Trying to contact customer service, but get error message when I send!!

[Handean]

I'm trying to let PayPal know why I will not use them to accept payments from my customers, but I keep getting an error message when I try to send the message... I guess they don't want to help!!! Here is what I was trying to send. "I am setting up my business account and just received my card. However, reading about your policies has discouraged me enough to NOT let my customers pay through you. Accepting payments for me and charging a fee AND then having the nerve to tell me only the first $500 will be available to me and the rest won't be available to me for 30 DAYS is ridiculous and deal breaker number 1! Taking money from customers for my services and then telling me I cannot withdraw as much of that money as I want.... yes, I'm referrring to your withdrawal limits! Is incredibly problematic and should be illegal if it isn't! It is deal breaker number 2! (As if more than one were needed) And to say that these restrictions and limitations can be reduced if I do certain things to appease you is very condescending and not what I put up with from people I do business with! Sorry, PayPal but, maybe you should change your name to PayPirate! Not only am I out, but I am spearing the news of these ISSUES to every social and business site I can reach until you can clean up your act!" Anyone else feel the same??

[sharpiemarker]

PayPal are following KYC and AML regulations as well as managing their own risk.  The reason why PP hold the money is to ensure the money is there in case of a dispute or chargeback the funds are available.  Work around the hold, plenty have done so.  And the hold is temporary until you've built up a history with PayPal.  The money is still there and is yours.  PayPal wants to make sure orders are sent out to customers and good selling practices are developed. Where are you getting 30 days?  It's 21 days or sooner if you provide tracking and PayPal can confirm delivery.  Withdrawl limits are put there because of government AML regulations, particularly in Europe as I understand it or you confirm your account with card and bank account (in the US) to lift limits.  There is Release Amounts as well but that can be increased, if again you maintain a good selling history with PayPal.

More info here:

https://www.paypal.com/us/selfhelp/topic/FUNDS_AVAILABILITY_HC

No need to spearhead anything.  All this stuff is in the user agreement that you agreed to when you signed up without reading it first.

[Handean]

Sharpie, Wow, thanks! The user agreement! I never thought to check there! I'm sure I'll be much less confused about how companies like PayPal or trying to make extra money on their customers money if I just read their user agreements. It's not like PayPal or any other company in history would try or has ever tried to profit from the 99.99% of the population that doesn't have time to read user agreements. You're totally right! I shouldn't try to warn anyone else Dead pay pirate doesn't just make money by charging the fee for your transactions… Because it's clearly written right there in their plane easy to read user agreement that they will also take your entire hard earned revenue... not just profits, but entire revenue stream and invest it for 30 days (... it says 30 days not 21 right above the bold typed "why is this changing?" "When you don't use the Chip Card Reader, the first $500 USD that you accept in a 7-day period goes directly into your available balance. Additional payments accepted without Chip Card Reader are available in 30 days. You can withdraw a payment as soon as it's in your available balance. Why is this changing?" as I'm sure you read the user agreement every month since PayPal reserves the right to change anything anytime - I don't know about tracking numbers my company sells a service so maybe I get **bleep** even worse) AND even if they say you can have"your" money now if you try to use it, you can't even withdraw as much of "your" money as you want! I love your comment "the money is still there and it's yours" Did you work for Bernie Madoff or Enron before? Seriously though, I respect what you're saying and appreciate that you took the time to comment. But, I hope you can respect my right to say when a company has to refer a customer to something in their user agreement, they have already lost!

[sharpiemarker]

Dude there is policies, why people have a hard time understanding this?  If you operated a company, you would need a user agreement or terms of service  Jesus!  Why, because they say so, because birds fly.  And I don't bloody work for these people!  This is a user to user forum. Just telling you like it is. It's just common f'in sense. If you don't like the policies and think they are ridiculous, don't do business with whoever.  Get with a card merchant account then.  I know going in what the deal is and I work around it.  Don't you do your research first to see if a company is a perfect fit for you instead of getting all salty, like reading their policies and their FAQs.  I find them quite interesting to be honest.  Found out a lot of things I didn't know before.  You can really see how it all works.

[sharpiemarker]

PayPal uses holds and rolling reserves and policies regarding chip readers to manage risk for disputes and chargebacks.  If you are selling a service and there is no tracking number, you have to assume some risk for your own business like keeping some money in your balance.  If you lean on PayPal too much for protection, or conduct business that increases complaints and causing disputes and chargebacks, they will quit doing business with you.  Give you the 180 day hold to cover any disputes and chargebacks walking papers. Seen it happen.  Work around the limitations if you want to use PayPal, otherwise, there is nothing else to say.  If you have specific needs with your business, then call their business specialist reps.

[sharpiemarker]

Ok, so the 30 day is for the card chip reader.  Not too many people ask about that in here and I personally have not used PP card readers.  If it is 30 days, 30 days it is.  Make adjustments to your working capital/cash flow.  This is business, not a charity.  Adapt or sink.  If they change their policy, then I would reassess and decide whether to continue the relationship or not based on the change.  PayPal do that people all the time if they are a liability.  You do the same.  Best of luck.

[sharpiemarker]

OHHH! One last thing, do you know that your transactions are not eligible for seller protection when it's through PayPal Here?  That is why they have to have this reserve or the 30 day hold.  PayPal wants to make sure the funds are there in case of disputes and chargebacks.  They do not want you withdrawing all the money and be left trying to claw back money.

Note that PayPal Here is an entirely different thing than using PayPal accounts to pay.  You are charging payments directly to cards and may be subject to credit card merchant terms or policies based on them than your standard PayPal accounts where people log on to their PayPal accounts to pay, even the timing of holds are different.

[sharpiemarker]

Make sure you read user agreements of any other payment processor you are going to use instead of PayPal.  Good luck!