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That was the most amazing non-answer I've ever seen, lol.  Not that I expect much these days from PP representatives.   I scoured both links and found zero mention of any "tip" function whatsoever.  While that may not be an issue for OP (I'm sure you can just manually enter whatever amount as a regular charge if all you're taking is a tip), it actually doesn't answer the question for those of us who provide goods and/or service but also rely on tips...a specific function that hasn't always been well-designed in Paypal Here.   I'm also curious about the phrasing of "replacing" Paypal Here.  We still use Paypal Here and it functions (mostly) just fine for now...is there a particular deadline we have to fork over money for a new card reader and switch over by?  If so, that would have been nice to know via an email blast or something, rather than happening to find out by chance on the PP merchant forums.... ... View more

@anonymouse78  Yea, a few people (us included) have had that issue too....new buttons, splash screens, or emails telling us we're pre-approved for another loan and still persistent denials.   Makes me think there's actually something wrong with the application system or algorithm (it wouldn't be the first time over the years there's been issues there) and for some stupid reason they've not noticed or bothered to fix it.  It's astounding.   Personally, I wouldn't care so much except they constantly advertise it to me.  Like seriously, stop wasting my time.  Your program is broken; come back to me when it's actually fixed. ... View more

No one knows.  It simply seems that very, VERY few people are getting approved, but literally no one knows why.  It's been going on for close to a year now; there's new posts here on a weekly basis about it.  Paypal and WebBank have been completely silent on the issue; customer service reps have no clue because it's all automatic and algorithm-based and their job isn't really about figuring out why people are getting denied (they're just as out of the loop as any of us, so of course their default answer is to just "keep trying").   As far as the other commentator's wall of assumptive and anecdotal blather....none of that matters.  We've all been through the typical, simple stuff...this isn't our first rodeo with PWC's notoriously picky algorithms.  No one I know that has been denied (and that's dozens of people over the last few months) ever did sales through eBay, sales for many of us never fluctuated, all of our business information is correct and up to date...the list goes on.  And yet, many people have gone months, even a year without being approved now.   No one actually has any answers, unfortunately. ... View more

I don't know why you guys insists on refreshing old threads from one, two, even three years ago constantly for this.  Lol.  There's a new thread nearly every week right now.   PWC is having major problems; virtually no one is getting approved regardless of their situation.  No one has any answers, PWC and WebBank have not said anything, CS has no clue what's going on, and there's no magic tricks to get approved that anyone is aware of.   The program is virtually dead and literally no one knows why.  It's been this way for quite some time now. ... View more

Good luck.  These forums are filled to the brim with posts from people with the same story as you and I.  There's been at least 2-3 new complaints on this site alone every single week for the last several months.   There's no magic trick, no secret formula that any of us are privy to that you are not.  PWC is simply barely loaning to anyone, and even the rare person I have found that has been approved, has gotten a very small amount compared to normal.   Neither PWC nor WebBank (the underwriter) have been transparent about it or explained anything at all.  Customer service is useless; they don't know what's going on.  People who claim to have had some amount of success by doing "x" or "y" are full of it; it's been purely coincidence.   Either the program was severely cut back and no one at PWC decided to be transparent about it, or something is seriously broken with the algorithm (again) and for some bizarre reason no one at PWC has noticed or fixed it.  Either way, no one has any actual answers. ... View more

Nope. Almost 4 months now since last loan payoff and no approval here.   Seems to be the story for nearly everyone around here; dozens upon dozens of complaints on these forums alone just over the last few months...with lots of people contemplating similar moves.   Not that they owe us loans by any means, but the complete lack of transparency or explanation by PWC or WebBank as to what's going on or what has changed has turned the entire PWC program into a joke.  Not to mention they continue to advertise the program and encourage businesses to keep applying even though the vast majority are getting denied for reasons completely unknown to anyone, which is frankly bizarre.   I can't wait for them to shut down Working Capital based on "low revenue" or whatever because they were too brain dead to realize their system was rejecting 90+% of their applicants...applicants who meet all of their stated (and hidden) criteria.   Sorry; I'm just kinda over it at this point.  I know a lot of folks are. ... View more

Unfortunately, the vast majority of us have not had major, fundamental changes to our business types or incomes....and I, for one, refuse to lie about any of it (and in some cases it's pointless, because the system checks that info anyway).   It's great that that seems to make a difference in niche cases like yours (though perhaps it was just coincidence), but it doesn't really solve the core problems with PWC right now. ... View more

Still getting endless denials (usually "industry not eligible" denials) for absolutely no reason on my end, and there's usually 2-3 posts here per week with the exact same complaints.   It's the same if not worse.  Whole program is a joke at this point. ... View more

@Redwoodrogers    Why would you resurrect a 3-year-old thread when new PWC threads with the same complaints pop up every single week?   Regardless, anyone even getting a PWC loan at all right now is extremely lucky, but for far different reasons than 2-3 years ago (when OP and followup commentator both posted). ... View more

If you take a look through these forums, you'll see that PWC has some major problems right now.  There's at least 2-3 posts per week of longtime customers getting denied for random reasons, reasons that don't make any sense, or no reason at all.  The algorithm also often spits out default "fallback" reasons that may or may not be the exact reason for denial.   Either they severely tightened up the restrictions on their lending and can't be bothered to tell anybody, or something is very broken with their algorithm (which has happened before) and they haven't fixed it (or for some insane reason haven't noticed).   Either way, barely anyone is getting approved right now, there has been zero transparency from PWC or WebBank, and at this rate even if they loosen up lending I'm pretty sure they've alienated their entire customer base.   But yea, at the end of the day none of us has any answers.  I wish we did.   ... View more

Yea, we recently got that too.  They keep bombarding everyone with new invitations to apply, but are still categorically denying everyone for no reason at all....even longtime customers who fit the application criteria perfectly.  And the denials keep coming for months.  It makes zero sense.   I'm starting to think something with the algorithm is seriously broken (wouldn't be the first time) and for some absolutely insane reason this time they haven't noticed. ... View more

It shows back up after a few days; this last time it took about a week for us actually.  Until then, you can actually backdoor it and find the direct application link in the PWC FAQ page.   Having said that...good luck getting another one.  Almost no one seems to be able to get a PWC loan right now, even longtime customers with perfect loan histories.  They're categorically denying almost everyone.  Just a heads up. ... View more

Yea, there's been like ten of these posts/threads here in the last 2-3 weeks alone.   Tl;dr: A few people have finally gotten approved very recently for small amounts after months of trying, but most are still getting denied for no apparent reason.  Literally no one has any actual/specific answers or clarification on any potential criteria changes. ... View more

I'm happy for you!  Glad you got the funding you needed.   Unfortunately we're still getting denied as of today. ... View more

Do a quick search of these forums.  Almost no one is getting loans for some reason....many of us also getting the 602 industry denial...and no one knows why.  Paypal and WebBank have been silent on it, and PWC customer service just spews the typical "keep applying daily, things can change" nonsense because they don't have a clue either.  Some of us have been going through this for months.   PWC certainly doesn't owe us loans, but this way of doing business and the lack of communication is some of the most asinine stuff I've ever seen from a financial institution...or any business, really.   I wouldn't mind if, for whatever reason, they were shutting down the program or tightening up on it or whatever.  That's their prerogative.  But if that's the case, TELL US.  Don't keep telling us all to "keep applying" and continue putting the invitations on our dashboard and telling us that everything's fine and normal.    ... View more

Nobody knows.  Very few people seem to be getting them; your story is the same as many, many others over the last year or so.   Customer service has no idea, Paypal and WebBank have not said anything or commented on it...we're literally all just as much in the dark as you are.    There's no "trick" to it or anything else.  Believe me, we've all been trying to figure it out for a long time.  All we've been able to do is guess and speculate, but no one really has any actual answers. ... View more

I'm glad you were able to get something!   Codes have changed a few times for us (usually bouncing back and forth between the 602 and 911 codes), but still no dice after nearly a month and a half...so yea.  There's really no reason for it; we've had no significant deviations from normal in sales trends regarding spikes or dips, business overall has been normal for several months, we don't sell on eBay, we've never had any holds or disputes, and the nature of our business means we don't ever have any open/unpaid invoices or anything. Etc.  It's bizarre and frustrating.   PWC's big selling point has always been that it's easier to secure a loan from them than it is to get a traditional loan from a bank or whatnot, due to relaxed criteria.  I'm really not so sure that's the case anymore....it's almost harder and it's definitely far more random.  Not to mention the lack of transparency is insane. ... View more

If you do a cursory search of these forums and others, you'll see that pretty much everyone is getting declined for PWC loans.  Even longtime customers with perfect sales and repayment histories on multiple loans.   No one knows what's going on, not even customer service, and neither PWC nor WebBank (who underwrites the loans) have said anything or addressed the issue.   Best you can do is swamp their "Feedback Survey" (on the left hand side of your PWC dashboard) daily and hope the issue eventually gets fixed or they at least publicly address the issue and decide to be transparent about it. ... View more

Yup.   This is why I've been saying I don't think they're lending to anybody (if they are, it's maybe 10% of their usual base) and tbh I'm pretty sure PWC may not be a thing at all soon.   Literally all I've heard from dozens and dozens of people on here, Reddit, Facebook, etc. over the last two months is that PWC is refusing to loan to pretty much all of their previous customers, with the 602 "industry ineligible" being the most common denial reason.   Either they've shut it down and still haven't had the common sense or balls to be transparent about it, or something is very broken with their algorithm (again; it wouldn't be the first time it's happened over the years) and for some reason no one at PWC or WebBank has had the brain cells or wherewithal to notice.   They certainly don't owe us loans, and if a business isn't going to survive without a PWC loan then tbh it wasn't going to survive anyway.  But it's certainly an absolutely laughable way of doing business...and even if they start loaning to people, or fix the problem with the algorithm, or whatever else is going on, they're quickly losing their entire previous customer base.   Believe me, we're all just as frustrated with it.  PWC is great when it works, but the program, system, and customer service is amazingly inept when it doesn't and it's probably the least dependable system in the industry. ... View more

Unfortunately, unless it gave you clarification at denial, no one really knows....customer service included (honestly half the time they just give you guesses).  You might get further clarification via mail in a few days, but even that's hit or miss.   This is pretty much the story with PWC lately...either random denials or "industry not eligible" denials.  I've come across dozens and dozens of longtime customers with solid sales and repayment histories being denied for no apparent reason over the last few months, and no one knows why.   Personally, we've been denied for a month straight in spite of consistent, steadily increasing sales, meeting all the requirements, having a solid repayment history, and having 4 previous loans over the last 4 years or so that all remained in good standing their entire term.  Customer service is useless, and all they can tell people in the end is to "keep trying daily" as usual.   The utter lack of communication and transparency from PWC and WebBank would be hilarious...if it wasn't so sad and frustrating.  They've gone to such great lengths to alienate their entire customer base that one almost wonders if they have no real intention of keeping the program going much longer. ... View more

Good luck!  ( I mean that sincerely.)   I've seen a couple of people get approved in the last couple of months [for surprisingly small amounts], but even that's been dwarfed by the sheer number of people getting random denials or being told that now, suddenly, their industries (a wide variety of them) "don't currently qualify for Paypal Working Capital".   Do you mind me asking what industry you're in? ... View more

Remember that the cap is lower for your first two loans, then it gets raised substantially.  It's always been that way.  Max cap after that has always been somewhere between $125k and $200k, though I've never personally witnessed a PWC loan of greater than 100k even in normal times.   However, also keep in mind the max loan seems to be literally zero for most people right now, regardless of their sales or industry...as PWC is barely lending to anyone for whatever reason. ... View more