As they say - different strokes for different folks. While
some are on here lamenting (genuinely so, though) about the
horrors of Paypal, I just came from a physical meeting with
them. Called a "Focus Group Discussion on PayPal’s Voice of
Customer Research", it allowed me to talk directly with them
about certain concerns and get direct advice on things that
can help me use paypal better. While the main discussion was
with third-party staffs in charge of the research, I got the
opportunity to chitchat with some top paypal people, after the
meeting. To say the least, it was VERY revealing. Now I am
100% sure my paypal account won't ever have "unresolved"
problems in the future as I got to hear DIRECTLY from them
about the what/why/when/who/where/how/etc re the problems
they have with customers and how they can be drastically
reduced, if not completely eliminated.
Even though I was paid for this meeting, I absolutely would
have paid myself for the opportunity because of the things I
learned. It seems I was chosen (with only 3 others) because
of the volume of transactions I have done thus far.
I am sharing this with the rest of you warriors to let you
know that it's not just bad stories about paypal. You can
actually prevent getting your paypal account shut down if you
know what to do and do them. Of course I have suffered paypal
problems in the past with my account being limited in the
early days until I provided the necessary information/details
they requested, but since then it's being smooth saling.
Anyways... some tips I got that can help you prevent problems
with paypal, as an IMer selling digital products, as well as
tips that can help you SAVE MONEY with using paypal:
1. You Can Lower your transaction fees with the merchant rate
Yes, you can indeed pay lower in fees/charges than what others
pay. Many IMers don't know this. Most of us get charged the
standard 3.4% + a certain amount, per transaction that comes
in. But with Paypal Merchant Rate, you can have your fees
lowered to as low as 2.4% + a certain amount.
BUT... you have to be making up to $4,000 a month to be
eligible for the Paypal Merchant amount. In other words, you
would be required to have made the $4,000 the previous
month before you apply. In paypal's words:
"Merchant rate pricing approval is reserved for members in good standing
(whose accounts are not currently under investigation) who meet the following criteria:
Received more than $4,000 in PayPal payments in the previous calendar month"
The $4,000 criteria might be more for you or less, I don't
know. It might depend on other factors, such as your
specific country. Again, I don't know what the amount
might be for your country, but it might be the $4,000,
If yours is $4,000, to apply:
1. Log in to your PayPal account
2. Find Fees link at the bottom of the page
3. Click 2.4% to 3.4% + $0.30 USD link under online purchase payment
4. Click View merchant rate criteria link
5. Click apply now link
EDIT. As noted by JDArchitecture below:
For the US it can go as low as 2.2% (for $10K+/mo) and even lower if you
make over $100K/mo. Also, the rates start to drop at $3K.
2. You Can Request Access to Paypal Business Support Team
If you are making huge amounts daily/weekly/monthly you
should request for access to Paypal Business Support Team,
if they haven't emailed you about it. I was contacted about
this when my trading volume increased significantly. It's a
kind of "customized service provided by PayPal Business
Support Team". Even though I was invited and given this
opportunity I think anyone making large volume trading through
paypal can request this. It wouldn't hurt you to try,
Again, I think this is only for those making hude amounts
daily/weekly/monthly through paypal.
Here are just some of the advantages of having a Paypal
business support team, in Paypal's own words:
PayPal Business Support Team is specialized in assisting fast growing
merchants. Our goal is to help merchants better understand a variety of
PayPal’s services and policies. We also provide professional advice to
help merchants deal with complaints and disputes.
PayPal Business Support Team will use their expertise to guide merchants
to run their online business effectively to determine a sustainable growth.
Here are detailed services provided by PayPal Business Support Team:
1. Provide email and phone services to answer any PayPal account issues.
2. Follow up all merchants’ account issues and respond requests efficiently.
3. Provide customized solutions to help solve your account issues. Agents
will also liaise with you regularly to discuss your case development and
determine better resolutions.
For normal users, our PayPal customer agents will offer you the service
randomly. As your PayPal account managed by PayPal Business support
team, you could dial our direct line to contact us regarding your
questions. We are the team work who will service you more efficiently.
For some cases, we could also help you to follow up.
You could request our call back service if necessary.
We may contact you sometimes to talk with you about your business
performance in PayPal and provide some suggestions to manage your
business better. Also we may notify you in advance to avoid account
limitation issue and other problem.
You will agree with me that with such a support team working
with you while you run your "honest" IM business, the chances
of getting your account shut down without notice will be
drastically reduced, if not completely elimiated!
3. You can always call them up, before a problem occurs
Whether you do get access to such a special Business Support
team or not, you don't have to wait until there's a problem
before you call Paypal. You can just call them up once in a
while to ask certain questions. This is especially if you use
Paypal heavily and have lots of transactions.
4. Reserving some money ALWAYS in your paypal account helps
Don't be too quick to ALWAYS withdraw all or most of
your money from your paypal account. I know many of us do
this so that we don't have our hard earned money holed up
when something goes wrong, but it puts some kind of suspicion
to your account.
If you don't always leave a reserve, nowadays paypal "forces"
this on you, especially if you doing a lot of transactions and
they feel there's some "risk" to your account.
5. Don't give up when you can't get through to a helpful staff
Like any other big company, Paypal has a lot of staffs and
some of them won't be as helpful as others will be. Don't
give up when a particular staff doesn't seem helpful. You
can call again and again... to insist on getting a problem
resolved. Heck, you can even insist on talking to someone
at the top, until your problem is resolved!
6. You can INDEED win more disputes/chargebacks than you think
Yes, you can indeed win more disputes or chargebacks against
you than you think, especially when selling digital products.
Many IMers don't know this but most times the buyers are not
as protected when buying digital (intangible) products as
they are when buying tangible products. For those serial
refunders who love to buy our stuff and immediately turn
around to file disputes, you can win such disputes. The below
thread in here says much more about it and how you can:
Some more tips to help if using DigiResults or WarriorPLus
On a related note... if you are using DigiResults, the
below was my response to a thread in here yesterday
about someone in trouble with paypal because of the
many fraudulent transactions he got through DigiResults:
It's really sad that these scammers are trying to destroy the
awesome system DigiResults has in place. I was a victim of
this sometime back with one of my products on DigiResults.
Some things that can help...
1. Only approve affiliates that you trust or can verify they are real.
Many of the scammers use yahoo or hotmail. Instead of just
rejecting them outright (you can), you should prepare an email that
you send to all affiliates requesting to promote your product.
The email should ask some salient questions that only serious
affiliates will answer. The scammers won't respond.
2. Block already approved affiliates that turn out fraudulent
Thankfully, DigiResults (obviously more worried about this problem
than us) recently added the ability to BLOCK affiliates. So, if
you notice you have a bunch of fraudulent affiliates, you can
block them right away.
So, closing your DigiResults account is not the solution. I
still have genuine affiliates sending me money all the time
with their efforts, from DigiResults. Closing the account will
make me lose out on those sales and will make the genuine
affiliates lose out on the work they have done. Some go
ahead to set up sites to promote my DigiResults offer.
Lastly, DigiResults is very responsive about these issues.
They really worked with me to resolve these issues when
I had them... they quickly refunded the part of their commissions
for the particular fraudulent transactions that took place.
Hope all of this helps. If you have similar INSIDER tips
that can help, feel free to share. I absolutely would
love to know more, to be 200% sure my paypal account
will never have "unresolved" problems,
Edit: For those who are quick to say all this is common sense...
"Common sense always speaks too late. Common sense is the guy who
tells you ought to have had your brakes relined last week before you
smashed a front end this week. Common sense is the Monday morning
quarterback who could have won the ball game if he had been on the
team. But he never is. He's high up in the stands with a flask on his hip.
Common sense is the little man in a gray suit who never makes a mistake
in addition. But it's always somebody else's money he's adding up."
That's not mine, by the way, it's Raymond Thornton Chandler's, ,
the American novelist and screenwriter, July 23, 1888 – March 26, 1959