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If you are considering PayPal Standard, then I'd encourage you to also consider Google Checkout.
Ah, I just remembered, we don't have pro in this country. That's probabaly why I am looking at standard.
I read in the other thread about google checkout can back out of payment without reason. That's scary.
Sometimes it just isn't right to give you a reason; e.g. that customer might have a history of chargebacks for transactions, could be ordering for and address known to be associated with stolen cards, etc. all of which are good reasons for rejection but certainly not appropriate to pass on to the retailer.
If your transaction does get rejected by the processor then it's down to you to either arrange other payment (direct deposit?) or to reject the order.
The above post is the one I am referring to. Sounds scary. Feel sorry for that guys who sells ebooks. That is going to be an issue if customers keep cancelling their order and I have already packed their goods.
I am a newbie, so I have to ask this question. A customer keys in his/hers credit card detail, paypal or google will verify the details, right? If the card is invalid or fake, it gets rejected, if it's legit, it's processed. Money is IMMEDIATE paid to a holding account which is held by paypal and next batch run, the money is available in my paypal account and ready for me to transfer into my bank account. Do I understand the process correctly?