PayPal Community

@Temp20230412AWe don't use the Virtual Terminal, just the mobile card reader.  Seller Protection has nothing to do with what we're talking about; this isn't about reversals or chargebacks on the customer side.  Sorry about your situation, but what OP and I are talking about is a different issue.   Zettle itself apparently had a bug where they were accidentally making duplicate payments to some merchants' Paypal accounts.  So they initiated something to automatically reverse/recoup those duplicate payments.  The problem is that now Zettle's system is reversing payments that were NOT duplicate payments, on accounts that were NOT affected by the aforementioned bug.  Basically, Zettle itself is straight up unintentionally stealing from people's Paypal accounts.     ... View more

They claimed in one of their emails that they were "working on a solution".  That's literally all I've heard about it.   Knowing the snail's pace that changes like that come at, I wouldn't hold my breath for too long.  Could be a year.   I honestly wonder how much PWC revenue PP is going to lose out on from this disaster. I won't need another seasonal loan for several months, so i'm not particularly concerned...just amused and annoyed simultaneously.  But I feel for anyone else affected by the latest round of PWC nonsense in a more pressing way.   I'm more concerned with the fact that less than a month after we were forced to switch to Zettle, we're already having MASSIVE problems with it (and so are others here).  Mainly concerning payment reversals and straight up theft from Paypal accounts (by Zettle). ... View more

We're having this problem as well.  Zettle has reversed nearly every transaction we've processed in the last 48 hours   I contacted Customer Support, and they said there had been a bug where some merchants were receiving duplicate payments, and that reversals were happening simply to recoup those payments.  However, we had no such duplicate payment, and our Paypal account now has a perpetually negative balance (thanks to Working Capital repayments from those transactions, then Zettle reversing every charge).   CS claimed they would put in for our account to be looked at, but so far it hasn't been fixed...and Zettle is continuing to straight up steal money out of our Paypal account.   I'm absolutely LIVID right now.  This could not have come at a worse time for us, as it is our slow season and roughly 50% of our income is via cards.   Best thing I can tell you is that anyone who is having this issue needs to HAMMER customer service about it.  These reversals may have initially come from a legitimate place for some accounts, but it is CLEARLY affecting other accounts and they need to be aware it's a massive issue. ... View more

Yea, PWC has always gone through phases where a not-insignificant number of people start getting denials for no apparent reason.  It's been this way for literal years.   Having said that...Paypal is forcing everyone to switch from Here to Zettle as of next month, yet they have officially acknowledged that Zettle sales are not counting towards PWC eligibility.  Which, I'd imagine, affects a VERY large portion (if not outright majority) of their merchant base.   There's about to be an awful lot of angry people...and unless they fix it, I'd venture to guess PWC itself isn't long for this world. ... View more

Yes; Paypal Here is being discontinued as of April 3.  You'll need to switch to Zettle for a Paypal-integrated service by then. ... View more

@StonegoddessSAT wrote: Had I known I would not have switched to zettle. Doesn't matter.  Paypal Here is being straight up discontinued on April 3rd (at least in the US); us PPH holdouts don't have a choice anymore.   I'm not going to be needing another PWC loan for probably several months, so I'm not immediately concerned.  But the fact that they're forcing everyone to switch without this being worked out (in spite of knowing for what, two years now...that it's an issue) has me somewhat concerned for the future.  Not to mention incredibly annoyed.   I did notice that they finally fixed it so that Zettle funds appear almost instantly and PWC repayments are taken out.  Seems strange that it's still not counting for income though.   I guess they'll get it figured out when literally no one is taking out PWC loans?  Lmao.   $4.2B company and they still have zero clue what they're doing apparently.     ... View more

It's a continuous problem for everyone right now.  Do a quick Google search or look through these forums (although, weirdly, posts in general from the last few months...including the stickied posts...aren't showing up today; looks like the forums are having issues); hardly anyone is getting approved and no one knows why.  Even the very few who get approved are getting amounts that are peanuts compared to previous loans.   It's been this way for almost a year.  PWC/WebBank haven't said anything, customer service has no idea, and the very small amount of approvals don't seem to have any commonality other than again, being awfully small compared to their previous loans.   I don't think the program is long for this world, and I've spoken to a few business owners for whom this (the lack of communication and disingenuous advertising) was the last straw and are moving all of their business away from Paypal because of it. ... View more

Unfortunately after almost 6 months of this on our end, we just don't care anymore and it's not worth wasting our time on.    It's an obnoxious way to treat/communicate with customers, particularly longtime loyal customers who continue to meet all of the advertised criteria and have never had an issue.  Especially when it continues to be actively advertised and even pushed on us as still being a viable option.   The only reason I continue to pop on here and pay attention to the situation is to be informative to the literal throngs of other customers being stonewalled and misled by this ridiculous way of doing business.   I'll be very shortly moving all our business in general back to Square, who has far more accessible and consistent customer service, lower operational fees, fewer additional charges, and a much more dependable merchant cash advance program than PWC is. ... View more

The thing is that PWC has always been completely algorithm-based; frontline customer service has never been able to actually give people concrete, accurate answers on their chances of approval or exact reasons for denial because they have no idea.  Sometimes they can give general pointers or very obvious things on your account that might be tripping the algorithm, but customer service isn't privy to what all goes into the algorithm.   It's also realtime-based; that's why they just tell people to "keep reapplying"...because under normal circumstances it literally can change on a daily basis or with your very next sale.   The problem with all of this is that when there's an actual, larger issue going on, there's literally no way to report it to anyone that can look into it.  There have been times in the past where something got broken or whatnot on the backend and it's resulted in similar situations; it ends up taking months for them to realize it and figure it out because you literally can't talk to anybody...besides the people who don't actually know anything and can only tell you "keep trying, everything's working as intended".   So either that's what's happening (again, it's not the first time), or PWC/WebBank have all but cut the program and they haven't communicated it to anyone.   Regardless, the whole thing is a joke at this point. ... View more