Permanently restricted account.
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
I have received a notification saying:
“You can't use PayPal anymore We've noticed activity on your account that's not in line with our User Agreement, so we can no longer offer you PayPal services.”
I have been using Paypal Virtual Terminal for around 10 years and have done nothing different recently to what I have always done. Paypal refuse to tell me their reason for this restriction. Any advice?
- Labels:
-
Account Limitations
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
The first thing you need to do is figure out what you did (or what could have led them to believe that what you did) is against their policy. If you can pinpoint that then you could try to gather evidence that shows it was a misunderstanding if that is the case.
You really don't have any clue what it could be? In most cases people have some idea what PayPal flagged. What sort of products/services are you selling over VT? Are you doing anything more than VT?
PayPal Partner and Certified Developer - Kudos are Greatly Appreciated!
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Read any user agreement for any payment processor. They are all very similar. Imagine if you owned a massive payment processing company processing billions of dollars, and you were paying out millions covering disputes every year because legitimate sellers were spending money before their buyer was happy, and then couldn't offer refunds when they had legitimate complaints. Even when sellers agreed they owed the refund they couldn't pay it because they spent the money already, and you're left holding the bag. I think you'd be putting policies in place to fix that problem real quick, just like all the processors do.
This theory that they hold your money to earn interest is just silly. They hold the funds to cover any potential disputes that could come from the customers that made purchases in the previous months. Credit card companies are the ones that let people submit chargebacks and give them their money back months later, so PayPal has to hold funds to cover that period of time when flags are raised. Again, all processors have some form of this. It's a very standard procedure, and it has nothing to do with earning a whopping 1% on bank cash right now. If PayPal really wanted to hold those funds they could deploy a lot better than that, but they can't. It has to sit there on hold because it's not their money. It's yours, and you will get it back if you wait out the holding period and you don't have disputes/refunds that use it all up.
As for changing the terms, I get a notification (actually about 10 of them because I have a bunch of accounts) any time the policies are adjusted in any way at all. If you aren't seeing those notifications then you aren't paying attention to your inbox, or you're filtering them out somehow.
I'm sorry you had a bad experience, but I'm curious what sort of products / services you're selling? What sort of volume are you doing? Did you have a major spike in sales at some point? Did you have a spike in disputes/refunds? Give us some info about your actual situation and we might be able to help you figure out how to avoid such problems in the future with PayPal or any other payment processor.
PayPal Partner and Certified Developer - Kudos are Greatly Appreciated!
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
I run a long established touring company for overseas visitors to the U.K. As I said previously there has been no variation in my use of Paypal VT for almost 10 years. However, it seems that it is not something which I did that is the problem. An email from Paypal says:
“After a recent review of your account activity, it has been determined that your PayPal account is linked to other PayPal account that have violated PayPal's Acceptable Use Policy. Therefore, your account has been permanently limited.”
As I do not have a “PayPal account is linked to other PayPal account” this causes me to think that someone has created an unauthorised link to my account. If this is the case then my financial security has been compromised and I need to know just what Paypal think has happened so that I can rectify the situation and nullify this potential security problem.
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Have you called and requested to "escalate the call to a manager"? I've had luck with that in the past.
PayPal Partner and Certified Developer - Kudos are Greatly Appreciated!
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
No account manager. My emails to the addresses suggested just get generic, computer generated replies or are completely ignored. The telephone "Help line" just results in scripted brick walls. I will try your escalation suggestion. Thanks.
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Haven't Found your Answer?
It happens. Hit the "Login to Ask the community" button to create a question for the PayPal community.
- My crypto in Disputes and Limitations Archives
- Was this a phishing email? in PayPal Basics Archives
- I connected my PayPal business account to my Shopify and Paypal immediately suspended my account. in Disputes and Limitations Archives
- Limitations in Disputes and Limitations Archives
- Account funds are unavailable, more than 180 days have passed in Disputes and Limitations Archives