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PayPal - The Good, The Bad and The Ugly?

by Key Largo
28 replies
I was following a thread by I know not whom (silly me, should have made a note) and can't find it now. He had just got 'ex-communicated' by PayPal and needed advice, which he was getting aplenty, but when I follow the link from a 'subscribe to thread' email it leads to a dead end. I've emailed WF, but guess there is nobody around to reply as it's a weekend.

Anybody any idea what the thread was and where I can find it, or maybe it was deleted for some reason, but wouldn't think so as it seemed quite useful and had some good suggestions in there ... including one from me of course

Be interesting to hear from others about The Good, The Bad ... not to mention The Ugly, side of dealing with PayPal. I've not had any experiences either way, although I find the account system overly complex and it appears designed to make it difficult to know what to do (like how to stop an agreement).

I read many highly critical reports about them a few years back and thought I'd steer clear of them, but times change and I have an account, although I'd be reluctant to leave much cash in my account.

There are obviously huge potential problems, as Jason Fladlien has just released a product about avoiding them, or at least how to try to do so. Sounds like Google

Anyway, would be interesting to get some real info from anyone who has suffered or benefited using PayPal and a genuine evaluation of the reasons why, not just 'they shut me down for no reason', even if there was no response from them, maybe upon reflection you found something that you think probably upset them.

... and don't forget, if you know about the other thread and who it was, please let me know.

KL
#bad #good #paypal #ugly
  • Profile picture of the author Will Perkins
    I believe you were following a thread by ccmusicman, but it's since been deleted. Not 100% sure why, but he's got a couple others if you just do a quick search for him (on the paypal subject, i mean).
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    • Profile picture of the author Key Largo
      Originally Posted by Will Perkins View Post

      I believe you were following a thread by ccmusicman, but it's since been deleted. Not 100% sure why, but he's got a couple others if you just do a quick search for him (on the paypal subject, i mean).
      Thanks Will, it was someone else, thread was started within the last few days, it was something like 'paypal just stole money, need advice' ... maybe the title was a bit controversial!
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      • Profile picture of the author Key Largo
        Originally Posted by WillR View Post

        For every one person who has had issues with Paypal, there are probably a few hundred or a few thousand (at least) who have not - in other words it is the minority who are experiencing these problems. The difference is people don't come in to this forum and start a thread to let you know they are having NO issues with Paypal so you never hear from those people.
        Totally agree with you, which is why I thought it would be interesting to hear both sides of the fence - but not so much the 'everything is fine no problems', more like examples of Paypal going out of their way to be helpful, to be set against them going out of their way to be awkward. As you say, problems get into the news more than the opposite.

        Originally Posted by Mar View Post

        I've used paypal as the main payment processor for my shopping cart for years; I think I even had to phone them once about a transaction (the details escape me) and I found them helpful. They haven't become so popular by shutting everyone down. They also have to work within regulations, so I guess we have to give them the information they need (which can be frustrating at times) to keep them and us within the appropriate banking laws.

        Mar
        Thanks, Mar, a positive tick for PP
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  • Profile picture of the author WillR
    It's also important to keep everything in perspective.

    For every one person who has had issues with Paypal, there are probably a few hundred or a few thousand (at least) who have not - in other words it is the minority who are experiencing these problems. The difference is people don't come in to this forum and start a thread to let you know they are having NO issues with Paypal so you never hear from those people.

    It sucks that some fellow warriors have had issues with their accounts and have been locked out for one reason or another but don't just assume because you are using Paypal that the same thing will happen to you. It is more likely that it won't.

    There are definitely a lot of things you can do to try and avoid issues before they arise, most of them were covered in Jason's report so I do recommend you take a thorough read of that.

    I'm just trying to say... it's not all doom and gloom. There are tons of people out there using Paypal who have never had an issue what so ever and probably never will.
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  • Profile picture of the author Mar
    I've used paypal as the main payment processor for my shopping cart for years; I think I even had to phone them once about a transaction (the details escape me) and I found them helpful. They haven't become so popular by shutting everyone down. They also have to work within regulations, so I guess we have to give them the information they need (which can be frustrating at times) to keep them and us within the appropriate banking laws.

    Mar
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  • Profile picture of the author mealley1
    Banned
    [DELETED]
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    • Profile picture of the author david carr
      Originally Posted by mealley1 View Post

      paypal is an unreliable company
      Care to expand on the reasons why you have found paypal unreliable, personally never had a problem with them.

      Regards
      Dave
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      • Profile picture of the author Key Largo
        Originally Posted by david carr View Post

        Care to expand on the reasons why you have found paypal unreliable, personally never had a problem with them.

        Regards
        Dave
        It appears that mealley1's post has been deleted, but I was going to ask the same as you - interestingly it appears the poster just joined WF today.

        I have hopes that this thread will consist of well presented facts and not just statements of opinion with no reasons ... too much to hope for, I suppose
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      • Profile picture of the author Michaelvb
        Originally Posted by david carr View Post

        Care to expand on the reasons why you have found paypal unreliable, personally never had a problem with them.

        Regards
        Dave
        Me neither, working with paypal for about a year now and never had problems.
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  • Profile picture of the author JDArchitecture
    Originally Posted by Key Largo View Post

    some good suggestions in there ... including one from me of course
    You can find your own posts by clicking on your name in your post above and then "Find more posts by Key Largo".
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    • Profile picture of the author Key Largo
      Originally Posted by JDArchitecture View Post

      You can find your own posts by clicking on your name in your post above and then "Find more posts by Key Largo".
      Thanks, JD. I had done this and the post isn't there, I guess that either means there has been a glitch in the system which is why I emailed WF about it, or the thread has been deleted by WF for some reason - it would seem a bit weird to do that, because it means that all the effort by warriors in making posts was pointless. Just have to wait for a reply from WF on this.

      KL
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  • Profile picture of the author cantaxian
    Paypal has limited my account 3 days before just because I clicked on a "Purchase WSO link" to see if I can purchase without a Credit card (We in India are not allowed to make purchases or send money as per the new RBI rule.). The next day my account was limited and the hard earned 11.95$ . Paypal suspected some mailcious activity in my account as I had also processed a withdrawal request to my bank account just a day before that . And Now as a verification they are asking me to link a Credit card which I don't have. I sent a mail to their customer care stating that I don't have a credit card and my bank is not giving me one because I don't have a source of income and Fixed deposit account. Now paypal hasn't replied back and I think I am doomed .
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    • Profile picture of the author Key Largo
      Originally Posted by cantaxian View Post

      Paypal has limited my account 3 days before just because I clicked on a "Purchase WSO link" to see if I can purchase without a Credit card (We in India are not allowed to make purchases or send money as per the new RBI rule.). The next day my account was limited and the hard earned 11.95$ . Paypal suspected some mailcious activity in my account as I had also processed a withdrawal request to my bank account just a day before that . And Now as a verification they are asking me to link a Credit card which I don't have. I sent a mail to their customer care stating that I don't have a credit card and my bank is not giving me one because I don't have a source of income and Fixed deposit account. Now paypal hasn't replied back and I think I am doomed .
      I think that you have to accept that online business security checks will be greater for countries like India, Nigeria, Thailand etc, because of a presumably greater number of fraud attempts coming from those countries. It is unfair when all you're trying to do is make an honest buck online, but companies like PayPal obviously have to exercise more care with these transactions.

      PayPal still ask for all kinds of things like credit cards, bank account etc, no matter where you are based, if they see anything unusual going on, or if your in/outgoings increase much.

      I haven't completely understood what has happened for you, but it sounds as if you tried to transfer money out of PayPal and the next day tried to buy something from funds in that account. If you had no funding source for this, I'd expect them to wonder what was going on.

      You may have to wait a few days for a reply, have you received a support ticket to indicate they received your email?

      KL
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    • Profile picture of the author Heidi White
      Originally Posted by cantaxian View Post

      Paypal has limited my account 3 days before just because I clicked on a "Purchase WSO link" to see if I can purchase without a Credit card (We in India are not allowed to make purchases or send money as per the new RBI rule.). The next day my account was limited and the hard earned 11.95$ . Paypal suspected some mailcious activity in my account as I had also processed a withdrawal request to my bank account just a day before that . And Now as a verification they are asking me to link a Credit card which I don't have. I sent a mail to their customer care stating that I don't have a credit card and my bank is not giving me one because I don't have a source of income and Fixed deposit account. Now paypal hasn't replied back and I think I am doomed .
      Your post made me both laugh an cry a little - I wish there was a buy you a beer button - but then where would the $ go - if not Paypal?
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  • Profile picture of the author BIG Mike
    Banned
    I agree with Will - and I don't have any problems with them. In fact, I've got a great relationship with them on a professional level, especially their development team.

    My take on it is they're the best to use for online business, but be prepared with a backup solution in case they shut you down.
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  • Profile picture of the author Rob Howard
    [DELETED]
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    • Profile picture of the author Clyde
      Hey Rob,

      What shopping cart software would you recommend for the recurring payment and billing?

      Originally Posted by ccmusicman View Post

      Hi Key,

      That was my thread and it was deleted. I have a few theories about why it was deleted, but I won't elaborate here.

      I'm going to start a blog about my battle with paypal and I'll PM you the link if you would like to continue to follow what is happening.

      As for your concerns, the chances of you being banned aren't extremely high. The chances of you having money LOCKED are higher, but most of the time that can be solved pretty fast.

      For most people, paypal is ok. Use them for one time transactions, have a backup (I highly recommend Powerpay - they use authorize.net as a gateway and authorize works with nearly all shopping carts that also use powerpay), but DON'T put recurring billing through them.

      Instead, use a shopping cart that stores the numbers and bills them - then if your merchant account shuts you down, you can quickly switch to a new account without issue.

      Using 3rd party payment processors (paypal, clickbank, 2CO, etc.) for recurring billing is extremely risky because if they shut you down, you lose your entire subscription base.

      Rob
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    • Profile picture of the author Key Largo
      Originally Posted by ccmusicman View Post

      Hi Key,

      That was my thread and it was deleted. I have a few theories about why it was deleted, but I won't elaborate here.

      Rob
      Hi Rob,

      Yes, it was you, I recognise your Avatar and name, but not your WF one

      Will Perkins, my apologies to you, for doubting your wisdom in knowing I referred to Rob's thread, just that the id wasn't familiar and of course no thread to see in his profile.

      It is a shame the thread was deleted (be interested to hear from WF as to why), there were several very useful posts on there and I feel put out having spent some time bothering to construct and post a reply which WF decide to trash - I'll remember to keep copies in future

      Obviously you're having problems with PayPal, I hope you are feeling in better spirits now and that you get it resolved in your favour.

      KL
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  • Profile picture of the author Raiel Schwartz
    Ahh Paypal...

    The Good: Instant cash-outs, especially if you use the
    Paypal ATM Card... Unlimited products you can sell, integrates
    well with eBay.

    The Bad: Use to be hard to find good paypal affiliate
    programs... Signing up to these programs usually eats away
    more at the total % you keep in your pocket as well.

    The Ugly: It's Paypal over your side every time. They
    can freeze or cancel your account anytime, with thousands
    of dollars in it    , and most times you're at their mercy.

    If you will have any heavy load of transactions I would suggest
    connecting with someone directly in the company.
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  • Profile picture of the author Rob Howard
    [DELETED]
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  • Profile picture of the author azmanar
    Hi Rob,

    Which payment processor is ok with recurring payment?

    PayPal is certainly out of the list. Nanacast and AutoPilot are expensive hosted system as well as we have to use their payment system.

    If I were to use a self-hosted application for membership, which payment processor would be safer than PayPal?
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  • Profile picture of the author penpal6
    Like it or hate it, but there is no alternative of PayPal
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  • Profile picture of the author g36
    For deleted thread, try to access the cache page from google. Who knows it's still there.

    For me, PayPal is good. Their customer support is nice. It has lowest fee compared to other payment processors. I never had serious problem with them.
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    • Profile picture of the author Key Largo
      Originally Posted by g36 View Post

      For deleted thread, try to access the cache page from google. Who knows it's still there.
      Thanks, that was the first thing I tried (including going to wayback machine), but the page wasn't cached, just referenced with direct link.

      KL
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  • Profile picture of the author Becker13
    Banned
    as long as you alert them to when big cash flows are coming in, you shouldnt have an issue
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  • Profile picture of the author design2convert
    Almost 70 to 80% of the people were having issues with paypal due to their bad policies and rules, that's why mostly online sites which were working with paypal sincce their almost start has left now, in which you can see outsourcing site microworker.com and if you see main outsourcing sites they have also message issues were running with paypal payments so plz use alternative. Forex, Hyips and other online sites were also leaving them.

    And they were happy to leaving them they have best alternative against paypal, which is prvising same services at very low fee and easily available around the world.
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  • Profile picture of the author Ofthemix
    The only problem I've ever had with PayPal has been with eBay related purchases and this only happened twice. Sounds like a lot to most people. But I was an eBay PowerSeller for a very long time. So two unfair PayPal rulings out of thousands of transactions really isn't that bad, though I was certainly ticked off both times.
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