PayPal is the one that actually selects the account to draw from.
PayPal is the one that includes the feature where payments will silently be processed from a secondary source where they fail on your primary source (this is a very unusual feature for a payment processor, and not something the merchant has any control over)
PayPal is the one that displays to the user what their currently selected primary and secondary sources are
PayPal is the one that actually processes the payment.
PayPal is the one that created the feature to allow merchants to choose not to take PayPal credit
PayPal is the one that owns the PayPal credit service.
Unity is just a customer of PayPal and has to assume that all the above is handled correctly by PayPal and communicated properly by PayPal to the PayPal user. I fail to see how Unity has any responsibility in this situation.
Well, if he comes here and says: “I’m sad that Unity does not accept PayPal Credit Cards, is there any chance to change this?” or “Hey, I tried to use PayPal credit and something went wrong, what’s your experience with it?” - I wouldn’t be this trigger happy. But nowadays it seems Unity became the new Microsoft. If somewhere a three-legged sheep was born, Unity is responsible.
And since I actually tried what the OP stated and it worked for me, I guess something else was wrong.
On the top of this, you really should read the EULAs. If you do business, emotion shouldn’t be involved. I like Unity, I like what they’re doing, but I read every single character of their EULAs, I like to know what I get into.
And it would be beneficial for everyone if we all propagate this behavior, do not fly blind, read the contract you involve yourself. RTFE!
Just about every bank out there has some form of overdraft protection. Basically you link a secondary checking account, a savings account, or a credit card to the checking account and any potential overdrafts will first attempt to resolve through one of them before becoming an actual overdraft.
Absolutely, I do as well. But at least for mine, if enough of an overdraft occurs, there can still be a fee (just much more reasonable). And may God have mercy on your soul if the overdrafts happen when your linked account is at the credit limit. That happened to me once. Very frustrated. But can only blame myself for it.
That would be relevant if the OP was asking whether they could sue Unity, or demanding that Unity compensate them, but this (the thread) is basically a negative review (may or may not be a fair one, depends whether it really was Unity or Paypal at fault), and those are orthogonal to EULAs.
If I go to a restaurant and the food is crappy and bland (but not unsafe to eat), then nothing illegal has occurred - the restaurant made no guarantee that I would enjoy their food. Does that mean I can’t write a negative review of said restaurant?
Nope. If you go to the restaurant and you failed to ask/read if the restaurant accept your credit or debit card, it is your fault. The restaurant made no guarantee that they accept every single credit and debit card. It is your responsibility to check it.
Why would it be different when it comes to online shopping?
Oh, and then when you had to give them your last cents from your pocket, you stand in the middle of the restaurant and start to loudly criticize them because you have failed to check if you can pay beforehand. This is happening here.
EULA doesn’t mean anything, the law does, if unity says in the EULA that they will kill your first born if you cant pay the monthly it doesn’t matter, it’s the law that comes first, so it’s actually better to know the law than read the EULA.
It’s important for companies to accept feedback. It is very reasonable and possible for one to make a mistake, even if the mistake was avoidable had they sought out every word on every page in a web application.
This is all part of website and product design. Most mistakes can be avoided by reading all of the fine print. Some mistakes are avoided by common sense. But that doesn’t mean that a customer can’t tell the product maker that they had a negative experience. Maybe the customer complains and accuses the company of making a mistake, even though the customer is ultimately at fault. But then, the company realizes, “we could make this simpler, and prevent others from making that same mistake if we move the instructions to a more prominent place, or re-emphasize our instructions.”
“This restaurant doesn’t accept credit cards” is a totally valid thing to put in a review, and in fact is something I’ve seen many times in reviews. Again - legal is not the same as good. If someone charges $10 for a bunch of great models, and someone else charges $100 for a single poorly-made one, those are both 100% legal, but one is obviously a better value than the other, and should get higher reviews.
I am confused…did the OP have a credit line with Paypal or did he have credit from selling items that he was using to pay.
I once did almost the exact same thing. I went to Paypal and changed to our business card so the money would come from there and instead, it came from our personal account. Both our personal account and our business account had money so that was not the problem. So I ended up paying for an asset with the wrong card. It was weird…the dot just moved quickly, before I could change it from one account to the other.
Fortunately, we could just move money over so not a big deal.
Did the OP use his line of credit/Paypal credit card for Unity Plus payments every month? It could be that Paypal does not extend payments to for virtual goods because it is impossible to return such items. I do not know, just a guess.
A Paypal credit card sounds dangerous to me. lol Imagine the shoes I could buy!
Be that as it may, the OP isn’t complaining that Unity or PayPal acted illegally, or that there was deception or negligence or anything of the kind. They’re sharing the details of a bad user experience and the impact it has had on them. They’ve explained why they expected things to work in a certain way, what happened that was counter to their expectations, and the impact that has had on them.
That’s pretty useful feedback to get, if you ask me. I love it when people give me that kind of feedback on the systems I work on.
Plus, per the OPs explicitly stated intentions, I’m now better informed about what will happen if I choose PayPal when purchasing from Unity.
@CaptainStardog asked about this and was told Unity choose not to accept that form of payment, here .
Edit: For what it’s worth, once I’ve selected PayPal and am going through the PayPal part of the payment process, I expect everything to be strictly between PayPal and myself. I certainly don’t expect the store I’m purchasing from to be able to dictate what options are available. Now, I’m no financial transactions expert, so maybe there’s good reason that this can happen, but certainly someone should make it clear when that’s the case rather than just dropping whole screens that users may reasonably expect to be present.
It isn’t just about ticking legal boxes, it’s about meeting reasonable customer expectations.
I’ve personally always been skeptical of giving pay pal direct access to my bank account. Looks like it will stay that way for the foreseeable future.
Me too. When it comes to managing cash flow, timing is as important as the absolute amount. This is true if you are running a household or if you are running a billion dollar corporation. Paying in cash when you intended to pay on credit can really mess things up.
It takes several days to transfer and is expensive though, well for international payments at least. Sometimes I need a very small task fixed like rigging a small skinned mesh or something. Only costs maybe 20 USD, a IBAN transfer would add more than 50% on that
PayPal is best used as an intermediary bank. I almost always make an online purchase through them rather than directly with my bank card since it’s far easier to control and limit purchases through them than it is through my actual bank and I’ve had no problems whatsoever reversing charges with them.
PayPal’s cash back when using their business debit is a nice bonus too.
