom

    Always use PayPal

  • Daniel Scocco

    @Marco, depends on your country.

  • Boerne Search

    Pay Pal, it gives you the option of using a CC 😉


  • Oliver

    I use both because I use Paypal for Ebay as it is easy to use and I use a credit card more for buying on other websites. I always thought Paypal was great till I had problems a while ago but it was sorted out in a few days which was good. For the moment I will always prefer using a credit card.

  • Marco


    I don’t have a credit card but I have my bank account. Can I use my bank account , through PayPal, to pay online transactions? And does paypal charges me for the payment i’ve done to the merchant?

  • How tall is

    I prefer Paypal.

  • Millard

    Paypal is much easier. I hate having to type in my CC number, and frequently get it wrong.

  • odtaa

    If you are from the UK then credit cards are safer as if you have a problem with the supplier and don’t get the goods or the goods are not up to standard then the credit card company has to sort the problem out.

    On one occasion I got taken in by being offered some free and sample software which I only had to pay the postage, $6. The sales pitch was over-hyped and what I ended up with was 4 CDs loaded with the standard freebies that you can download.

    In fact the con was clever in that the phone caller was ringing my wife, who was on the management committee of a local school and the offer was educational software, which was an area I was investigating as I’m a lecturer myself.

    Also in the box was around 30 bits of paper promoting different, dodgy products. So I chucked it all away and wrote it off as a bad experience.

    In the box was one sheet of paper that told me that I had a joined a software club. It was a couple of months before I noticed these charges coming onto my card.

    I contacted the credit card company. They had already received quite a few complaints about this company and although the process took a few weeks my money was refunded.

    PayPal’s dispute system will possibly sort out this kind of problem but you are dealing with an automated system, which you have to fight.

    I do sometimes buy software through Paypal, but I’m in the process at the moment of trying to get a refund from a software business and they are being awkward – ie I’ve got to make my case and they are playing games, such as responding to my request for a refund with a question, which when I reply they don’t respond to.

    So I wish I had bought the software through my credit card as it will be a lot tougher and lot longer getting the money back through Paypal.

  • V.C

    @ Daniel: I’m making money on the internet and advertisers pay men money via Paypal. The fee to recieve money is 3.4% of what you get.

  • Lee Ka Hoong

    I used to buy thing online using Paypal because I’ve yet to own a credit card, so my sending limit will be $1000 only. I applied for a credit card and still waiting for approval.

  • Daily Good Tips


  • Adrienne Knight

    When I was ripped off by Gary McCaffrey, Paypal investigated and had my stolen money returned to me within a few days. Very good, no fuss action.

  • Bill Bolmeier

    PayPal is so convenient but have I heard grumblings from sellers? How is it for people who sell stuff?

Comments are closed.