[FAmSCo] Managing of transaction charges for reimbursements

[Neville A. Cross]

El 2015-01-04 09:17, Truong Anh. Tuan escribió:
> Hi all,
> 
> Managing transaction charges for reimbursements is a long time issue in
> APAC (and EMEA as well?).
> Currently, covering transaction charges by sender does not support when
> sending money via PayPal using Malaysia account (where Izhar, APAC CC
> holder located).
> 
> We are discussing it [1] and have some solutions at the last meeting 
> [2].
> 
> There are 3 solutions for covering transaction fees: 1) get US 
> accounts;
> 2) reimburse transaction fees on every reimbursement; and
> 3) pool transaction fees and file another ticket for reimbursement
> 
> For option #1 PayPal US account supports transaction fees covered by
> sender. It may be the best option. You know, CC holder currently keep 
> an
> US credit card to process for payments.
> A US phone number is required in order to open PayPal account. I think
> we can use an OSAS phone number or so.
> 
> We would like to solve the problem with PayPal first then do the same
> with WesternUnion (PayPal currently does not support some APAC 
> countries)
> 
> I would like to discuss this in FAmSCo first then propose it to FPL to
> decide the final solution (may be together with EMEA, if they also have
> to face the same issue)
> 
> Any ideas or comments?
> 

There is a limitation in the use of the Community Credit Card. It is the 
category of visitation card or something like that. So as Credit card 
holder I can not whidraw cash from an ATM to make a payment via wester 
union (or similar service).

US account means, paypal US account or bank US account? Mind that paypal 
uses geo-ip as a fraud prevention policy. I found out that I was not 
able to paid some services over paypal, geo-ip block because my personal 
paypal account is registered in Nicaragua, the recipient was in Mexico 
and I was trying to paid from Denmark. So, there is need of some 
exploration in this matter.

I have the same situation for LATAM. The fees are not equal for all 
cases. It vaiers from country to country, but also varies inthe same 
country from bank to bank. For instance in Perú to one contributor it 
only get paypal fees, but another the bank charges a extra fee like 
international transfer.

What I have been done is to add the amount that we have found out in the 
same transaction of reimbursement. Making a second transaction may incur 
in new transaction flat fees that some cases are aplied like for 
Argentina you have flat fee of USD 5.00 + 5.4% + USD 0.30. It does not 
make sense that I paid 5.30 extra to send 5.4%

It is a very complex situation. Maybe I am venting a bit of steam, but 
my intention is to explain the complexity and my current solution. I 
will love to simplify this, and I am open to suggestion.

Neville