Permanent solution to PAYPAL freezings: Top Paypal ALTERNATIVES

by austria Banned
63 replies
As virtually everyone is sick and tired with the millions of Paypal horror stories and how often they freeze accounts and funds,
it is useful to discuss what are the TOP Paypal ALTERNATIVES for international clients.

As far as I researched, there are plenty of them, I had experience with Payza/Alertpay only and they are as bad as Paypal unfortunately.

Which ones have you tried from the following money transfer and online payment websites?

Payoneer

Intuit Payment Network

ProPay

WePay

payza (they behave like scammers)

Google Wallet

Bluesnap

Stripe

Square

Hyperwallet

Allpay

Xoom
#alternatives #freezings #paypal #permanent #solution #top
  • Profile picture of the author Genius001
    You didnt mention the most important one- 2checkout.
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  • Profile picture of the author QueenMelanie
    You also didn't include Skrill?

    In my opinion, Skrill is the only other "secure" feeling PP alternative.. much better than Paypal in reality..
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  • Profile picture of the author montecristo786
    I'm trying Paxum.
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  • Profile picture of the author espresso
    stupid question but why are peoples paypal account getting frozen
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    • Profile picture of the author agmccall
      Originally Posted by espresso View Post

      stupid question but why are peoples paypal account getting frozen
      Because they:

      Do not communicate with paypal

      Do not upgrade to business account

      I have been using Paypal for a ecommerce site for over 7 years, I have a lot of sales every year and have never had a problem. If you sell your own products then you should not only upgrade to business account, you should also go with paypal payments pro with gateway.

      al
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      The Flu? Not worthy of a mention here???
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      • Profile picture of the author austria
        Banned
        Paypal is freezing accounts from thousands of reasons, some of them ok,
        some of them imaginary , some of them downright meaning that they just love to have your money and they earn from holding on your money abusively

        Thousands of new horror Paypal stories everyday:

        Has PayPal Limited Your Account? - PayPal Limited & eBay Suspension Board
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        • Profile picture of the author Sid Hale
          Spot on, Al...

          Originally Posted by agmccall View Post

          Because they:

          Do not communicate with paypal

          Do not upgrade to business account

          I have been using Paypal for a ecommerce site for over 7 years, I have a lot of sales every year and have never had a problem. If you sell your own products then you should not only upgrade to business account, you should also go with paypal payments pro with gateway.
          On reading the OP's comments, I felt compelled to check what it says when I click on my "Paypal Verified" seal. It appears that I opened my Paypal account in March of 2002 (almost 15 years ago). It seems to me that those who question Paypal's actions when an account is frozen should, instead, be questioning why so many others (I'm sure it's not just you and I, Al) are NOT frozen. What's different?

          Upgrading to a Premier or Business account is essential if you intend to use Paypal for anything other than casual transfers of personal funds from one party to another (i.e. sending some money to your son/daughter who's away at college, one off purchases, etc.). Personal accounts come with limits, and you'll very quickly butt up against those limits if you try to do business using a personal account.

          Is it possible that those with frozen accounts did in fact, do something wrong?

          Is it possible that they never read the Legal Agreements on the Paypal site, and subsequently used the account in a manner that is not permitted (see Prohibited Activities in the Paypal Acceptable Use Policy)



          Originally Posted by austria View Post

          Paypal is freezing accounts from thousands of reasons, some of them ok,
          some of them imaginary , some of them downright meaning that they just love to have your money and they earn from holding on your money abusively
          This is ludicrous! Paypal stands to make more money from the transaction fees that would have been generated if the account had not been frozen, than they would generate by collecting interest on the monies in frozen accounts.

          Paypal's reasons for freezing an account are NOT imaginary. If you dig a little deeper, you'll find that it is those whose accounts have been frozen who tend to exhibit the most imagination in trying to justify why they should be allowed to continue using their Paypal account in the ways that they have.

          Thousands of new horror Paypal stories everyday:

          Has PayPal Limited Your Account? - PayPal Limited & eBay Suspension Board
          This site has been around since about the time I first opened my Paypal account. I think it is a pretty safe assumption that whoever created the site had a beef w/ Paypal. Given its longevity, isn't it amazing that Paypal has continued to grow and prosper? I mean who in their right mind would trust Paypal when there is a web site that is dedicated to bad-mouthing their policies? LOL

          Instead of the typical opt-in form we see all the time where a visitor enters their email address to get a copy of a free ebook... This site supplies a box for you to submit your own horror story in order to receive their free ebook. (Creative use of a "freebie", but you have to wonder about veracity of the information on a forum that "buys" input by giving you a freebie to post.)

          ...and just look at an example of the "imagination" shown by the posters on that site.
          PayPal found out about my old account.

          Basically, I had an account like 5-6 months ago that I'd use as a throwaway account to transfer money to main account and withdraw. Someone chargebacked around 2 months ago and it had a negative balance of -266 EUR. So I just threw it away and started using main account for all my transactions.


          23rd of December I get an email saying PayPal is limited, please confirm your address via utility bill. So I upload the utility bill.
          Today I get an email saying that if I want to unblock my account, they need ID for my new account and that they want outstanding balances cleared on this new account. I thought hard, and figured it out. The addresses on my throwaway account matched addresses on main account. But utility bill was only sent to PayPal on my main account.
          So what do I do? I already sent my ID to PayPal on main account. What should I do about the throwaway one?
          Here is a Paypal account holder blatantly trying to avoid a chargeback against monies he/she had collected via Paypal into his "throwaway" account. He/she had 2 separate accounts and now wonders why Paypal expects the negative balance on one to be cleared up before he can use the other.

          So... who really sucks here?
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    • Profile picture of the author Sheyie
      Originally Posted by espresso View Post

      stupid question but why are peoples paypal account getting frozen
      Have you ever experience it?No guess thats why it sounds stupid
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    • Profile picture of the author wallyw
      Originally Posted by espresso View Post

      stupid question but why are peoples paypal account getting frozen
      I've had a personal Paypal account for over 10 years and really never had a problem with Paypal although I continued to hear horror stories.


      So, I discovered a business model that allowed me to make 20% - 30% on my money by turning it over with bitcoins. However, one step of the process required that I deposit money into my Paypal account using Paypal My Cash. PPMC says you can upload a maximum of $500 per day and $4000 per month to your Paypal account. These payments are secure and not reversible unless someone says the PPMC transaction was from a stolen upload number.


      Well, I decided that I needed to be able to turn over more than $4000 per month to be able to make more money. So, I opened a business account using my business EIN and an account for my wife using her SS#.


      I manage to use the PPMC transactions on my personal account and business account for about a month. Then they limited my business account and asked for more information which I sent them. Several weeks later that account is still limited without word from Paypal and they have a few thousand dollars of my money locked up. Never has any of the PPMC transactions been disputed or reversed.


      On the account I opened for my wife, I deposited just $100 by bank transfer and they requested and I sent, her drivers license, a utility account statement showing her name and address, bank statement showing her name on the bank account, and her paystub showing her SS# that also showed her income was well in excess of $100K annually. They unlimited the account and then without her ever doing any transactions in the account they limited the account again with an email saying they want to "part ways" but they will hold our $100 for at least 6 months.


      I then pulled the cash out of personal account before it got limited but here I sit with thousands locked up with Paypal and no recourse to obtain my money.


      I think it should be illegal for them to hold our money. Particularly money that came straight out of our bank account. I've written to my Congressman about Paypal and everyone else who has a problem with them should too. There should be legislation stopping Paypal from limiting accounts for more than a few days. They are basically putting people out of business in many cases on a whim with no real reason.
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  • Profile picture of the author nizamkhan
    You missed one of the big one authorize.net

    - Nizam
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  • I haven't really used anything else other than Stripe..

    Never had any problems with Stripe. Very happy
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    • Profile picture of the author austria
      Banned
      Originally Posted by selfdisciplineacademy View Post

      I haven't really used anything else other than Stripe..

      Never had any problems with Stripe. Very happy
      How do you receive money in Stripe and what are the options for withdrawing from Stripe? Thank you
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      • Profile picture of the author LodestarVince
        Originally Posted by austria View Post

        How do you receive money in Stripe and what are the options for withdrawing from Stripe? Thank you
        Stripe wires money straight into your bank account. The first wire takes a week or something like that, then after that every wire comes within two days of the payment's batch unless you designate that it takes longer.

        It's pretty straight forward.

        As for the original question...

        Anything is better than PayPal, I only use it as a necessary evil...

        Never turn down someone's money if they're willing to trust you with it.
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  • Profile picture of the author Sheyie
    From my experience the best alternatives are STRIPE and AUTHORIZE.NET
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    • Profile picture of the author LodestarVince
      Originally Posted by Sheyie View Post

      From my experience the best alternatives are STRIPE and AUTHORIZE.NET
      Authorize.net is just a gateway... You still need a payment processor (MID) on the other side of authnet for it to work.
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  • Profile picture of the author wordpressmania
    Paypal is Paypal. There is no other like paypal. Actually it is really vital to have a paypal to run a successful business.

    I am using fastspring as my payment processor as here in my country paypal is not operational. I know how it feels not to have a paypal. Probably you need to follow paypal rule properly so that you do not face any issue with paypal.

    You can call them, I have read a lot of thread here that says they fix the issues while they call them by phone.

    Hope this helps.
    Sabbir
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  • Profile picture of the author HARSHA4306
    Skrill is the best.
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  • Profile picture of the author SunnyDelight
    I never had my account frozen. Good communication with Paypal is key... It doesn't take much to pick up the phone and give them a cal if you expect to be rolling out a big campaign or a product of some sort that is going to put unusual amounts of money in your account.
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    • Profile picture of the author sal64
      Originally Posted by SunnyDelight View Post

      I never had my account frozen. Good communication with Paypal is key... It doesn't take much to pick up the phone and give them a cal if you expect to be rolling out a big campaign or a product of some sort that is going to put unusual amounts of money in your account.
      ha ha ha... picking up and using a phone is against the rules of IM because everything has to be online!
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      • Profile picture of the author PhilCarson
        Mine is frozen because PayPal and I are "butting heads" and I refuse to give in. As some of you already know, I had a somewhat successful business selling vacations on eBay a few years back. A women booked a vacation with me, so I went ahead and confirmed her reservations etc., etc. She cancelled. Fine, except I've already paid for the vacation and can't get my money back, so I told her I can't refund her her money. She escalated it to PayPal's complaint department, and they took the money out of my account until we could come to an agreement. She wouldn't budge, and I provided proof of the transaction, and finally PayPal agreed that I was right and she was wrong and put the money back into my account.

        So she called her credit card company and said she never received her vacation.

        Well, her credit card company charged back the payment to PayPal, and they charged it back to me. So, PayPal's so-called "Seller's Protection" is a crock of bull. They wouldn't even consider challenging the chargeback. I had less in the account when they took out the money than when they put it back in, and ended up with a negative balance. So I'm on administrative hold or whatever they call it until I give them their money back. Not gonna happen.
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        • Profile picture of the author Sid Hale
          Sorry Phil,

          I don't think "butting heads" will get you anywhere.

          Originally Posted by PhilCarson View Post

          Mine is frozen because PayPal and I are "butting heads" and I refuse to give in. As some of you already know, I had a somewhat successful business selling vacations on eBay a few years back. A women booked a vacation with me, so I went ahead and confirmed her reservations etc., etc. She cancelled. Fine, except I've already paid for the vacation and can't get my money back, so I told her I can't refund her her money. She escalated it to PayPal's complaint department, and they took the money out of my account until we could come to an agreement. She wouldn't budge, and I provided proof of the transaction, and finally PayPal agreed that I was right and she was wrong and put the money back into my account.

          So she called her credit card company and said she never received her vacation.

          Well, her credit card company charged back the payment to PayPal, and they charged it back to me. So, PayPal's so-called "Seller's Protection" is a crock of bull. They wouldn't even consider challenging the chargeback. I had less in the account when they took out the money than when they put it back in, and ended up with a negative balance. So I'm on administrative hold or whatever they call it until I give them their money back. Not gonna happen.
          Section 4 of the Paypal User Agreement spells out pretty definitively what happens in the case of a charge back, and you are legally bound by the terms of that agreement.

          A snippet from Section 4:
          4.4 Risk of Reversals, Chargebacks and Claims. When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any Fees if the payment is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the payment sent by the sender, plus the applicable Fees listed in Section 8 (Fees) of this Agreement if you lose a Claim or a Chargeback or if there is a Reversal of the payment. You agree to allow PayPal to recover any amounts due to PayPal by debiting your Balance. If there are insufficient funds in your Balance to cover your liability, you agree to reimburse PayPal through other means. If a sender of a payment files a Chargeback, the credit card issuer, not PayPal, will determine who wins the Chargeback.
          Read the last sentence of that quote.

          Almost every "Paypal Alternative" you might locate (including every one suggested so far in this thread) accept credit cards as a form of payment, and in their agreements with the credit card companies they are bound by the same buyer protections as Paypal. In other words, you can find alternatives, but the outcome in your situation would have been the same, regardless of the alternative selected. The credit card issuer determines who wins the Chargeback.
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          • Profile picture of the author PhilCarson
            Originally Posted by Sid Hale View Post

            The credit card issuer determines who wins the Chargeback.
            True. Unfortunately, I wasn't even given the chance to personally fight the chargeback. The wouldn't even tell me if it was a Visa, Discover, or whatever card she used. I should have at least been given the chance to prove my side. $299 isn't worth going to small claims court. Yes, I'm stubborn, I know.

            If I find I NEED a PayPal account for IM in the future, I'll just pay up and move on. Until then, screw 'em.
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            • Profile picture of the author Kay King
              If I find I NEED a PayPal account for IM in the future, I'll just pay up and move on. Until then, screw 'em.
              You are fooling yourself. You left Paypal in the negative as the company had to refund the money and you did not cover the refund. You won't be able to "pay up and move on" with paypal - they will cancel that account the moment you try to activate it.
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  • Profile picture of the author badut jenaka
    I think skrill and 2checkout is the best alternative right now. I can't give comment for the other processors because haven't use them.
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  • Profile picture of the author Robert Puddy
    I can highly recommend paypal

    It has everything you need, its stable , regulated and guaranteed not to run off with your money or be shut down by the ftc or local agency's.
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  • Profile picture of the author quadagon
    If you are in a market where you make use of kindle and the KDP program and you have other sales in the funnel then i can't recommend amazon payments enough.
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  • Profile picture of the author jessiem
    Authorize.net is the best alternative to PayPal!
    (tried it just a month ago)
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  • Profile picture of the author Jamie Thompson
    Very nice thread. My favorite alternative is wepay and their checkout option.
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  • Profile picture of the author sal64
    In 10 years, I have only been frozen once by Paypal.. and only because one of my sites was mentioned in a thread on here which was linked to some stupid system... or whatever. soon fixed once i told them that it was sig file ona forum post / thread.

    Other than that, no problems what so ever.

    One massive advantage (actually 2) is that tons of people have paypal accounts so it's like play money which makes it easier for them to spend rather than using a credit card...

    Secondly, I switched because I was sick of auto refunds with ClickBank.

    Just my thoughts...

    Sal

    PS: It also pays to contact them if you are doing a launch and expecting a glut of sales.

    PPS: Pull you money out on a regular basis.
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  • Profile picture of the author Skystar
    I've heard Stripe is good, but whatever - transfer that money out immediately! I wouldn't let 5¢ stay in my PPal account
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    • Profile picture of the author austria
      Banned
      Originally Posted by Skystar View Post

      I've heard Stripe is good

      I wouldn't let 5¢ stay in my PPal account
      WePay, Stripe are the main recommendations,
      what else?

      paypal shouldn´t have such monopol in something as basic as payments...
      paypal at this moment has a Totalitarian dictatorship...
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      • Profile picture of the author Val Yohan
        I've heard good things about Stripe and looking into switching in the near future myself.
        Does anyone have experience with Dwolla as an alternative to PayPal?
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  • Profile picture of the author Mark Singletary
    I believe that every listed processor here will lock accounts, cancel accounts, sue, hold money, etc. if users violate their TOS. Don't kid yourself that it is otherwise.

    Mark
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  • Profile picture of the author C G
    Why do Payza behave like scammers? o.0
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  • Profile picture of the author Lightlysalted
    Yep 2checkout is very good IMO
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  • Profile picture of the author QueenMelanie
    funnily enough, they just froze my Paypal even though everything was legit, so am looking into new payment processors now.. Look at https://transferwise.com/ they are new international payment processor made by the Skype people. looks promising imo
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    • Profile picture of the author nicheblogger75
      Originally Posted by QueenMelanie View Post

      funnily enough, they just froze my Paypal even though everything was legit, so am looking into new payment processors now.. Look at https://transferwise.com/ they are new international payment processor made by the Skype people. looks promising imo
      That doesn't look like a payment processor. It looks more like a way to transfer money between countries without using banks.
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  • Profile picture of the author Slade556
    I have never had any problems with paypal, so I will probably continue to use it. However, it's nice to know there are plenty of alternatives available!
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  • Profile picture of the author leotreasure
    Bitcoin - don't trust a third party with your money. See bitcoin.org to learn more
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  • Profile picture of the author icoachu
    The best alternative is still NOT to get your paypal account frozen.

    How?

    Pay attention to their rules and FOLLOW them.
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    • Profile picture of the author wallyw
      Originally Posted by icoachu View Post

      The best alternative is still NOT to get your paypal account frozen.

      How?

      Pay attention to their rules and FOLLOW them.
      Not so. No Paypal rules were broken. Accounts were locked by Paypal on a whim.
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      • Profile picture of the author igorGriffiths
        I live in Saudi Arabia and have just checked Stripe, its coverage is limited to Europe, USA and Australia. Thus for those struggling with Paypal due to being in a non Western location it is not an option.

        Also it is important to bear in mind that Paypal is not an international company, it is a collection of national accounts thus if you move country you lose your Paypal account and have to setup a new one in the new country. This is where I am at the moment, looking at finishing the set up of my Saudi Paypal account but now contacting the alternatives to see if they allow taking their payment account across borders, as living in Saudi is only temporary.
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  • Profile picture of the author storejvz
    paypal very good but it was trouble, trouble in the money transfer, account withdrawals, prone to freeze the account and how to overcome very tired, many people including me have switched to Payoneer, although However I still used for some network other papal you just choose their online account
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  • Profile picture of the author The Cypher
    There is NO alternative to PayPal.

    Here's why...

    The mass amount of people who have PayPal accounts and trust PayPal as a processor keeps PayPal as a forerunner.

    Just look at the WSO section. God forbid a seller doesn't have PayPal as an option. Every other option listed on this thread is essentially just a CC processor, so they are all the same.

    If you're doing any kind of serious volume, you'll be hosting your own payment order forms anyway. So who really cares, as far as user experience, which you use?

    Same goes for EBay or Craigslist or any other main stream consumer application. Best alternative to EBay for auction sites? None, because the market hasn't allowed it yet.

    Horror stories happen all the time with any payment processor. Watch how quickly any of the list alternatives will put you on a 100% reserve if your charge back ratio gets out of control. This has happened to me once and I was doing consistently $5k a day in sales. Everything you do has risks. Just because PayPal is mainstream doesn't make them any better or worse...

    Those who think otherwise just isn't doing enough volume.
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  • Profile picture of the author safrasolutions
    Does Stripe send you via ACH?
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    • Profile picture of the author essmeier
      PayPal doesn't like Internet marketers. That's not a secret, it's not news, and it's unlikely to change.

      One way to make sure your PayPal account doesn't get seized/frozen/deactivated is to keep a buffer in between your PayPal account and the transaction.

      That means avoiding direct payment to your PayPal account if you're selling IM products. Instead of that, set up the products to sell via Clickbank, JVZoo or an equivalent.

      It also means avoiding any product that promises to send $XXX "straight to your PayPal account."

      A little common sense goes a long way. Your PayPal account is vital to your business. Protect it.

      Charlie
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      • Profile picture of the author Sid Hale
        ??????????????????

        Originally Posted by essmeier View Post

        PayPal doesn't like Internet marketers. That's not a secret, it's not news, and it's unlikely to change.
        Huh? It's news to me.
        As mentioned earlier in this thread, I have been using my Paypal account since 2002 (my entire online marketing endeavor).

        My account was limited once in that time frame, for about 3 hours because I was asleep. As soon as I woke up and realized I had a problem, I corrected the problem and got on the phone w/ Paypal. The account was unfrozen while I was still on the phone and I was able to verify that by simply clicking on my own "buy" button.

        One way to make sure your PayPal account doesn't get seized/frozen/deactivated is to keep a buffer in between your PayPal account and the transaction.

        That means avoiding direct payment to your PayPal account if you're selling IM products. Instead of that, set up the products to sell via Clickbank, JVZoo or an equivalent.
        Clickbank is, indeed, a "buffer" between your Paypal account and the transaction. But it's NOT a buffer between THEIR Paypal account and the transaction! Do you ever see Clickbank complaining about Paypal as a payment processor? Any reports out there about THEIR Paypal account being frozen?

        JVZoo is NOT a "buffer". JVZoo is a Paypal-only solution that does not collect the transaction amount into their own Paypal account. Thy are just a facilitator and collect only the transaction fees into their own account. Transactions are still between YOU and Paypal and/or YOU and the customer.

        A little common sense goes a long way. Your PayPal account is vital to your business. Protect it.
        Certainly can't argue that point.

        There are certainly alternative payment processors, but they work under the same constraints as Paypal. At the end of the day, they can't distribute non-existent funds, so they have to protect against fraud, and they are required to abide by the terms established by the credit card companies and other financial institutions.

        An account with any of the alternatives is just as likely to be frozen as it would be with Paypal. Anyone experiencing such problems needs to be trying to understand what they are doing wrong, rather than just trying to find another payment processor (who is likely to freeze their account at some point, as well).
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        • Profile picture of the author Charles E. White
          I too have been with PayPal since 2002 and have never had a problem with them.
          If you let them know when you expect a big increase in your paypal account over your normal then you will be fine.
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          • Profile picture of the author Steve B
            "Permanent solution to PAYPAL freezings?"


            Don't break their terms of service.

            Steve
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            • Profile picture of the author yakim1
              Originally Posted by Steve B View Post

              "Permanent solution to PAYPAL freezings?"


              Don't break their terms of service.

              Steve
              I wish that was the simple answer. I did not break PayPal terms of service. It was just a miss-understanding that PayPal thought my software involved MLM when in fact had nothing to do with MLM.

              My software had a membership module involved and I said you can have unlimited membership levels, which had nothing to do with the payment module and PayPal. Even PayPal has several membership levels with a personal account, business account and a pro account.

              But PayPal took it to involve MLM and did not ask any questions. PayPal considers MLM very high risk and a get rich quick scheme. Nothing on my sales letter said MLM but they think everything is about PayPal and thought the mention of unlimited membership levels for the membership module had to do with them.

              It is my opinion it is much better to be proactive rather than reactive to avoid problems with PayPal. I wish your solution was a true solution!

              Best regards,
              Steve Yakim
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        • Profile picture of the author Sid Hale
          UPDATE


          Originally Posted by Sid Hale View Post

          Clickbank is, indeed, a "buffer" between your Paypal account and the transaction. But it's NOT a buffer between THEIR Paypal account and the transaction! Do you ever see Clickbank complaining about Paypal as a payment processor? Any reports out there about THEIR Paypal account being frozen?
          I stand corrected.

          I just came across this thread, this morning:

          http://www.warriorforum.com/main-int...r-my-mail.html

          So, it appears you also need a "buffer" between YOU and Clickbank
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          Sid Hale
          Coming Soon... Rapid Action Profits (Pro)

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  • Profile picture of the author yakim1
    I love PayPal! I wanted to say that because I have built my entire business around PayPal. It is still functioning well.

    I also wanted to say the above because the story I'm about to reveal for the first time is true and you would think that I would absolutely hate PayPal.

    I do have to say, that if you are not taking in a substantial amount of money every month that PayPal will have very little patience with you.

    I created a software that needed to have its PayPal APIs approved. They had been approved for beta testers for over 2 years. But the person doing the approvals went on maternity leave and I had to deal with new people and they did not want to approve one of the APIs my software needed to function properly.

    They saw more and more people applying for approval of the same software, (new beta testers) that they became impatient and looked at my website, which did not have a functioning order link on it because I had not sold one copy of the software yet and determined that it was a get rich quick scheme.

    I was a total miss-understanding of what my software actually did.

    I'm currently banded from PayPal for life. My name activates the biggest red flag in PayPal to this day.

    However, I still have a PayPal account. I have a PayFlow Pro account and my own personal PayPal representative. It is because of my personal PayPal representative that I even have a PayPal account at all.

    PayPal knows I have this PayPal account and keeps a very close eye on it.

    Here is the kicker...

    PayPal has actually endorsed one of my websites that is running on the software that was deemed a get rich quick scheme. PayPal is doing their second ever webinar with us on Monday the 24th. It is on the subject of letting PayPal fund your next campaign.

    PayPal should ask questions when they decide to ban someone for life, but they don't. If they think you are a risk, they will take action based on the amount of risk you cause.

    When you put up a sales letter, always call PayPal and have them look at it and ask what needs to be changed before you have the site go live. Follow the advice you receive and save the answer that you received from PayPal.

    That way you will have some defense for your sales letter and agree to make any changes they want. All the response will do is show that you are really trying to comply with PayPal rules.

    I hope this has been helpful,
    Steve Yakim
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  • Profile picture of the author veritasvisions
    I've been in the merchant services industry for a while now and here are some facts. If you have a high risk business, meaning a high possibilty of chargebacks, you are ALWAYS at risk to getting shut down. This is the harsh reality. However, here are things you can do to offset the potential heartbreak:

    1) Work with an ISO(independent Sales Organization) that allows you to at least talk to the higher ups. It's good to know that you can contact the people higher up in the company if worse comes to worse. Processors like paypal are horrible because they dont even have a customer service department so when you get funds put on hold, you LITERALLY will not be able to talk to anyone.

    2) Make sure you do everything you can to prevent Chargebacks. A chargeback occurs when one of your customers calls their bank and argues a charge. Typically, you will fly under the radar if your chargebacks are less then 1% of your total transactions for the month. Here are some ways to prevent chargebacks:

    a. Handsdown, the best weay to prevent them is GREAT customer service. If people ask for refunds, Just give it to them. It's not worth them going to their bank and creating a chargeback. Trust me on this. The painful loss in the moment far outweighs the egregious loss later on.

    b. Have your terms and conditions layed out and make sure to only do business with your customers if they have agreed to the terms. In the worst case scenario, if you do have a chargeback, at least you can show the bank that they agreed to your terms. This is still not an optimal scenario.

    3) Make sure to be pleasant and NON DEMANDING with your processor. They act like dictators(just because they can) if you are rude or impatient in any way. They have your money and there is nothing you can do about it. Don't be rude and don't make threats. This will backfire on your horribly.

    4) Lastly, Make sure to be working with multiple processors because if one shuts down, you always have a backup. It is painful to not be able to process for weeks or months while trying to get a new merchant account.
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  • Profile picture of the author nahid7
    Payoneer is excellent.
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  • Profile picture of the author luvtrees
    I do not recommend Propay. They are a nightmare.
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  • Profile picture of the author TheGMa
    Originally Posted by QueenMelanie View Post

    funnily enough, they just froze my Paypal even though everything was legit, so am looking into new payment processors now.. Look at https://transferwise.com/ they are new international payment processor made by the Skype people. looks promising imo
    Hi Melanie,

    1. This is merely another Western Union type of wire company

    2. Funds transfers can only be accomplished thru banks. All wire transfer companies use the banking system. Simplified: Wire office >> company bank account >>> recipient office.

    3. There are no "hidden" bank charges for electronic account to account or bank to bank funds transfers or bill pay. There is a charge for international funds transfers because multiple electronic interbank transfers are required, each of which incurs it's own fee. The originating bank pays the fee, adds its own expenses, and the customer is given the bill.

    - Annie
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  • Profile picture of the author austria
    Banned
    it's a matter of survivor bias. that is why usually you hear from friends "Motorcycles at high speed are fun to drive and very safe"

    Because a majority of all those thousands of motorcyclists who were driving at high speed
    and had accidents most of them are now already dead, so you can't hear their stories "Hey Motorcycles at high speed are deadly"

    The same with those who are still using Paypal, the same like those few motorcyclists who didn't die yet in some accident
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  • Profile picture of the author chrisrusso99
    Authorize.net + Elavon works flawlessly
    Or Authorize.net + greenpayinc.com

    Automated bank wires every 24 and 48 hours, low fees... Combined with a Delaware INC, and you're good to go.
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  • Profile picture of the author RevenueGal
    I had an issue a few years ago where they froze my account for around 24 hours. It certainly was a misunderstanding... and after talking to a representative on the phone... it finally became clear that I was NOT the owner of the website they were freezing my account over. lol I was an affiliate of that site (and this person's site was also legit...it had to do with some wording that PayPal saw as a red flag which was also fixed.) ... it was just one blog post of mine linking to them. From their advice, I "unlinked" and they immediately unfroze my account. So, yes, it took chatting on the phone to resolve it...but it actually took awhile for me to understand the problem -- and then it dawned on both my side and their side that it was a complete misunderstanding. It was a relief for sure.
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  • Profile picture of the author sandalinasan
    I use the Paypal & Skrill. I am sure both of the online money transfer site working good. I have been using these site for a long time without getting any problem. Thanks for sharing your valuable Idea.
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  • Profile picture of the author Alex65
    it is important to have an alternative .. I have no problem with paypal .... if I have an alternative choose skrill, is more focused on sending money between users rather than transitions commercial real but I know that is a good!!
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