Either one is subject to fraud. For deposits, my credit union won’t credit my account until a certified check clears, same as a personal check. They’re both just fancy paper.Someone doesn't know the difference in a bank check vs personal check.
Question: what's the best payment method for online private gun sales?
- Thread starter BringHomeTheBacon
- Start date
- Status
vintovka
Member
- Joined
- Oct 26, 2020
- Messages
- 902
What carrier does shipmygun use????
CoalTrain49
Member
You can verify a cashiers check yourself if you want to ship ASAP.
If you can’t visit in person to trace a cashier’s check, independently confirm the phone number of the bank as listed on the check, then call the bank and ask to verify the check. All banks require these pieces of information to verify a cashier’s check:
I want a cashiers check so I can verify before I ship a firearm. It's always safer to sell than to buy. That's why I only buy from dealers if I can't do a FTF. It may cost a bit more but I've never been scammed using a dealer.
If you can’t visit in person to trace a cashier’s check, independently confirm the phone number of the bank as listed on the check, then call the bank and ask to verify the check. All banks require these pieces of information to verify a cashier’s check:
- Check number
- Name of the person who gave you the check
- Payment amount
I want a cashiers check so I can verify before I ship a firearm. It's always safer to sell than to buy. That's why I only buy from dealers if I can't do a FTF. It may cost a bit more but I've never been scammed using a dealer.
Last edited:
OP
OP
BringHomeTheBacon
member
So, far they have only issued me pre-paid shipping labels for UPS. It depends what kind of gun you are shipping (long gun, handgun), your FFL license status and the city you are in. I believe they try to find the best rates. As a non-FFL, I can't ship a handgun from the post office.
Will Munny
Member
- Joined
- Nov 12, 2021
- Messages
- 336
And yet people do it all the time.
Will Munny
Member
- Joined
- Nov 12, 2021
- Messages
- 336
I would not say there is no difference, Postal Money Orders have specific statutes about counterfeiting them, etc. The post office is not the same as a run of the mill private entity.
vintovka
Member
- Joined
- Oct 26, 2020
- Messages
- 902
To the tune of 30-60 bucks plus some ding credit scores.
whughett
Member
I’ve used PayPal direct friend/family to friend/family to email accounts.
To the OP. How would PayPal retrieve monies once transfer was complete and the monies deposited in your bank account. ? They were private sales however.
Personally IMO if they some how knew it was a gun transaction, beyond cancelling your account, what could they do. Mind you I have no monies deposited and beyond a few favorite Patron accounts I pay monthly nothing much else.
To the OP. How would PayPal retrieve monies once transfer was complete and the monies deposited in your bank account. ? They were private sales however.
Personally IMO if they some how knew it was a gun transaction, beyond cancelling your account, what could they do. Mind you I have no monies deposited and beyond a few favorite Patron accounts I pay monthly nothing much else.
Megawatt maker
Member
- Joined
- Nov 12, 2017
- Messages
- 699
If there is no money in your account..all they do is block you from using PP for a long time..8f not forever.
If there is money in your account...they put you through HELL to get it...takes MONTHS, phone calls, emails, threats...and I've heard even then, they find ways of not giving it all back to you...fees and Bullcrap like that.
I know folks personally this has happened to...this even after I told them about how Anti gun PP is...but some learn the hard way.
I never use PP...ever. Their Anti gun/anti 2nd is enough for me to take my business elsewhere.
dogtown tom
Member
And checks, no matter whether bank check or personal check have also specific statutes about counterfeiting, fraud, etc.
Again, mail fraud is mail fraud, doesn't matter one bit whether you mailed a personal check, bank check, money order or bubble gum wrappers. As a seller, having an easily verifiable means of determining the validity is important.
Which has nothing to do with anything. Comparing the customer service of a run of the mill branch bank vs the post office?
Give me the convenience of walking into a nice smelling bank vs a post office with a line to the door, government employees and a notoriously poor attitude.Ever try and get a refund on a USPS money order? I have twice. Never again.
*******And its not been mentioned, but if the seller says he's going to send a check/money order in a larger amount than the sale, and asks that you return the difference? He's a scammer.
dogtown tom
Member
I know several gun dealers who have had their PayPal accounts frozen with several thousand dollars involved. When you sign up for PayPal, Venmo, Square, etc you voluntarily agree to abide by their policies and their means of arbitration. If you violate their terms they can and do keep your $$$$ and you have no recourse.
dogtown tom
Member
Not for long.................https://www.nbcnews.com/business/bu...aft-fees-drop-bounced-check-penalty-rcna11869
Shawn Dodson
Member
- Joined
- Dec 28, 2002
- Messages
- 3,195
You can cash a USPS money order at the post office. No need to deposit it at your bank and wait for it to clear.
Roknstevo
Member
Don’t.....face to face. That is how I have operated for lo these many years....and it works.
UPS and Fed Ex do offer to pick up items from you.
Sign up for an account.........
I log onto my banking app and transfer the money directly from my account to the account of the seller.
If it is a large amount I would prefer to pay cash face to face.
I have paid via cheque in the past. It is a long process, I will tell the seller to wait until the funds have cleared before shipping the item.
I've even paid private sellers in the US with a UK cheque for accessories.
If it is a large amount I would prefer to pay cash face to face.
I have paid via cheque in the past. It is a long process, I will tell the seller to wait until the funds have cleared before shipping the item.
I've even paid private sellers in the US with a UK cheque for accessories.
OP
OP
BringHomeTheBacon
member
I don't ship enough guns, or anything else, to worry about that. They probably surcharge for that and there is no telling that I will even be home, not in the shower, not on the pot or not taking a nap when they come to the door. I doubt if that service is for picking up guns. If one runs a gun shop or FFL transfer business, that's different. Most of the things I ship are returns to online vendors. Most of the time they provide a prepaid shipping label for whatever carrier they chose.
OP
OP
BringHomeTheBacon
member
They might have to special order cash to cash it depending on the amount. You also have to stand in line. I had to stand in line at Navy FCU in Lawton, OK because their particular medieval ATM won't take money orders for deposit. Fort Sill CU in town is so medieval their ATM's won't even take ordinary checks for deposit. I switched to Navy because their ATM's take checks and cash and they don't ding you with as many surcharges as online transferring money out to another bank. Their face-to-face service inside, sucks, however. I only have to see them face-to-face to get a roll of quarters, deposit a money or or get something notarized. One time I brought in $1,100 in 20's to deposit. I wanted to count each and every bill out in front of the teller but the uppity _____ woman wanted to take the whole pile of loot and have her "machine" count it out. This was during COVID mask wearing at its peak two years ago and the uppity _____'s working inside were all anal about things. I do business the old-fashioned way when it comes to handling cash. I like each bill counted out one by one. I'm not sure I trust an ATM for cash deposits to count the bills correctly either UNLESS the machine gives me credit for bills that don't exist, IOW miscounts in MY favor.
Credit unions are often cheaper than banks to avoid fees but the customer service is a bit on the downside. Some people working at credit unions can be downright rude and arrogant to "members", not "customers". Mountain America CU in Boise, ID when I lived there was awesome, however. Always service with a sunny smile even to get something notarized. They were the gold standard for banking.
Lawton, Ok is a military town, Fort Sill. It's a real hillbilly town for 100K population if you ask me. Three Walmarts, one (pricey but very clean inside) Target and not a single bona fide chain supermarket save for the Commissary on post. I'm a Vet and have Commissary privileges.
Last edited:
The good thing about going to the PO to cash a MO is if it is a fake the PO can't deduct it from your account.
Some banks are real customer orientated, both banks I had in NJ,and WV had a counting machine for change.
One time I had 168 pounds of change (N,D,Q no pennies) $2,400.00, the second in WV (the jug wasn't full) $1,300.00.
Some banks are real customer orientated, both banks I had in NJ,and WV had a counting machine for change.
One time I had 168 pounds of change (N,D,Q no pennies) $2,400.00, the second in WV (the jug wasn't full) $1,300.00.
wiscoaster
Member
Of course there is. Credit cards. Either don't do business with sellers that don't take a card or resign yourself to the surcharge. Other than that your personal credit is smart, fast, convenient, secure and protects you from seller default. I don't know why such a big deal needs to be made of it.
vintovka
Member
- Joined
- Oct 26, 2020
- Messages
- 902
Why i don't and never will take personal checks. They are an archaic form of payment and i see many businesses that will not accept them anymore. Two major supermarkets here are scanning check writers drivers licenses and have special lines for cash or credit only. My bank charges a fee per check to print them and soon to use them. The time to write a check usually results in grumbling/comments by those in line at the checkout counter too.
redcon1
member
Agreed. Credit card is the way to go. I'll pay the 3.5% or whatever and chalk it up to the cost of doing business.
vintovka
Member
- Joined
- Oct 26, 2020
- Messages
- 902
If a seller takes CC's the 3.5 to 6% is usually already added to the items price. Usually the 6%. Why sellers profit from use of other forms of payment.
- Status
