PayPal Community

https://www.paypal.com/us/webapps/mpp/paypal-fees?locale.x=en_US#SendAndReceiveMoney There are two tabs closer to the bottom of the page, one says "consumer" other says "merchant".  There is also a link further to the right that says "download a printable version"  If you are wanting to buy items, then highlight the consumer tab, then click the "download a printable version" link and open the PDF you downloaded.  All applicable fees and charges are included in that document and it is set yo your geolocation.  When i click it, I get the Canadian version.  When you click it, you will get the version for fees for the US.    Also be careful, if you use a VPN, you will get the version of fees applicable to the location of your VPN endpoint.  So if you want the US version and you use a VPN, make sure your endpoint is somewhere in the continental USA.    ... View more

Uhm, stupid crooks.  They left a paper trail.  Contact your local law enforcement, tell them what happened, give them the info on your Paypal of the bogus account and they can track down the owner of that account.  Find out what kind of information the Police are willing to share and if they would be willing to give you an official report of their findings.  If they are willing to give you an official report that clearly shows that there was a scam, charges were laid, that should be proof enough for Paypal to reverse the decision based on the official report and proof.  There are other ways to prove your innocence above and beyond their "appeal".   ... View more

Couple of things are kind of vague here.  Paypal is telling you that this was a physical transaction, meaning the card was inserted into a machine by someone.  Do you have any idea of where the item was purchased?  The rabbit hole you would have to go down is a rather vast one that could involve lawyers.  The store they were in may have security cameras and able to access the time and date of the purchase and prove once and for all that the person that made the charge was indeed not you.    Also the statement about the EMV chip being embedded into the card and has to be present for the charge to validate is somewhat misleading.  Vendors can bypass the EMV chip and swipe the mag strip instead, thus they bypass the EMV authentication.  BUT they state that the EMV authentication did indeed authenticate, meaning the chip was present.  Whether this is accurate or not is unknown.  They may have just checked the transaction, saw the card had an EMV chip and assumed it authenticated.    If you can locate the store the bogus purchases were made at, check to see if they have security cameras and then ask if they would be willing to check at the time and date the purchases were made to see if there is footage of the perpetrator.  You may have to get the law involved if they are not willing which opens up a whole can of worms that you may not be willing to afford or pay for.   I guess it all depends on how far down the rabbit hole you are willing to go.   Possible idea here.  Talk to Paypal and see if they would be willing to reinstate the card.  Destroy yours. Send them a video of you shredding your card as proof that it is no longer viable.  If there is another charge levied on your account after your card is shredded, then it will be apparent that they have found some way to circumnavigate the EMV security.  Who knows, they might agree for no other reason than to catch a new exploit early before it hits the mainstream.   ... View more

Oh, and one other thing, also check your day light savings time setting.  If your currently under DST, and DST on your system is set to "off" this will also cause the authentication process to fail.  My system defaults to DST on, and the region I live in does not use DST, as such everything was failing.  SO to clarify, make sure your system time and date and time zone and DST settings are accurate for your current location.  If they are not, correct and retry the 2fa addition to your PayPal account.   ... View more

You would need to post the exact steps you have taken, and when that error was presented.  Couple of general things here.  Make sure that the time and date on the device that the authenticator is located is accurate.  Also, do not use any form of a VPN when trying to add a 2fa to google authenticator.  VPN's do not adjust system time or date to the destination region on the VPN app, as such, it will fail when your device generates a code, and the server generates a code based on your presented geolocation.  They will not match and your authentication will fail.   ... View more

This depends on where in the world you are.  Different geo locations have different applied fees.  There is a link on the page for merchant fees that reads "Download a printable version" .  That includes all fees that are pertinent to your location.   ... View more

Check your account to see if there are any outstanding active subscriptions.   ... View more

I take it you no longer are living in the US?  In that case you would have to furnish them with some sort of proof from the time period.  Your passport Photo, student visa or the like would suffice as they are recognized government documents.  Supplying them with documentation like a rent receipt, utilities payment, bills from the place you were studying at.  Supply them with as much information as you can get and present it when you contact them again.    The more information and proof of who you are and proving that you were in fact in the US as a student at the time, will expedite the process.     Best bet, contact support, tell them your situation, and ask them as to what documentation you would be required to submit to alleviate the situation and have the restriction lifted.  Then be prepared to meet or exceed those expectations or requirements.  Do not approach them with simply a "trust me" attitude, as it will almost certainly fail.   ... View more

By the way, this also includes payments received as well as payments sent.  I can not send nor receive more than $400 on my debit card unless I contact them and make arrangements for a one time increase to the limit.  In my case, this can be a one time arrangement or a time based arrangement never more than a 12 hour window.    In the case of a one time arrangement, it looks for a single transaction that exceeds the $400 limit, then reverts back to the $400 maximum.  In the time based version, ANY transaction in that window of time can exceed the $400 limit, but when the end time is reached, it too reverts back to the $400 limit/transaction.  This does NOT effect refunds, only purchases or payments received.  Why they limit incoming cash amounts remains a bit of a mystery, but it appears they put a limit on and any new transaction that exceeds that limit gets rejected.   I am not saying this is your issue, but seeing as I have personally experienced this issue, this is being passed on for information purposes only and may well be worth your checking into.  Also note, that this restriction is only implemented on "personal" debit cards, business based debit cards have a different set of guidelines they follow. ... View more

Quick question, is this payment attached to a debit card?  Some debit cards are implementing a limit for "online" purchases.  My personal debit card has a limit of $400 for each transaction.  Is it possible that your purchase is exceeding a limit that the Debit card has imposed for online transactions?  It may well be worth your time to check to see if there are any new restrictions imposed by your debit card company.   This sounds like a probable cause as it would be beyond the scope of Paypals software as they would only receive a "declined" message from your Debit card financial institution.  That way there may well be no error given, just the message that the payment failed.       ... View more