Early on, I made a point of sending users a license and commenting on the fact 
that I was doing it even though there was an "uncleared e-check." The vast, 
vast majority of paypal users had no idea what this even meant.

After a while, I switched my strategy to treat echecks as purchases.  I have 
since cleared thousands of transactions and ever once had a fraudulent echeck 
purchase.

In my opinion, unless your business for some reason attracts eCheck fraud, or 
you issue products which for some reason cannot be reasonably revoked (i.e. 
invalidating a license in future update), it is a waste of time to treat echeck 
payments any differently from full-fledged payments.

Daniel

On Jan 14, 2010, at 10:57am, Martin Redington wrote:

> Hi all (and a happy new year!)
> 
> I use paypal for payment processing, mostly without issue.
> 
> Every once in a while (low single percentage figures) I get a paypal
> "echeque" payment. I've never looked at these from a user's
> perspective, but as a merchant, you get a callback from paypal for a
> transaction, marked as"pending" - i.e. not yet completed.
> 
> At some later point (typically 5 or so days), paypal sends you an
> email confirming that the cheque has cleared, and that you can now
> despatch the goods in question.
> 
> I usually issue the license at this point.
> 
> I was just wondering how other people handle these?
> 
> Do you issue a license at the time of purchase, or wait? Generally
> I've found that the payments almost always clear successfully,
> although in the case of the sale that prompted me to post this query,
> it turns out that the cheque has bounced!
> 
> cheers,
> m.
> 
> -- 
> http://www.mildmanneredindustries.com/
> 



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