Power Sellers Unite

fastautosports · Joined: 23 Apr 2006 Posts: 344 Location: Jacksonville, FL

Here is my monthly contribution to PSU:

What is GUNPAL?

* Send Money to anyone with an email address.

* Easily pay for anything using the web.

* Sign-up is free, quick, and easy.

GUNPAL is an alternative to PayPal™ that does not discriminate based on the nature of your transaction, requiring only that the merchandise or services you purchase be legal. See our User Agreement and About Us for more.

Enjoy.... Check them out. I will be.

www.GunPal.com

My Disclaimer: I have no affiliation with these folks, just came across them researching some of my product lines.

I am curious as to if payment is immediate like PayPal. I do like the transparency I see so far with GunPal.

Tom

thisnthatguy · Joined: 09 Oct 2009 Posts: 185

Nice to see that they are also FDIC insured.

mojavelyn · Posted: Sun Feb 28, 2010 2:52 pm Post subject:

Yeah, most of their Board of Directors are attorneys and/are members of the NRA. We have added them to the line-up of accepting them as a direct payment method like PP, GCO but haven't had feedback yet from sellers who have used them. Or IF they have been used.

fastautosports · Joined: 23 Apr 2006 Posts: 344 Location: Jacksonville, FL

The gun auctions seem to have been using them and it appears that they now would like to expand.

Could be a viable option, especially since they are sending some of their profits to charities of user's choice.

thisnthatguy: They are FDIC insured as "pass through" just like PayPal. Not the same as if you had a regular bank account, but better than no insurance at all.

Since most initial users on GunPal are packing some heat, I am sure they must be more honest than PP & some of the other wannabes out there or they wouldn't have made it this far LOL :D :wink:

Tom

DaLizardsLair · Joined: 15 Feb 2009 Posts: 4782

I would suggest looking very closely at their User Agreement.

..5.4 Delivery Error and Nonconformities:

" You are responsible for any non-delivery, misdelivery, theft or other mistake or act in connection with the fulfillment and delivery of your goods or services"

A lot more than Paypal's non-receipt complaint.

"You are also responsible for any non-conformity or defect in, or any public or private recall of, any of your goods or services"

Yep, they allow buyers to file SNAD complaints, just as they do at eBay.

8. Buyer Protection

..8.2 What types of problems are covered?

"GUNPAL’s programs help you if you encounter either of these problems:

•Item Not Received (INR)
•Significantly Not as Described (SNAD)"

I have yet to find a seller who was happy with eBay's/Paypal's process in regards to buyers filing an SNAD complaint.

I can't for the life of me see why anyone would want a similar process to be used elsewhere, outside of eBay.

Perhaps you see it differently, but I believe that I will stick with Paypal.

Edited to make it more concise.

fastautosports · Joined: 23 Apr 2006 Posts: 344 Location: Jacksonville, FL

I am sure we can all read and make our own decisions. As MO pointed out earlier, there are quite of few lawyers on their Board.

The AUP is very similar to PayPal's.

-Tom

mojavelyn · Posted: Sun Feb 28, 2010 4:43 pm Post subject:

DaLizardsLair wrote (View Post): › docWrite("quote")I would suggest looking very closely at their User Agreement. I will warn you, that this is rather long.

Including...

Section 2: Your Payment Account.
..2.3 Account Balance

'You may hold monetary balances that you load or receive from other users in your Payment Account (your "Balance"). You are not required to maintain a Balance to use our Service. When you carry a Balance, your funds will be co-mingled and held with other participants' funds in one or more pooled accounts at one or more FDIC-insured banks by us on your behalf and for the benefit of you and other users holding balances (each a "Pooled Account"). As consideration for using the Service, you irrevocably assign to us all rights and legal interests to any interest and/or other earnings that may accrue or are attributable to our holding of your Balance in a Pooled Account or Reserve"

In other words, if you carry a balance, they will pool it and any interest earned on your money will go to them.
No different from any other banking system that makes money from OPM. I might be wrong, but I would believe PP does this to. Do you really think that each and every bank actually has ALL the monies on deposit actually on-hand? if so, citi and every other major bank would not have that withdrawal clause.

DaLizardsLair wrote (View Post): › docWrite("quote")
..2.4 Reserve

"We may require that you either maintain a minimum balance in your Payment Account or establish a separate reserve account (a "Reserve") to secure the performance of your payment obligations under this Agreement"

In other words, they may require that you have a minimum balance in your account. And PP is different how? You cannot spend more in your PP account then the funds available or have back-up funding in place. If your account goes into the neg, you will need to replace those funds immediately. Should you have a chargeback of some kind, the funds will need to be there.

DaLizardsLair wrote (View Post): › docWrite("quote")
3. Your Payment Transactions:

..3.4 Acceptable Use

"You will at all times adhere to all applicable laws, rules, and regulations applicable to your use of the Service, including without limitation our Acceptable Use Policy. Without limiting the foregoing, you may not act as a payment intermediary, aggregator or service bureau or otherwise resell the Service on behalf of any third party, including without limitation the handling, processing, and transmission of funds for any third party."

This may invalidate the use of dropshippers or selling for another party.
How?
DaLizardsLair wrote (View Post): › docWrite("quote")
5. freceiving Payment and Order Management:

..5.1.1 Charging to accept Gunpal.

"you may not charge any fees to accept GUNPAL"

..5.3 Order Processing

"We will process all payments and refunds for your transactions submitted through the Service. You are responsible for providing accurate and complete information for goods or services that you sell, including without limitation any product names or descriptions (including brand, model, dimension, weight, etc), UPC or product codes, product notices or disclaimers, prices, product availability or status, shipping and handling charges and tax rates (collectively, "Product Information"). You will route all order related payments through us and not make offline adjustment requests. For each order that you send to us, the Product Information must be the same as what was presented to the purchaser when placing the order. Our, or one of our Affiliates', name will appear on the customer's credit card statement (which may also display, at our option, your name). We will determine the time at which we process payments and refunds for your transactions."

In other words, you have to provide them with all of the details of the sale, then they will decide when they will process the payment or refund.

..5.4 Delivery Error and Nonconformities:

" You are responsible for any non-delivery, misdelivery, theft or other mistake or act in connection with the fulfillment and delivery of your goods or services"

A lot more than just Paypal's non-receipt complaint.

"You are also responsible for any non-conformity or defect in, or any public or private recall of, any of your goods or services"
got a news-flash... selling and shipping from online sales is the same as mail-order and follows the rules and regulations of the USPS regarding such. And when I was a kid, regardless of whose fault it was or may have been... delivery of mail order was the responsibility of the shipper. Its just too bad there are a lot of dishonest people out there on both sides of the fence. Sellers and buyers.

DaLizardsLair wrote (View Post): › docWrite("quote")
Yep, they allow buyers to file SNAD complaints, just as in the case of eBay.

..5.5 Refunds and Returns:

...5.5.1 Your Obligations

"You will accept and process returns of, and provide refunds and adjustments for, your goods or services in accordance with this Agreement"

No explanation needed

"you will calculate and refund any associated taxes required to be refunded. You will route all refund (and adjustment) payments through us. We or our designated Affiliate will credit the applicable account, and you will reimburse us for all amounts so refunded. We have no obligation to accept any returns of any of your goods or services."

..5.5.2 Credit Card Refunds

"For all Accounts, Association Rules require that you will (a) maintain a fair policy for the return or cancellation of merchandise or services and adjustment of Card sales,

if your refund policy prohibits returns or is unsatisfactory to the buyer, you may still receive a Chargeback relating to such sales"

..5.6 Customer Service

" you will be solely responsible for all customer service issues relating to your goods or services (including pricing, rebates, item information, availability, technical support, functionality and warranty), order fulfillment (including shipping and handling), order cancellation by you or customer, returns, refunds and adjustments, and feedback concerning experiences with your personnel, policies or processes. In performing customer service, you will always present yourself as a separate entity from us"

6. Withdrawals

..6.1 Personal and Business Accounts

"We may restrict access to funds in your Payment Account to the extent necessary for us to complete any pending investigation or resolve a pending dispute "

In other words, they may hold your money.

..6.3 Availability Of Funds

" In addition to any applicable account limits, we may restrict transactions to or from your Payment Account or limit access to funds in your Payment Account in such amounts and for such time as we reasonably deem necessary to protect us or other users if: (a) we are subject to financial risk, (b) you have violated any term of this Agreement, (c) any dispute exists involving your Payment Account or transaction to which you are a party, or (d) needed to protect the security of our systems. We may restrict access to funds in your Payment Account for the time that it takes for us to complete any pending investigation or resolve a pending dispute."

Part (a) is the part that gets me. They reserve the right to hold YOUR in case, THEY are having financial difficulties.

7. Chargebacks and Dispute Transactions

..7.2 Collection Rights

" For any transaction that results in a Chargeback, we may withhold the Chargeback amount in a Reserve. We may deduct the amount of any Chargeback and any associated fees, fines, or penalties listed in the Fee Schedule or assessed by the Association, our Processor, or processing financial institutions from your Payment Account (including without limitation any Reserve), any proceeds due to you, your Bank Account"

..7.4 Contesting Chargebacks

"You agree to assist us when requested, at your expense, to investigate any of your transactions processed through the Service.

8. Buyer Protection

..8.2 What types of problems are covered?

"GUNPAL’s programs help you if you encounter either of these problems:

•Item Not Received (INR)
•Significantly Not as Described (SNAD)"

Those are the main points I found when looking at this agreement.

I believe that I will continue to stick with Paypal.

mojavelyn · Posted: Sun Feb 28, 2010 5:27 pm Post subject:

I would suggest comparing that section to matching section to PayPal or RME or GCO.

DaLizardsLair · Joined: 15 Feb 2009 Posts: 4782

Quote: › docWrite("quote")The AUP is very similar to PayPal's.

If you are wanting to compare it to Paypal within eBay, perhaps.

Outside of eBay, the two are quite different. There is no SNAD complaint outside of eBay, for one thing.

There is with GunPay.

And that is one of the biggest areas of concern for sellers on eBay. Buyer's able to file SNAD complaints for any and every reason they can think of.

GunPay has simply taken that problem and offered it to buyers everywhere.

Reason enough to avoid using it.

mojavelyn · Posted: Sun Feb 28, 2010 6:52 pm Post subject:

Yeah, but ebay owns PP... and A group of lawyers and gunowners own Gunpal. PayPal/ebay doesn't care if anyone outside of ebay is SNAD or not.

The face of onlines sales is changing.

elgato · Joined: 24 Feb 2005 Posts: 16923 Location: Texas

Thanks for the heads up Tom!

"GunPal CEO Arrested for Impersonating a Police Officer"
more.. link to news article

mojavelyn · Posted: Sun Feb 28, 2010 10:31 pm Post subject:

Adn he has stepped down...

http://www.calguns.net/calgunforum/showthread.php?t=269770

DaLizardsLair · Joined: 15 Feb 2009 Posts: 4782

Quote: › docWrite("quote")A group of lawyers and gunowners own Gunpal

A group of lawyers and gunowners are politicians, serving in both Congress and the Presidency.

Do you trust them?