Paypal: Will they get suspicious if I receive $5,000 into my account

35 replies
I want to promote a certain CPA program and the payout is through paypal. However I am from a non-paypal country and hence have been forced to use my brother's in the States.

I don't want a situation where a certain amount of income enters and paypal begins to ask question. Since its my money but not my account, I can't defend it.

What threshold is safe? What do you think is the maximum before Paypal begins asking questions
#account #paypal #receive #suspicious
  • Profile picture of the author Nikolas
    In Europe they limit your account when you reach 6000 euros, until you provide them with certificates of identification and your business.

    I am not sure what is the limit for US accounts but I guess $5000 is enough to get them suspicious.
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    • Profile picture of the author grandstar
      Originally Posted by Nikolas View Post

      In Europe they limit your account when you reach 6000 euros, until you provide them with certificates of identification and your business.

      I am not sure what is the limit for US accounts but I guess $5000 is enough to get them suspicious.
      Thanks. I have a brother in the U.K but they use Pound Sterling there.

      I still need to know about the U.S
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    • Profile picture of the author Joseph G Spiteri
      It depends on a number of things is your brothers account verified. And in how long has it been for you to get that $5,000. If it's days then they will start to get suspicious.
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  • Profile picture of the author Patrick
    Call them and talk to them. They have a great customer support.
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  • Profile picture of the author noangel
    I often get 4-figure payments from offline clients and have never had a problem.
    I opened a business account and they made me a VIP customer.
    I would suggest calling them and explaining that you are expecting a large deposit
    just to be safe.
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    • Profile picture of the author hardnova
      I agree. As long as you let them know what is going on BEFORE your account swells (in which case you will find it difficult to get your money).

      Originally Posted by noangel View Post

      I often get 4-figure payments from offline clients and have never had a problem.
      I opened a business account and they made me a VIP customer.
      I would suggest calling them and explaining that you are expecting a large deposit
      just to be safe.
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    • Profile picture of the author seonutshell
      Originally Posted by noangel View Post

      I often get 4-figure payments from offline clients and have never had a problem.
      I opened a business account and they made me a VIP customer.
      I would suggest calling them and explaining that you are expecting a large deposit
      just to be safe.
      Good idea. I would record the call aswell so you have a weapon in the arsenal if things go south.
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  • Profile picture of the author talks 44
    They will found you suspecious for sure.

    Here in my country they made limits, and if somebody earns over $500 after a while it's there rule to block the payment, most of the times, they think that how come one is earning that much recently.
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    • Profile picture of the author BrenOHara
      If I were you I'd call PayPal just to inform them you are going to be receiving some sizable payments. I once received around $4000 in one shot and PayPal wanted to know more about that transaction, all was fine in the end but they told me it would be best if I informed them in future.

      Bren
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  • Profile picture of the author t0mmy
    yea best to call them, people always have horror stories about paypal but i find it funny as any time i've had any issues i just puck up the phone and they sort it out very quickly, i dont think they are as bad as people make out, but yea surely phone them as they are funny with stuff like that i suppose its about security really...
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  • Profile picture of the author Megyn
    Banned
    PayPal has been really getting more rigid in their rules. Almost fascist-like if you ask me.
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    • Profile picture of the author BIG Mike
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      • Profile picture of the author agc
        Originally Posted by BIG Mike View Post

        You'd think we could get through one PayPal thread with just answering the question instead of bashing. :rolleyes:
        When the Op was along the lines of "will paypal eff me without grease if I make any money?" I'm really curious as to why you'd think bashing not only would happen, but wouldn't occur? Particularly with how hard they've worked to earn said bashing.

        But on topic... if you expect to be making PPA money in any ongoing capacity, you are taking a pretty big risk letting Paypal even touch your money.

        Get a merchant account as soon as a steady sales volume justifies it.
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    • Profile picture of the author Drew Paul
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      • Profile picture of the author warbar
        Originally Posted by drewdenie View Post

        i agree. What has it got to do with paypal? they are just a shopping cart, not a police force. So unless they have EVIDENCE that you have caused loss or harm to someone, they should mind there own business!
        You owe it to yourself to read the terms you are bound by with PayPal. They can (and often do) do what ever they please within those terms. They are not a bank and operate under a very different set of rules.

        I once had a PP account frozen for 6 months with nearly $10k in it. Didn't break any laws, didn't have any refund requests. This was in an account that had $100k+ run through it over a 3 month period. Off of a sudden, I got an email from PP stating they felt there was suspicious activity in my account. I was left scrambling to find a new payment processor, which I did through my bank. They were more than happy to set me up as they'd seen the money that had been coming through my accounts and knew that I had been an above board customer for nearly 30 years.

        The bottom line is that 99% of the people using PayPal do so without any trouble at all. But if you are one of the 1%, good luck in thinking PayPal has to prove anything. The burden is on you when your account is frozen / funds held. In my case, I did get my funds back in full once they completed their "investigation" and didn't have a single complaint / refund request during the 6 month period. But it was a very harrowing experience to say the least.
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        • Profile picture of the author yugoscontent
          Originally Posted by warbar View Post

          You owe it to yourself to read the terms you are bound by with PayPal. They can (and often do) do what ever they please within those terms. They are not a bank and operate under a very different set of rules.

          I once had a PP account frozen for 6 months with nearly $10k in it. Didn't break any laws, didn't have any refund requests. This was in an account that had $100k+ run through it over a 3 month period. Off of a sudden, I got an email from PP stating they felt there was suspicious activity in my account. I was left scrambling to find a new payment processor, which I did through my bank. They were more than happy to set me up as they'd seen the money that had been coming through my accounts and knew that I had been an above board customer for nearly 30 years.

          The bottom line is that 99% of the people using PayPal do so without any trouble at all. But if you are one of the 1%, good luck in thinking PayPal has to prove anything. The burden is on you when your account is frozen / funds held. In my case, I did get my funds back in full once they completed their "investigation" and didn't have a single complaint / refund request during the 6 month period. But it was a very harrowing experience to say the least.
          ^^^Top post!
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  • Profile picture of the author devonm
    I WAS going to have 1K put into Paypal. I wondered about suspicion, so I sent him information to wire the money right into my bank account, bypassing Paypal.
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  • Profile picture of the author Ben Gordon
    Call them prior to receiving the payment to verify everything and you won't have any problems.
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  • Profile picture of the author millionaireblog
    I'd definitely consider upgrading to a Business Paypal account before you start accepting large figures using Paypal. I know colleagues who have had their Paypal accounts frozen for several months over very minor issues.
    It may be worth looking into accepting money via an online merchant account.
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  • Profile picture of the author Istvan Horvath
    I don't know... All you advising the OP to call them. Did you read the account is NOT in his name, so calling PP would just make Paypal to quickly close the account.

    A USA account used by a 'banned country citizen'? Ar you kidding?

    My son lives in the US and has a paypal account. Once I needed to test a sales process and asked for his login info to simulate a sale. Next day his account got frozen and he had to send/fax in documents proving his ID etc... just because "somebody" was trying to login into the account from a foreign location!

    P.S. The brother in US should call paypal: he owns the account!
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    • Profile picture of the author grandstar
      Originally Posted by Istvan Horvath View Post

      I don't know... All you advising the OP to call them. Did you read the account is NOT in his name, so calling PP would just make Paypal to quickly close the account.

      A USA account used by a 'banned country citizen'? Ar you kidding?

      My son lives in the US and has a paypal account. Once I needed to test a sales process and asked for his login info to simulate a sale. Next day his account got frozen and he had to send/fax in documents proving his ID etc... just because "somebody" was trying to login into the account from a foreign location!

      P.S. The brother in US should call paypal: he owns the account!
      Thanks so much for your response. This is exactly what I need. I might just have to ask my brother to call them.
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    • Profile picture of the author Megyn
      Banned
      Originally Posted by Istvan Horvath View Post

      I don't know... All you advising the OP to call them. Did you read the account is NOT in his name, so calling PP would just make Paypal to quickly close the account.

      A USA account used by a 'banned country citizen'? Ar you kidding?

      My son lives in the US and has a paypal account. Once I needed to test a sales process and asked for his login info to simulate a sale. Next day his account got frozen and he had to send/fax in documents proving his ID etc... just because "somebody" was trying to login into the account from a foreign location!

      P.S. The brother in US should call paypal: he owns the account!
      Good call, Istvan. Remember to have the pin# ready when you call.
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  • Profile picture of the author noangel
    I thought it was obvious that the actual account holder needs to make the call.
    But thanks for spelling it out, I think it was needed.
    And yes, go to the website and get a pin by going to the contact page.
    Then use the pin when you call, it speeds things up.
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    • Profile picture of the author WillR
      Originally Posted by hardnova View Post

      I agree. As long as you let them know what is going on BEFORE your account swells (in which case you will find it difficult to get your money).
      Originally Posted by Ben Gordon View Post

      Call them prior to receiving the payment to verify everything and you won't have any problems.
      First of all I just want to point out the obvious. This is not a fail safe method since if you were planning on laundering money through Paypal you could just as easily call them up and warn them as well. Letting them know before hand is not going to give you a green light to do anything you want. Any suspicious transactions will still be treated accordingly whether you've let them know beforehand or not.

      In regards to what is considered a suspicious transaction, just think about it logically. If your brother has had very little or no money coming in and out of his Paypal account and then all of sudden he starts receiving large chunks of coin, obviously this change in pattern will be noticed and they will want to know why. It's not to say your money will be taken away from you but any normal business would start asking questions when abnormal activity starts happening.
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  • Profile picture of the author Daniel Wilson
    I'd contact them for just in case. I had blocked account once and it took weeks to get the right documents to get it unlocked (there was some stupidity on my side also).
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  • Profile picture of the author dadamson
    Originally Posted by grandstar View Post

    I want to promote a certain CPA program and the payout is through paypal. However I am from a non-paypal country and hence have been forced to use my brother's in the States.

    I don't want a situation where a certain amount of income enters and paypal begins to ask question. Since its my money but not my account, I can't defend it.

    What threshold is safe? What do you think is the maximum before Paypal begins asking questions
    If your account is fairly new and you have not properly confirmed your business yes this may happen.

    Once you reach $1,000 in your account PayPal tends to ask questions and can put your account on hold while they request proof of address, business, name, etc. You have about 40 days or so to act and it took me about 10 days to resolve the issue despite sending the requested information as soon as it was requested.

    This was not a builk sum of money I received though, just multiple recurring payments that tipped the account over $1K
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  • Profile picture of the author charidemos
    I had a similar experience with AlertPay, they even put my account on hold while I had money in it. That was scary. It was resolved.

    But the amount of money was greater than 5k so I think you should not worry..
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  • Profile picture of the author hustlinsmoke
    Your money will be held so fast, it might even actually freeze up lol. Heck I opened a paypal account, started a campaign and had 300 in there by the end of the next day and mine was froze for about 21 days. If you show any difference big difference day to day they will tag you as suspicious and lock that money up. So if your getting or using ten and twenty here and there and all of a sudden get 5k dropped into your account. I just about guarantee you they will lock it down.
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    • Profile picture of the author mikereisinger
      I have a couple horror stories using PP. I had an account frozen years ago with a couple thousand stuck that I could not get to for six months. Calling them did not help at all since they kept repeating "we have noticed suspicious activity on your account" and said little more. It was from a couple ebay sales and a new account, nothing suspicious about it and nothing was charged back. At the time it sucked.

      Used to be a website that was like paypalsucks.com or something, everyone should read the stories and be aware of what MIGHT happen at any time for no reason.

      I can't stand using them but oftentimes we all have little choice.
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  • Be VERY careful with receiving an one-off amount that's way above your average. PayPal has frozen my account (a verified business account!) a few times because of this. It's been a long time I've decided to make a minimal use of my PayPal account.
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  • Profile picture of the author Barry Unruh
    Originally Posted by grandstar View Post

    I want to promote a certain CPA program and the payout is through paypal.
    :confused::confused::confused: Scratching head in bewilderment... :confused::confused::confused:
    Let me ask you some really silly questions....

    #1 - Do you really expect to hit an overnight success in CPA and have $5000 show up instantly in one payment in PayPal?

    #2 - How often does your CPA network payout to Paypal? Weekly or monthly?

    #3 - Isn't your brother going to withdraw the money and transfer it to you as it is deposited?

    #4 - Do you and your brother realize he will be responsible for taxes on the funds once Paypal reports the money going into his account? (He needs to talk to an accountant about this one before you get in too deep.)

    Most likely what you are really looking at is receiving a few hundred dollars per week or maybe more..from promoting the CPA offer and getting paid on a weekly basis. If your brother is consistently withdrawing the money and forwarding to you per your agreed method it is unlikely to trigger anything.

    As you get more proficient a promoting these CPA offers your income will gradually increase which will look very normal to PayPal.

    I think you are making a mountain out of a molehill, unless you have some magical way you are going from $0/week in CPA earnings to $5000+/week in CPA earnings overnight...which I find unlikely.
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  • Profile picture of the author mrdomains
    The fact that you are asking the question probably means you already know, or can guess the answer.

    Do yourself a favor and call them before the money pop into your account.

    Their service is good and you will be starting your relationship with them on the right foot.
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  • Profile picture of the author EuroTrader
    I have personally received $Thousands on a number of occasions and PayPal never hesitated. Of course, you have to pay a big fee for the transfer (or the person transferring does). My account is set-up as a verified business account so maybe that makes a difference.
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  • Profile picture of the author Mike Hill
    Originally Posted by grandstar View Post

    I want to promote a certain CPA program and the payout is through paypal. However I am from a non-paypal country and hence have been forced to use my brother's in the States.

    I don't want a situation where a certain amount of income enters and paypal begins to ask question. Since its my money but not my account, I can't defend it.

    What threshold is safe? What do you think is the maximum before Paypal begins asking questions

    Well, lets see here... If you are in a non-paypal country but your brother is in the USA and the money is coming into his account in your name PayPal may see it as laundering money for the purpose of funding terrorism. Being as it is being funneled from the USA to a country that is not accepted by PayPal.

    Home Land Security will be very interested in that.
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    • Profile picture of the author TheInternet
      This is why I got to know @AskPaypal and did the confirmation ritual on my account before trying to do any business online. I also upgraded to a business account. My account is over a decade old and had good history as a personal account, so YMMV.

      #1 bad business practice for people trying to make it online: not getting to know the processes and procedures of the other businesses you work with. What kind of business do people expect to run if they aren't in sync with all their suppliers and services?
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      • Profile picture of the author Kay King
        old thread, folks ....asked in 2011
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