Published on June 19, 2010
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How would you rather pay for an online service?

Option A Option B

Credit (Visa, American Express, Mastercard, Discover, etc.) or Debit Card

PayPal

Survey says: B! (104 of 200 answers)

A: 93 votes - 47% B: 104 votes - 53%
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Comments Comments
A1. I'm not familiar with paypal and it seems like alot of hassle. Plus I earn rewards wth my other cards.
A2. no account maintenance is required only simple card number and its done
A3. I don't like Paypal. I know people who Paypal has mistreated and so I don't trust it.
A4. No direct refund with Paypal.
A5. PayPal isn't always as convenient and the plain ole credit card
A6. As long as information is secure, I don't mind using a card, it seems more versatile
A7. There are more otions in Option A, and I already have several types of these cards, whereas I would need to set up a PayPal account
A8. Its easier and faster
A9. I already have a credit/debit card, and most of those companies are more well known than PayPal.
A10. ITS MOER SECURE THAN PAYPAL AND ACCEPTED AT ALL MERCHANTS
A11. ACCEPTED BY MOJAR MERCHANTS THAN PAYPAL
A12. I don't actually mind using either service but using my debit card requires one less middle man.
A13. ACCEPTED BY MAJOR MERCHANTS
A14. I've had past problems with PayPal. Visa seems to be more widely used and less hassles.
A15. I've known a few people that have really negative experience with PayPal that make me rather cautious of using it. If I use a credit card it is easier to resolve issues in case something goes wrong.
A16. You don't have to create a seperate account like you would have to for paypal.
A17. No particular reason other than I am more used to using my Visa card.
A18. good
A19. I usuall pay with Debit or Credit Card only.
A20. As it is difficult to create paypal account .
A21. dont trust the site
A22. Paypal just takes it frm my checking account anyway, so using my debit card eliminates an extra middlee man.
A23. check
A24. Credit and Debit cards are better because of better customer support.
A25. My choice is option A because it gives the name of all the credit cards thus avoiding any confusion.
A26. good
A27. That's what I am used to using.
A28. I have been paying for online services through my Visa card for many years now, and from what I've heard about PayPal from my friends, I don't trust it.
A29. get frequent flyer miles by using credit card
A30. I have complete control of my credit and/or debit cards.
A31. Paypal always seems to have extra charges. I don't have such charges with credit/debit cards.
A32. Easier to transfer.
A33. I have no PayPal account
A34. I think it gives me more protection
A35. I get cash back
A36. Credit cards back up purchase immediately if there is a problem
A37. It's just much easier.
A38. I have the resources of the credit card company to fight for me.
A39. i've never used paypal, i like the credit cards fine. plus i get cash back from my credit cards.
A40. You don't have to create a seperate account like you would have to for paypal.
A41. It's a lot simpler. Paypal is a real hassle.
A42. I like credit cards better because you get cash back and other rewards.
A43. Paypal is not as good with chargebacks if the product or service is not what was promised. I have had better luck with my credit card.
A44. I would generally rather use a credit card, for a higher level of protection.
A45. I've had bad experiences with PayPal in the past, so I would never use them again. Also, credit cards have additional safegaurds under the law, including limitations on losses due to fraud.
A46. I don't like being tied to paypal when I can use my cc directly
A47. A
A48. easy way to get money
A49. While I was formally a fan, I really dislike what Ebay has done with Paypal and their fee schedule in recent months. At least with the Credit Card companies, you can get someone to respond to complaints, while Ebay/Paypal tends to ignore you.
A50. because money will directly reduce from my account.
A51. If I have a problem, I can go to the credit card company directly. If Paypal is involved, the credit card company may blame paypal, paypal would blame the credit card company and I would never get my issue resolved.
A52. The peace of mind and protection included in most credit cards with respect to online purchases used with that card
A53. A is good and best,give more information.
A54. If I were to use PayPal, I'd have to log in to PayPal's website and transfer funds into my PayPal account; it would be easier to use a card.
A55. A is better as it is easy to reach and its with you always. B is a new process which needs to be understood and I am not sure if there are any advantages.
A56. Easier
A57. Although I like to use paypal for some transactions, I prefer to pay for online services with a credit card. My credit cards provide assurances if there are any problems with the goods or services. However, the bottom line is that I am a creature of habit and I've always used a credit card to pay for services. Old habits are hard to break.
A58. I have paid with PayPal in the past and encountered problems when my item was not shipped. I will pay with PayPal if I am on a time restraint or credit is not accepted.
A59. PayPal is extra work.
A60. I think paypal is too much work
A61. too much hassle to use paypal
A62. paypal is anti-gun
A63. Because of the rewards system (typically 1% back in cash or bonus)
A64. trust
A65. Don't have or want a PayPal account
A66. Its very secured, known by many people and accepted at all places
A67. good
A68. good
A69. good
A70. Lower fees
A71. Its simpler and doesn't require creating an additional account and confirming your bank account etc.
A72. It feels more like a direct payment with a debit card.
A73. Credit cards offer better fraud protection. I don't really trust Paypal.
A74. Transaction fees.
A75. Its flexibility in payments options and aslo for buying products
A76. PayPal just adds another middleman to the purchase.
A77. I don't keep a balance in my Paypal account and they just end up taking it out of my bank anyway. I would only use PAYPAL if I did not trust the site i was buying from [and then why would I buy from it?]
A78. Not logging into paypal account and item can be disputed if needed.
A79. Because transcation can be tracked backed when fraud was done.
A80. trust credit or debit cards more. feel you have a better back up with them over paypal.
A81. Mostly peoples was handled debit card.
A82. A
A83. easy to get money and shop so many things
A84. it is more secure and user-friendly
A85. I've had problems with PayPal in the past.
A86. I get reward points, cash back, and piece of mind. The only time I bought something online and didn't get it, Paypal took a month to tell me that I was right, but the seller account was overdrawn and they couldn't help me. Visa all the way!
A87. This is more simple and can be checked online for the status of the payment
A88. i like this option B, because iam having Debit card it is very useful
A89. i will choose option a.Because option b is better than a.
A90. I hate using credit cards too, but I feel that PayPal is more trouble than it's worth, & rarely make online purchases, so I would rather just use a credit card when I must make an online purchase.
A91. Paypal sucks and is more complicated.
A92. It is easier to track my expenses when they are all on one account.
A93. because i could save my money and i can use for credit cards only
B1. good
B2. paypal is trustworthy and i would rather they collect fees instead of these crappy credit card companies
B3. Paypal requires less info than credit or debit card when I purchase online
B4. no need to worry about credit limit or repayment
B5. It's much easier and more secure to use a single online payment option.
B6. I feel more secure using PayPal
B7. PayPal can be attached to any card and if you get a new or different card you can easily switch it.
B8. I'm uncomfortable paying by credit card because sometimes there are subscriptions tacked on.
B9. Love paypal and its esy to use
B10. PayPal seems safer and you're paying with money you actually have instead of on credit.
B11. I feel safer using paypal on the internet.
B12. Paypal approval of internet payments is more trouble-free.
B13. just for answer this question
B14. Because it is very easy .
B15. I feel it is safier to pay with PayPal than using a credit card.
B16. They are more safe than credit card to be used on internet.
B17. Paypal seems more secure and does not directly expose my personal banking or credit card information.
B18. Paypal is a good money trasactional agent
B19. simpler
B20. PayPal seems like it would be more secure and would keep your info on hand so it'd be easy to check out at different company websites.
B21. Better security: I don't have to disclose my credit card number to an unknown vendor.
B22. its i feel very security for money
B23. i like this
B24. yes i have paypal account.
B25. It is safer to use paypal
B26. Worried about internet security and putting out my credit card details online. I am more comfortable with paypal as it minimizes the risk
B27. PayPal is easy to understand and easy to activate
B28. Option B pay for an online service
B29. more secure
B30. My PayPal is linked to my CC and I don't have to dig out my card number to purchase with it.
B31. People come my door step and collect
B32. Pay Pal is easier to track my money.
B33. it is easy hassle free
B34. Pay Pal is an excellent way to pay I use it.
B35. I like Paypal because it doesn't require me to give a vendor my credit card number or enter it online. I feel like using Paypal is more secure.
B36. Paypal is easier and safer and quicker I think
B37. BECAUSE ITS GOOD AND SAFE
B38. I feel like I have an extra layer of protection from possible identity fraud going through PayPal.
B39. credit card theft
B40. PayPal is more safe.
B41. easy no hassles
B42. I am much more comfortable with PayPal's security.
B43. I use my paypal account for things I do online.
B44. I get a lot of money through Paypal through online surveys.
B45. Keeps my personal info. personal
B46. Much safer and secure. I use ebay a lot so it makes life easier.
B47. It is safety for money
B48. option B is very rather pay for an online service
B49. much easier to use
B50. my info is already on paypal
B51. I have money in my PayPal
B52. PAYPAL IS A SAFER CHOICE
B53. it's very easy.
B54. Because I won't have to enter my personal information everytime I buy something online.
B55. I feel that paypal is safer.
B56. PayPal is safer
B57. it is easy payment transfer and it is secured server
B58. PayPal is a better choice since you do not reveal your credi/debit card detils to the online merchant/service provider.
B59. PayPal is the faster, safer way to pay online.
B60. Paypal is more secure and I use it every day
B61. payment does not require creating debt as paypal comes from checking account
B62. simple and best
B63. i like it
B64. I think paypal is much safe to pay online.
B65. as it is easy to create a paypal account.
B66. I feel much safer paying with Paypal.
B67. I like paypal because there is no need to take out your card and enter the data when you sign up or make a purchase.
B68. I'd rather not give out my credit card number if I can help it.
B69. Paypal seems to be the safest way and has the least hassle when it comes to fraud protection.
B70. PayPal is secure, and it allows you to withdraw from a bank account like a debit card.
B71. Because, Paypal does not charge me for using their services.
B72. Less likely that my credit card information would be stolen.
B73. I don't like to give my credit card info online
B74. i found It is more easy to transfer.Security is also more.
B75. It's very good and safe service.So i have chosen this.
B76. paypal is fastest service and safe sevice for paying money online rather than visa.
B77. PayPal is much safer than all other methods of online paying.
B78. It is safer because I do not need to enter my credit card information.
B79. Paypal seems safer because it does not allow the other party to know your personal information.
B80. I dont like giving my credit card number out
B81. good
B82. good
B83. good
B84. For my protection using a well known third party is preferred.
B85. Is more easy and faster way!!
B86. Just username and password so quick and easy
B87. It just feels safer
B88. I think paypal is a safe and very easy way to make payments
B89. most realiable service is paypal and very easy
B90. good
B91. Paypal is easy to use and accepted in many sites.
B92. If your paypal account information is compromised you dont have to worry about bad credit reports.
B93. I dont have a credit card.I only shop through paypal
B94. Paypal account seems to be safe and secured. Also quick in transaction.
B95. good services and very comortable
B96. PayPal is much more simple, as you can access multiple credit/debit cards in one simple step.
B97. less chance of a rip off.
B98. I will choose option b.Because option b is better than a.
B99. cash basis, no further debt is driven by the use of credit
B100. It is more useful for an online service.
B101. It is more useful for an online service.
B102. Having Paypal account is easy to pay. Credit or debit card require more info when make the purchase.
B103. more secure
B104. I feel like it's more secure

Who responded to your question?

A Votes by demographic segment B
Gender
46%
 
Male (113)
53%
48%
 
Female (84)
51%
Age
50%
 
3-17 (2)
50%
45%
 
18-34 (135)
54%
52%
 
35-49 (40)
47%
50%
 
50+ (20)
50%
Ethnicity
50%
 
White (100)
50%
54%
 
Black (11)
45%
42%
 
Asian (73)
57%
25%
 
Hispanic (4)
75%
55%
 
Other (9)
44%
Education
55%
 
High School (18)
44%
46%
 
College (134)
53%
47%
 
Grad School (44)
52%
Income
43%
 
$0-30k (94)
56%
43%
 
$30-60k (60)
56%
62%
 
$60-100k (29)
37%
53%
 
$100k+ (13)
46%
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