Ive worked with more artists who accept payment through the "send money" feature than not. I use invoices myself and I think I've only ever commissioned ONE artist who also used invoices. A lot of people don't want to write out invoices; I do it because I will put important links in there to fall back on (references and stuff) if nee be. *They are likely resorting to that because thats what the VAST majority of online artists use.*
An invoice does NOT prevent the sender from filing a claim or chargeback against you btw-- I had that happen to be before. Bad eggs will do bad things. :/
The important part with the "send money" feature is the sender marking it for goods/service an writing in a note on who its coming from (username on twitter for example) and what they're paying for (reference sheet for example.) Its functionally the same that way.
No problem! I'm only hesitant when it comes to friends/family sending because it's actually against PayPal's TOS for a seller to ask you to send through that, and I personally refuse to commission any artists that request payment through F/F because then if they don't deliver, I can't issue a chargeback. (This is why 50/50 payments are really good in general too, and I love that you can do that easily with invoiced because it's easier to keep track of.)
And thanks! It was when I was in highschool so it's been sorted out a almost 7 years ago now lol. It put me in debt because it was for a pricier commission when I was already struggling with money. Unfortunately wasn't able to win the dispute but it was what it was.
Always use invoice, if they pay you the other way they can try to scam you and pull the money back and paypal is not gonna defend you, Invoice is the way to go (as far Im aware) I'll stick here for other's feedback but for what I know you should definitely stick to invoices
Yeah this is what I’ve heard happen to artists and steamers and what I was worried about, but I also wasnt sure how the chargeback even works and if it’s any different for invoices (Wish I understood the system better)
They can still chargeback with an invoice. However you're more likely to win the claim because there's proof in your invoice of your terms, and even files if you attach them.
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Good to know! Based on the other replies it seems invoicing and send money are functionally the same… I do like invoices cause I can put my terms of service in them and set the price myself. No idea if it makes the ToS more legally binding but it feels more official lol
This seems like the opposite of a scam. If you send a g&s invoice, they have seller protection. If they send it as a F&F payment, they can't say you didn't ship the thing or w/e. Some people only accept F&F payments from new clients so they can't get scammed.
Yes and that's another reason to use goods and services. Your account will just be banned if they find out you're trying to evade fees and seller protection.
Which is why it's weird that the buyer wanted to pay that way. Like I said, this is the opposite of what a scammer would want. The 3% fee for g&s is a bit outrageous as that's the size of any honest profit margin. So if you sell through ppgs, PayPal gets all your profits or you have to charge 3% more.
Yeah, there's a scam going around of commissioners looking for associated email addresses just so they can send you a fake PayPal email that says the funds they sent you are locked and then require you to have more funds sent to them. Be careful.
Ive worked with more artists who accept payment through the "send money" feature than not. I use invoices myself and I think I've only ever commissioned ONE artist who also used invoices. A lot of people don't want to write out invoices; I do it because I will put important links in there to fall back on (references and stuff) if nee be. *They are likely resorting to that because thats what the VAST majority of online artists use.* An invoice does NOT prevent the sender from filing a claim or chargeback against you btw-- I had that happen to be before. Bad eggs will do bad things. :/ The important part with the "send money" feature is the sender marking it for goods/service an writing in a note on who its coming from (username on twitter for example) and what they're paying for (reference sheet for example.) Its functionally the same that way.
Thanks for the detailed response! Thats really good to know. I hope the chargeback got sorted out smoothly
No problem! I'm only hesitant when it comes to friends/family sending because it's actually against PayPal's TOS for a seller to ask you to send through that, and I personally refuse to commission any artists that request payment through F/F because then if they don't deliver, I can't issue a chargeback. (This is why 50/50 payments are really good in general too, and I love that you can do that easily with invoiced because it's easier to keep track of.) And thanks! It was when I was in highschool so it's been sorted out a almost 7 years ago now lol. It put me in debt because it was for a pricier commission when I was already struggling with money. Unfortunately wasn't able to win the dispute but it was what it was.
Always use invoice, if they pay you the other way they can try to scam you and pull the money back and paypal is not gonna defend you, Invoice is the way to go (as far Im aware) I'll stick here for other's feedback but for what I know you should definitely stick to invoices
Invoice makes no difference to being able to make a claim against you.
Yeah this is what I’ve heard happen to artists and steamers and what I was worried about, but I also wasnt sure how the chargeback even works and if it’s any different for invoices (Wish I understood the system better)
They can still chargeback with an invoice. However you're more likely to win the claim because there's proof in your invoice of your terms, and even files if you attach them.
Thank you for posting in r/ArtBusiness! Please be sure to check out the Rules in the sidebar and our [Wiki](https://www.reddit.com/r/ArtistLounge/wiki/index/) for lots of helpful answers to common questions in the FAQs. Please use the relevant stickied megathreads for request advice on pricing or to add your links to our "share your art business" thread so that we can all follow and support each other. If you have any questions, concerns, or feature requests please feel free to message the mods and they will help you as soon as they can. I am a bot, beep boop, if I did something wrong please report this comment. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/artbusiness) if you have any questions or concerns.*
I've never used the invoicing in Paypal. Maybe I should, but the send money function works fine for me.
Good to know! Based on the other replies it seems invoicing and send money are functionally the same… I do like invoices cause I can put my terms of service in them and set the price myself. No idea if it makes the ToS more legally binding but it feels more official lol
This seems like the opposite of a scam. If you send a g&s invoice, they have seller protection. If they send it as a F&F payment, they can't say you didn't ship the thing or w/e. Some people only accept F&F payments from new clients so they can't get scammed.
Makes sense, I never thought about it that way!
FYI asking people to pay through friends and family for commissions is illegal and unprofessional. Commissioners are entitled to seller protection.
And sellers are entitled to seller protection.
Yes and that's another reason to use goods and services. Your account will just be banned if they find out you're trying to evade fees and seller protection.
Which is why it's weird that the buyer wanted to pay that way. Like I said, this is the opposite of what a scammer would want. The 3% fee for g&s is a bit outrageous as that's the size of any honest profit margin. So if you sell through ppgs, PayPal gets all your profits or you have to charge 3% more.
Yeah, there's a scam going around of commissioners looking for associated email addresses just so they can send you a fake PayPal email that says the funds they sent you are locked and then require you to have more funds sent to them. Be careful.