Those who regularly buy medications online would probably know that paying for medications can be a little different for online pharmacies. It isn’t exactly the same as other online stores. Normally, what you do is “check out“, choose credit card as your payment method, and it brings you to the payment page where you input your credit card info and press “Pay Now” and be done with it.
Online pharmacies don’t and can’t operate that way. One of the biggest reasons is that most of our customers don’t have prescriptions. After all, if you had a prescription, and your insurance covered it, you wouldn’t bother to buy medications from an online pharmacy. We perfectly understand it and try our best to serve our customers knowing that they really need the medications. That’s why online pharmacies prefer alternative payment methods such as Bitcoin, Western Union, Moneygram, etc. However, most customers feel discouraged by these methods and want to know why they can’t just pay using their credit cards, which is relatively less complicated.
Believe me, we, the online pharmacies also feel the pain. If we could, we would make the payment process easy for you. We simply can’t do it. When purchasing prescription medications without prescriptions, the less the papertrail the better. However, we can offer an explanation why and which payment methods are preferable. In this article, we’ll take a look at both the customer and the pharmacy points of view so that we have a clear understanding.
Following is a list of payment methods that have been organized from the best to the worst:
1. Bitcoin or BTC
Bitcoin (BTC) is the number one choice. From the pharmacy point of view, we prefer it the most because Bitcoin has virtually no restrictions. It’s easy to pay and easy to receive. It takes about 10minutes for us to receive the money, and we can process unlimited orders with Bitcoin.
On the customer side, the only hassle is to set up the BTC wallet first. Once you have done it, you shouldn’t have problems anymore. The more you use it, the better it’ll get. Yet, we know that a lot of our customers don’t know how to use BTC, so we have a completely separate article “How to Set Up a Bitcoin Wallet”. You may check it out. It is the safest for both the customers and the pharmacy, especially if the customer has no prescription.
The way it works is that you set up a BTC wallet and buy a certain amount of BTC using your credit card and save it on your wallet. You can easily download a wallet app on your phone. Your credit card statement will only show that you have purchased some BTC. After that, wherever you transfer the coins is no longer your bank’s or credit card company’s business. You can send money from your wallet to anyone who has a BTC wallet.
The best part is that you can send money to your friend sitting next to you or to another person on the other side of the world. It’s the same for BTC. You don’t have to go through a complicated international wire transfer process.
That’s why Bitcoin ranks number one on our list and we offer a 15% discount for processing payments via Bitcoin. If you choose to Bitcoin as your payment method, we’ll send you an email with our BTC wallet address and the amount in BTC, and you can send the money to us from your wallet with a few clicks.
MoneyGram is another excellent payment method. On the pharmacy side, we can get the money instantly and ship your order faster. MoneyGram also has fewer restrictions, and one person can receive many MoneyGrams at a time. On the Pharmacy side, we can assign one person to pick up several transactions.
On the customer side, it is also very safe. There are two ways to process MoneyGram– Online and Offline.
For the online method, all you have to do is go to www.moneygram.com, choose your country and language, and sign up with an email address and a phone number. Once done, you should be able to send money to anyone in the world. You may pay using your credit/debit card or bank transfer. Your credit card statement will show only that you paid “Moneygram” so it is very safe for customers without prescriptions.
You can also process MoneyGram offline. There are MoneyGram agent offices almost anywhere you go. US customers can do it from a Walmart. You fill up a form with the receiver information and pay in cash or with your card, and you are good.
If you choose to pay using MoneyGram, we send you a receiver name and a step by step guide on how to process the payment. We also offer a 15% discount for MoneyGram payments.
3. Western Union
Our third favorite option would be Western Union. It is also a very reliable method. Customers can process it online or offline just like MoneyGram. Yet, one reason it ranks lower than MoneyGram is that on the pharmacy side, one person can’t receive multiple Western Union at a time. If we pick up one, the other one would get canceled so we have to assign different people to pick up different transactions.
Western Union also has some blocking mechanism. If one person receives money frequently, they can block that person’s name, and we can’t use that person for a long time (Years). Additionally, there is no information available anywhere about this block (Like what is the maximum amount a person can receive before this block happens), so we are a bit unsure with Western Union from time to time. Sometimes so happens that one person goes to pick up the money at an agent location, and at that moment, the transaction gets canceled and the money returned to the customer account. There’s just no way to know or no previous warning of any kind.
From the customer’s point of view, it is not that hard. Just like Moneygram, Western Union agent offices are everywhere so that you can process it offline. You can also go to www.westernunion.com and create an online account. You may pay online using your credit card, debit card, or bank transfer. Your account statement will show “Western Union” so customers without prescriptions are safe. We also offer a 15% discount.
4. Xoom- A PayPal Service
Xoom is a PayPal service that works like Western Union. That means instead of transferring money from your PayPal account to another PayPal account, you can transfer the money directly to a person, who can then pick it up in cash.
Many people may get confused by this payment method because it is a PayPal service, and while we offer no discount for PayPal, we offer 15% discount for Xoom. The reason again is that it allows us to collect the payment quickly in cash. PayPal to PayPal direct doesn’t offer that.
If you place an order via Xoom, we’ll send you a receiver name, address, phone number, etc, and you can go to www.xoom.com, log in with your PayPal account and send the money to that person from your PayPal.
The reason Xoom ranks number 4 is that their restrictions are more than Western Union. One receiver can only receive 1 payment in a month. If more, they can get blocked or canceled.
And the worst part is that if Xoom gets blocked, they start asking questions to the sender (Why are you sending money to that person? What’s your relationship?). You may receive a survey email from Xoom if your transaction is blocked. Xoom might make our customers feel uncomfortable.
5. Credit Card
Finally, we are here. Over 60% of customers prefer this method. It’s really easy on the customer side. All you have to do it input your credit card number and press “Pay” and you are good to go. The reason online pharmacies don’t prefer this method is that the risk is both on the customer and on the pharmacy.
In order to process credit cards online, we need a “Credit Card Merchant”. It’s fine. Most banks offer it. Yet, before clearing all the transactions, and transferring the money to our bank account, we must provide them with invoices. That means every sale will have a record. It’s still not a problem for us, but if the customer has no prescription, we can’t produce the invoice for that particular sale. That’s why we sometimes have to fake it. That is a risk on our part. Additionally, it can take months before we receive the money. On the customer side, you have paid, and you expect your shipment. On our side, we have shipped your order, filed the invoices, and will wait for a month to get that money.
Also, there is a thing called “Chargeback”. A customer can file a chargeback if he/she is not satisfied with the product. This is probably the reason why most customers like credit cards. They think they can get their money back easily. It provides them with some sort of guarantee. What the customers don’t know is that if they file a chargeback, we have to provide the credit card merchant with all the details of the order. We may even have to disclose the content of the package. It puts the customers without prescriptions at a bigger risk. That’s why we recommend that you choose “credit card” as your payment option only if you have a valid prescription.
On the guarantee part, we have a pretty effective refund and reshipment policy. In case you are unsatisfied with our products, you may file for a refund or reshipment request directly to us. As a matter of fact, you agree to those terms and conditions when you place an order. Kindly read our “Terms and Conditions” well.
The last and the worst of all the online payment services is PayPal. There is an online platform for questions and answers called “Quora”, and here is the link to a question “Is PayPal a Scam?”. You may check out how many people have answered the question. You can also read hundreds or businesses’ and individuals’ stories about how PayPal scammed them and screwed them over.
For the pharmacy, it is a nightmare, and for the customers, easy though it may seem, really risky. PayPal to PayPal transfer is one of the most insecure transactions with absolutely no privacy at all. Any government, government subcontractors, and even some non-government organizations can access a transaction. PayPal allows backdoor access to them. We have literally experienced it. A government sub-contractor called LegitScript gained access to our PayPal account. When we asked PayPal about it, they didn’t give any explanation. They froze 6 accounts with thousands of dollars in them and we lost all our money.
If not to family members, PayPal to Paypal transfers takes a long time. Once a customer has paid, it will take at least 21 days for us to get that money. Not only that, PayPal won’t release the money to us until we have provided PayPal with the tracking number of the shipment. Although PayPal doesn’t know the content of the package, it tracks the packages.
And finally, just like “Chargeback” for the credit cards, PayPal has “Dispute”. If you file one because you are unsatisfied with the product, we again have to disclose everything to PayPal. Several of our PayPal favoring customers are in jail because they didn’t have prescriptions. PayPal handed all their info over to the DEA.
Again, please have a prescription when you order using PayPal, and if you are really unsatisfied with our products, please follow the refund and reshipment policies. We’ll refund your money. Just don’t take the risk of filing a Dispute.
There you have it. Now you know why online pharmacy payment systems are different than a regular online store. It is what it is, and we deal with it by protecting ourselves and our customers. One thing we can say is that at Blue Cross Online Pharmacy, we’ll do our best to make the experience easy for you. Our customer support is top of the line, and they are well-oriented on all the payment systems. If you encounter any difficulties, just let us know and one of our agents can guide you through the process over the phone, via email, or on the OnSite Chat.