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General discussion (archive)Additional funds with paysafecard?(24 posts)(24 posts)
(24 posts)
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Posted March 20, 2014
Hi,

I have a question about the payment with paysafecard.
I just wanted to purchase a game for 5.99 $. As I am living in Germany the price will be calculated in Euro as purchasing with paysafecard.
The official calculator of the paysafecard homepage says that 5.99 $ will be charged with 4.25 €. It says that the additional exchange fees of 0.12 $ are already calculated. My paysafecard has 4.28 € left. So it should be enough and 0.03 € should remain.
But during the payment it says that I have not enough money left. on the paysafecard. Unfortunately it only shows the needed amount in US-Dollar (5.99 $).

I am very curious how to explain the discrepancy ;)

Greetings,
Sebastian
Posted March 20, 2014
Maybe they apply some buffer for exchange rate movement between transaction date and finall settlement date? Thats what the do with my debit card.
Posted March 20, 2014
try checking the actual funds on the card at the paysafecard website
Posted March 20, 2014
avatar
Sebastian1982: The official calculator of the paysafecard homepage says that 5.99 $ will be charged with 4.25 €. It says that the additional exchange fees of 0.12 $ are already calculated. My paysafecard has 4.28 € left. So it should be enough and 0.03 € should remain.
Just went to the site and tried it in the calculator converting 4,28 Euro to dollars. It gave me this:

"Der Betrag von 4.28 Euro (EUR) entspricht aktuell 5.75 US Dollar (USD) .
Die Gebühren von 0.09 Euro (EUR) sind bereits berücksichtigt.
Bei Bezahlung in dieser Währung werden aktuell
2.00% Fremdwährungsgebühren verrechnet."


Oddly enough, converting the 5.99 Dollars to Euro gives me this:

"Der Betrag von 5.99 US Dollar (USD) entspricht aktuell 4.25 Euro (EUR) .
Die Gebühren von 0.12 US Dollar (USD) sind bereits berücksichtigt.
Bei Bezahlung in dieser Währung werden aktuell
2.00% Fremdwährungsgebühren verrechnet."

Seems like the issue lies with paysafecard, not GOG.
Posted March 20, 2014
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tburger: Maybe they apply some buffer for exchange rate movement between transaction date and finall settlement date? Thats what the do with my debit card.
It's common for companies to place a hold on the credit to cover the amount. It gets kind of annoying sometimes when a gas station will place a hold of $50 on the card and until that's removed you lose that amount of credit.

It wouldn't surprise me if they placed a hold there that was slightly higher than the amount they're charging for one reason for another. But, it could be something else, GOG is usually pretty good about not doing obnoxious things like that.
Posted March 20, 2014
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hedwards: snip
I don't think it's on GOG's side - my suspicions go rather for bank & settlement companies.
Posted March 20, 2014
avatar
Sebastian1982: Hi,

I have a question about the payment with paysafecard.
I just wanted to purchase a game for 5.99 $. As I am living in Germany the price will be calculated in Euro as purchasing with paysafecard.
The official calculator of the paysafecard homepage says that 5.99 $ will be charged with 4.25 €. It says that the additional exchange fees of 0.12 $ are already calculated. My paysafecard has 4.28 € left. So it should be enough and 0.03 € should remain.
But during the payment it says that I have not enough money left. on the paysafecard. Unfortunately it only shows the needed amount in US-Dollar (5.99 $).

I am very curious how to explain the discrepancy ;)

Greetings,
Sebastian
OK, let's see. The currency exchange fee on GOG is 2%. $5.99+2% equals roughly $6.11. I personally use xe which is pretty spot on with its exchange rates and $6.11 on xe equals about €4.43, so you indeed do not have enough money. Feel free to blame the official paysafe calculator.
Post edited March 20, 2014 by Grargar
Posted March 20, 2014
Thanks for the answers. This went quick ;)
The calculation from Gragar makes indeed sense. This was not intended to blame GOG ore paysafecard. I just wanted to know why the calculation doesn't fit together ;)

One thing I am thinking about. When paysafecard charges exchange fee and GOG charges also 2%, I am paying two times additional fees, right?

EDIT: I checked the amount on the paysafecard two times. So this is not the issue here. Just wanted to say this ;)
Post edited March 20, 2014 by Sebastian1982
Posted March 20, 2014
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Sebastian1982: One thing I am thinking about. When paysafecard charges exchange fee and GOG charges also 2%, I am paying two times additional fees, right?
Actually I don't think it has anything to do with what GOG charges, bacause, as I stated above, if you go to the paysafecard calculator and convert 4,28 Euro to dollars it comes out as 5.75 dollars. The paysafe calculator can't know that your going to be shopping on GOG.
Posted March 20, 2014
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Sebastian1982: One thing I am thinking about. When paysafecard charges exchange fee and GOG charges also 2%, I am paying two times additional fees, right?
avatar
K_1269: Actually I don't think it has anything to do with what GOG charges, bacause, as I stated above, if you go to the paysafecard calculator and convert 4,28 Euro to dollars it comes out as 5.75 dollars. The paysafe calculator can't know that your going to be shopping on GOG.
You are right. But this is kind of odd. The calculation should work in both sides. Calculation from paysafecard:
5.99$ = 4.25€
4.25€ = 5.71$

Of course this has nothing to do GOG ;)
Post edited March 20, 2014 by Sebastian1982
Posted March 20, 2014
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Sebastian1982: Thanks for the answers. This went quick ;)
The calculation from Gragar makes indeed sense. This was not intended to blame GOG ore paysafecard. I just wanted to know why the calculation doesn't fit together ;)

One thing I am thinking about. When paysafecard charges exchange fee and GOG charges also 2%, I am paying two times additional fees, right?

EDIT: I checked the amount on the paysafecard two times. So this is not the issue here. Just wanted to say this ;)
You are only charged once, that is, you pay a total of $6.11. I can personally confirm this, having bought many times here on GOG ever since the introduction of the paysafe option.
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K_1269: Actually I don't think it has anything to do with what GOG charges, bacause, as I stated above, if you go to the paysafecard calculator and convert 4,28 Euro to dollars it comes out as 5.75 dollars. The paysafe calculator can't know that your going to be shopping on GOG.
The paysafe calculator is still wrong, however. 6.11$ on xe equals €4.43, while on the paysafe calculator, it equals €4.34, which would still be an important difference in this case.
Posted March 20, 2014
Just send the euros in an envelope. They're good for it.
Posted March 20, 2014
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Sebastian1982: But this is kind of odd...
Yep! Quite curious myself to why the conversion from Euro to Dollar is comming up shorter. If you ever find out, please post about it to let us know as well!
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Grargar: The paysafe calculator is still wrong, however. 6.11$ on xe equals €4.43, while on the paysafe calculator, it equals €4.34, which would still be an important difference in this case.
That's because a conversion fee of 2% is already applied when using the paysafe calculator.
Post edited March 20, 2014 by K_1269
Posted March 20, 2014
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Sebastian1982: You are right. But this is kind of odd. The calculation should work in both sides. Calculation from paysafecard:
5.99$ = 4.25€
4.25€ = 5.71$

Of course this has nothing to do GOG ;)
Have you considered inquiring paysafecard about the discrepancy? As far as I can tell, they provide a couple of ways to contact them.
Posted March 20, 2014
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K_1269: That's because a conversion fee of 2% is already applied when using the paysafe calculator.
I already included it in both cases. The reason the results differ is because of the exchange rates. On xe, the current exchange rate is about 1.38, while on Paysafe, it is about 1.41 if you are buying a dollar or 1.35 if you are selling a dollar.
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Sebastian1982: You are right. But this is kind of odd. The calculation should work in both sides. Calculation from paysafecard:
5.99$ = 4.25€
4.25€ = 5.71$

Of course this has nothing to do GOG ;)
Not so odd if there are different exchange rates at work. €1 equals $1.41 if you are converting from $ to €, or $1.35 for vice versa.
Post edited March 20, 2014 by Grargar
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General discussion (archive)Additional funds with paysafecard?(24 posts)(24 posts)
(24 posts)