Yeah but for example Paypal also give the option to decide if you want to have the protection (for fees) or if you don't want them (without fees). But the worst part about this is, that if the buyer wants the protection, the seller has to pay for it lol
That can't possibly be right. Do you have a source for that? Why would the buyer buy without protection if the seller pays for it anyway? And why have that choice in the first place?
Ah sorry, I mixed it up. Of course if you buy with a marketplace implementing you can't choose this option. But if you for example sell something on other platforms. In Germany we have for example a sell platform of ebay where you don't sell something in auctions but in normal sell offer, and people can give you a message if they want to buy. I sold there a lot of used stuff I had no use anylonger and mainly got payments via paypal. And if you send money then from buyer to seller they can decide to make it as a friend/family transfer or normal with fees and protection, because the payment process is not in the platform. If they would choose for normal transfer the money get reduced by the fee.
it would be cool to give people the choise too at UTrust but with the option that buyer, who wants the protection, would be charged. But protection is really a nice thing. I hope they could fill the gab for this problems stated above.
In my opinion the best thing would be to have the protection built-in to the system at a reasonable fee. Presenting the user a choice for buyer protection will add another hurdle to the order process ("Do I want buyer protection? This is taking way too long, I just want to pay.") and it plants a negative thought in the buyer's mind ("So you're saying I could be scammed?")
That's of course true, but I think people should have the option to choose themself if they want to pay more for protection or not. You also don't want to get an insurence by force, don't you? Of course something can happen, so they always can choose to go the saver way. But for example if you work with someone where you already bought a lot of stuff and who you trust, maybe there is no need to pay the extra fee.
