Wow! I've had the same problem appear all of a sudden. Instant Transfer option disabled. I have talked to customer service and read the explanation provided as a response...something is still definitely wrong. My credit card is not expiring in the next 30-45 days, I do have a credit verified, as well as multiple bank accounts, and I have never had a failed transaction or problem of any other kind with transactions on PayPal. I have a verified merchant account with no limits and out of the blue, I can't do an Instant Transfer. The alternatives of eCheck and credit card are unacceptable as they come with higher costs and/or longer wait times for funding. This is obviously something new based on the posts I am seeing here. Whomever made the change to the PayPal security model needs to take a good look at the change. Increased security is not supposed to translate to increased hassles and frustration for customers in good standing. As other have indicated, the PayPal help desk people were no help at all. Not only could they not tell me the specific reasons for the security block, but they are unable to override the block and allow the transaction. This is not a good business model. Credit companies conduct security checks and will even call customers if a transaction appears questionable to verify the transaction. Once the customer verifies the transaction, it goes through. The supervisor at customer service told me they can't do that because doing so would also clear other customer's transactions at the same time. Ridiculous!! Who ever heard of a financial system that binds unrelated customer accounts/transactions together like that? If PayPal wants to play in the financial world, acting like a bank and credit provider, they need to be able to "act" like a bank and credit provider. Binding customer transactions together in such a way that an individual transaction is no longer autonomous is a bad thing in the financial world. Either the supervisor didn't know what they were talking about or PayPal needs to take a good look at their financial software and make it work correctly. This should never have happened and needs to be fixed ASAP.
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