Buyandship Shopping Tips: PayPal vs Credit Card



There are several ways for you to pay for your online purchases, especially when you’re shopping overseas. A number of online stores accept multiple payment methods, including credit/debit card and PayPal. Some e-commerce portals nowadays even accept E-wallets like G-Cash, G-Cash AMEX, and PayMaya! More international online stores are offering a variety of payment gateways, but which is the most suitable for your shopping needs? Scroll down to learn more!



Buyandship Shopping Tips: PayPal vs Credit Card

Here are some considerations you need to take note of when choosing your preferred payment method:


1. Security


PayPal is way more secure as no one can see your credit card details. Your data is also well encrypted for extra protection and monitored to prevent any fraud and identity theft. There are also regular updates to its systems to help block external threats as well. Therefore, you can have multiple layers of protection with your credit card’s fraud protection!

Credit Card

There is a lot of online credit card fraud due to the increase of online payment activity even though you can easily lock or cancel your card if your details are stolen or often covered by a form of fraud protection but there is still a risk to people out there.



2. Convenience


You can pay with your credit card without exposing your card details and you don’t have to enter your card details everywhere you shop. PayPal is easier to set up and faster to use as all you have to do is log in to PayPal and quickly check out in a few clicks. Also, Paypal gives you the option of adding money directly to your wallet balance to create a simple spending account.

Credit Card

You have to re-enter your credit card details at various checkouts online even though it might seem convenient when you are prompted by your internet browser to save the card details for next time but that might as well make it easier for potential hackers to get to your money and private details!



3. Fraud Protection


PayPal offers a Liability for Eligible Unauthorised Transactions program to protect you from fraudulent transactions. All you need to do is notify PayPal within 60 days of a purchase that you did not commit.

Credit Card

Different credit card companies or issuers offer different forms of purchase and fraud protection services, some do not offer but some do. You can check and see which one you feel more comfortable using



4. Currency Rates


If certain international stores don’t allow you to purchase in a different currency than your own local currency, PayPal will charge your linked card based on a wholesale foreign exchange rate. A lot of the times, this can mean you’ll be charged more on your transaction due to the exchange rate.

Credit Card

Some credit cards may apply a currency conversion fee when making purchases from an international store, which differs from card issuer to card issuer. However, there are credit cards out there that offer free currency conversion fees!



5. Reward Points


If you link a rewards credit card to your PayPal account you CAN STILL redeem points with most cards on PayPal purchases!

Credit Card

Alternatively, you can directly use your rewards credit cards, which might be a good choice for you to earn points (and save on PayPal conversion fees)  if you are a shopaholic!



See a pricing calculator and parcel restrictions below. No bulk shipments 10 units max per shipment.


If you choose Php 380 / lb DDU option, Please note if above Php 10k there are PH customs clearance fees separate from our shipping fee that is paid to local courier either COD or bank transfer, and sent to your home. If Php 10k or below then just our shipping fee 🙂

To enjoy no duty and tax, you need to checkout from HK under Php 10k total value of shipments regardless of how many shipments, then TRACK until it passes PH customs, then send the next batch.

If you choose Php 620 / lb DDP pricing option it is inclusive of duty and tax. See below step by step 🙂

Buyandship’s Pricing Option: Php 620 Per Pound Delivery Duties and Taxes Paid


It’s also worth noting that each household member’s name can create their own account to enjoy each Php 10k under

  • Step 1: Each of your household members can open an account and each can enjoy under Php 10k. Sign them up now in here.
  • Step 2: When each household member signs up they also get Php 50 free credits. That means more savings for your household!
  • Step 3: You can also ask them to use your referral code when they sign up so both of you can earn more credits and have more savings 🙂




➡️ Learn how to purchase your favorite products from other sites using Buyandship



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Is this your first time using our Buyandship service? Here are a few things you should know:

A flat fee of Php 380/lb Delivered Duty Unpaid or Php 620 / lb Delivered Duty Paid will be charged for overseas shipment whether it is from our USA, Canada, UK, Japan, Korea, Australia, Indonesia, Italy, Thailand, Hong Kong, China, or Taiwan warehouses. All the same rate! With a few easy steps, your product purchases will be delivered to you in no time.

SIGN UP NOW to gain access to our overseas warehouses, and get FREE PHP 50 credit to use for your next shipping fee!

Here is a video tutorial on How to Sign up with Buyandship.