superman

I am looking into people who have had their business damaged by Paypal.

Here's my paypal horror story: Apirl 27 account Lock or limits is what they call it ...
Limits means I can do nothing on my paypal account cannot
accept payment or give payments.

My business is based on paying people for blog reviews and receiving payment from advertiser to get blog reviews.

Paypal does not even care to speak with you about anything .
I call and those people say we have nothing to do with that part of account being in limits ...

So guess what more dispute keep popping up everyday ..

I email Paypal are you guy stupid ? (Understand after 5 phones call to them and 15 emails wthout help I am loosing my cool ) The dispute I tell Paypal are because you locked my account and cannot pay these people..


OH! my whole business is dead my site is down because the host was paid by paypal. The last dispute said he heard we were out of business !!!


Lawsuit against paypal for damages ??? I got one piece of info from paypal that all this was because someone purchased with a fraud credit card ?
What that's our fault ?


So tell me anyone felt the paypal pain ?

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emp

Wow... that was a rant. You don't even have time or patience for grammar or spelling or making sense...

Try contacting someone at paypal.

Have a clear list of things to ask / things to dispute.

Try getting higher up the chain of command.

Sucks to be in your situation.

::emp::

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SeoReborn

Thats a terrible situation to be in. I think alot of webmasters income does come from Paypal. Wonder if there are GOOD paypal alternatives...

hazzan

This is a sad story and all. But all I could think about is where the traffic from "paypal limit locks goes"

Google
Nowheres

Here are some alternatives. And no, I dont own or work with any of them.

PayPal Alternatives - 6 services you can use as an alternative to PayPal

-Matt-

Google Checkout is an alternative I have ready in case something goes wrong with PayPal. I still prefer PayPal 150% but I would never let my business get damaged because of one company. Never put all your eggs in one basket.

It is ridiculous that they would suspend your account because of someone else paying with a fraud credit card. If what you are saying is true, then it may be best to just offer to pay PayPal back the amount they lost due to a fraudulent transaction and write it off as a business expense. This shit happens.

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Aequitas

Your first mistake was relying 100% on PayPal alone so really I don't feel bad for you because a smart person would have had there site backed up with other payment processors, ect...

You don't have to have the others active but you should have them there and the reason for this is because if PayPal ever does freeze your account it will only take you 30 seconds to put up another payment system and to send out an email to your customers/clients saying payment terms need to be changed a little bit.

Or if your having issues paying them because PayPal froze your account tell them about it instantly and take the hit with your credit card until you get through the mess.

It doesn't sound like you've taken the time to do anything to protect yourself in the first place.

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kimboslice

I've been bitten in the ass by them before too.
Join the club.

PayPalSucks.com is where you will learn about the PayPal Class Action Lawsuit, Abuse, Fraud & evil behind the PayPal system!

A few years ago an idiot could not figure out how to download a digital product I was selling on ebay. It was all setup to automatically alert the auction purchaser of how to download the item after winning. I was away on a cruise (which was clearly stated in the auction)and would not be able to respond to questions for at least 3 days. I had a short FAQ and a voice mail number with a message on how to download the product if you if had an issue.

Now mind you, No one had ever had any problem getting the download, but I'm just a "cover all bases" type of guy. After winning the auction The asshole emailed paypal telling them that I had scammed him. 3 hours later he figured out what happened and he called them to tell them it was his fault and he'd gotten the product.

Do you know what the awesome folks at paypal did? They froze the fuckin account for 180 days. Even after close to 20 emails and phone calls (me and the asshole) explaining that it was all a mix up. I did not feel like wasting anymore time fuckin around with them so I let it go. In hindsight, it made me realize you better spread your shit around or risk getting shafted.


These days I only bear with them simply because a lot of my clients want to use them. Any money deposited into my paypal account is instantly deposited into a fresh bank account I created only for paypal use. That money is them immediately as well. I don't trust those fuckers as far as I can throw them.

I also have google checkout as a backup and a real live merchant account as well. I have a backup merchant account on hold too.

HarveyJ

Ummm, considering this post: paypalsucks.com

Why the same hell are you still using paypal?

There's a saying, and it begins with "Fool me once..."

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Wiy

Dude, my accounts has been limited for 1 1/2 months now over some bullshit that happened on eBay. I was paying for my hosting via PayPal also but switched to CC after limiting. Goodluck with that

-Matt-

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herventure

I also suggest Moneybookers and Authorize.net (besides google checkout) as possible paypal alternatives

Rage9

File a small claims case in your county vs. Paypal for the maximum [typicaly $5k] amount you can.

Chances are they will try and asnwer the suite and get it dismissed. Make sure you have proof. Come the day of trial chances are they won't show up and you can snag a win by default.

Profit.

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maverick

I have used Paypal for almost 9 years and in that time my account has been locked so many times I have lost count. Paypal have such a monopoly that they can treat people however they like and use there massive cash reserves to self regulate in Europe.

My worst dispute was for almost $20k when they locked my account as my GF was scammed on Ebay selling an autograph. She kept the payment/send receipt for almost 3 weeks then she got a chargeback from Paypal which she disputed as the buyer told her on the phone it was perfect.

As her account was pretty new they locked it right away and then in about 3 hours my account was locked as i was associated due to having the same landline phone number. I called them up and they told me that it was a safety measure so my GF could not use my account to sell on Ebay and once her account was live again so would mine.

After a couple of days I gave up with paypal uk (or ierland) and spent $600 calling the US trying to get them to escalate it to an executive. After days of fighting I got a result when it went to a special department who requested i send in copies of invoices etc to prove the money was mine. It took about 14 days to reopen the accounts which is pathetic when people use it for business.

Things I learned

1. When you sign up ask them to limit you right away and send them EVERYTHING they need like Passport, driving licence and utility bills.

2. If you intent to use the account for business then tell them in advance so they can ask for documentation early. Once you hit $5k they normally limit you anyway until they get the info

3. Do not use any of the same details of your friends, family etc as they will attach you to the account and should they default you will end up getting shafted.

4. Read all the T&C as in reality when you sign up with them your money is NOT safe.

I also know from talking with an ex Paypal marketing guy that they once introduced better sign up protection but conversions went down so they opened it up again so any Muppet can create an account in seconds and abuse the system.

I know of a number of UK based businesses that have went bust due to paypal including one guy who was selling memory card sand had a huge T/O. PP put his account under review and by the time they finished all the paperwork he was left unable to pay creditors on time and they withdrew his invoice facility resulting in him going bust.

I would bin Paypal all together if I could but there's so many people using it that it means lost revenue if you don't use it.

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So far I have no complaints about Xoom.com

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Wiy

great info, thanks

Spent 3hrs on the phone with PayPal this morning and only certain parts of the issue is resolved. Still out $1.8k...

fcreature

I use paypal to sell intangible digital products. I set up a system with paypal IPN where the user is automatically sent the items when the payment goes through. Now, the thing I hate about paypal is that when users decide they want to leave the website they often go back and issue chargebacks/disputes on their past purchases. Paypal always rules in their favor which is complete BS as the user got what they paid for and only wants their money back because they are done with my website. Paypal has no respect for digital products. If I had been sending tangible items i'm sure that wouldn't happen.

So we're not in the same boat, but I feel your pain about paypal. Maybe you should look into google checkout or something.

Aequitas

This is not entirely true most people think this but PayPal has told me that people buying intangable items online using PayPal are not covered for un-delivered products, I've had this happen lots in the past with assholes who get the product then take out a dispute against you to get there money back.

What you need to do is track everything, the payment amount, payment date, there IP address, once they click the download link re-log there IP address to know that they did download the product, save everything you can from PayPal.

Then when this happens take all that information and present it to paypal saying ok I sell intangible goods and this is what I do to proove that this person really did download and recieve the item they paid for then show them all the info and explain to them how it goes.

Most of the time PayPal will then side with you because the buyer is like umm what and doesn't know how to respond with all the evidence against them so PayPal sides with you.

If it gets too out of hand and its a smaller amount then save yourself the time and give them a re-fund.

But if this is something that is happening to you lots then try out this method.

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anoko

It's been known for years that Paypal is the worst payment processor. I would recommend MoneyBookers.

Jon