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See what reviewers are saying

Rated 1 out of 5 stars

I have been a customer of paypal for 20+ years. I created the account so long ago that I forgot a lot of the original info I used to create it. And since then have transferred it to a new email. Re... See more

Rated 1 out of 5 stars

Sold an item on eBay. Buyer refused delivery, then filed a case with eBay and lost (no returns or refunds). Buyer then filed a case with PayPal and ended up getting a full refund. So I guess we can ju... See more

Rated 1 out of 5 stars

I used to consider PayPal somewhat for the customer until this week. First my scheduled payment via PayPal website was late (WTF??? how it was scheduled weeks ago) Secondly because I was aggravated wi... See more

Rated 1 out of 5 stars

You can't talk to anyone when you call them. First of all the phone # is buried in the website and not easy to find. Then when you call, after being instructed by the online help that couldn't resolve... See more

Company details

  1. Association or Organization
  2. Alternative Financial Service
  3. Cryptocurrency Service
  4. Financial Consultant

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Find out why you should avoid paypal and use an alternative. Exposing problems behind the PayPal payment system. Frozen accounts, scams, news reports, user experiences, fraud, theft and more.


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1.3

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TrustScore 1.5 out of 5

63 reviews

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Rated 1 out of 5 stars

- Get your sign in system together

- Get your sign in system together!
I have an account with Paypal for over a decade.
I have had my deep grievance over how paypal had handled some of my affairs in past, but I am thankful to Paypal that I am using.

When I am abroad, I go through hell each time I try to sign in to my account.
I is tremendously unfortunate a financial portal that benefits on every move of client has such a broken and demoded sign in and verification system. Now it is digital age, and many accessible means of verification there are, you dont have to have also an active cellphone number [available in your database] to be let in. you are not as important as my banks, but I never ever have a woe signing in my banks online, not a second. You know why, they keep it simple and customer friendly. Only a sign in an a check in code to your email or given number whatever it is. Your damn website judges if it is mine, or in your data base or what...
Please get damn you manager head together and renovate a more customer friendly process system.

May 15, 2020
Unprompted review
Rated 1 out of 5 stars

For years I refused to even try to use…

For years I refused to even try to use Paypal because of previous really bad experiences.
Now, after trying to work with them again I am reminded of why I didn´t want to ever do business with them again.
I just recently updated all my account info and recorded it.
I tried to add a bank account and they sent me an email saying that they had deposited two small amounts into that account and that I had to confirm those amounts.
At that point I was unable to log into my account.
The very email address that I am using to log in with they are saying that they don´t recognize and yet it is the email address that they sent the notification to regarding the two small bank deposits.
Their feeble options to contact them involve, guess what, LOGGING IN!!!
To access the community forum and or to send a message YOU HAVE TO LOG IN TO GET SUPPORT TO HELP YOU FIGURE OUT WHY YOU CAN´T LOG IN!!!! Sorry, but that is beyond pathetic.
Avoid PP at all costs, if you can.

March 20, 2020
Unprompted review
Rated 1 out of 5 stars

American greed and executives at paypal

I couldnt give less than 1...after years and years of using ebay and paypal slowly watching them consistently side with buyers hearing horror storys i just could not believe..and defending them "paypal"....it finally happened to me....they flat stole 4850 from me....900 in my paypal acct vanished then they went after my bank despite me explaining my computer had been taken over by an extremely good hacker so I hired an I.T. professional. he documented the 426 attacks on my computer the trojan virus that i understand allowed them to take over my computer ....but when i appealed their initial denile of my claim and on appeal was told a again denied!! Even with proof my computer had been taken over that. "its all in order"...you know what it was? 4850 to ship a mercedes from Russia!!!!! Thats not even close to the small time coins and cell phones and stuff they knew it wasn t me...they steal without caring who they harm...and just try and get a person to listen to you...this is a publically traded company the board should be embarassed!!! My life is torn upside down...Amex caught it ..my bank caught it but paypal who insists to us out money is. safe? Shame on the ceo shame on the board...you see that show american greed? Paypal. My only hope now is a real person the great firm of bull dog attorneys..see the techs work ...documentation ...or if a real person a human with compassion and a conscience.. will contact me.....if your puter is ever flooded with hundreds of foreign emails turn it off and call your bank your credit cards and if your unfortunate enough to be using paypal.. then call an attorney because youll need one...i loved paypal used them all the tim dailey...defended them...now i see this site of so many people who e been swindeled....Theft is theft there is no other word for it. Forgive my texting errors my anger... 4850 is a lot to me a house payment and childs medication i cant pay now my credit ruined we were going to refi the houses....all because paypal would rather believe i transpirted a merceses from russia its its absurd. I only hope pain and suffering hurts them as they have us and my son.
Paul Dodds. Lees Summit Mo....this is not over paypal....shame on you...your board...the CEO....theft js wrong Greed is wrong..a once great company flowing in Romes footsteps!

March 17, 2020
Unprompted review
Rated 1 out of 5 stars

PayPal is garbage

PayPal is garbage! They stole my $$. It’s a long story but they had no customer service and could not care less about me. I deleted my account and will not use them to send or receive money again.

February 19, 2020
Unprompted review
Rated 1 out of 5 stars

PayPal isn’t for the consumers they are…

PayPal isn’t for the consumers they are for the seller’s. I ordered a phone case and earbuds from Madness case company well I never received the earbuds which was the most expensive item. Come to find out the Company isn’t really Madness case company or Geardate or several other businesses names it’s put through a fraudulent company called Swaq international which all three of theses companies are using fake addresses one is a Costco in California and the other is a Electric Company Dotson electric in Kentucky. I personally spoke with them and they are receiving the returns so customers items are not really being returned for refunds. The address for Swaq international is a residential home in Canada so PayPal wanted me to send my phone case to a house in Canada for a refund. The whole thing is totally crazy. I didn’t want to return the case because of this. PayPal doesn’t have English speaking customer service agents that I have talked to. I also made an complaint with the FTC, IC3 which is the FBI and BBB but they don’t do anything either. Theses fraudulent companies have been ripping off consumers since 2014 and NO ONE WILL DO ANYTHING TO STOP THEM.
So beware you can look at theses companies Facebook pages and see how many customers have been ripped off. I’ll list them for your safety.

1) Madness Case Company
2) Geardate.com
3) Swaq international
4) Pearzone.com
5) Hoplady
6) Rap Blue.com
7) Luck um.com
If I could research this so could PayPal but again they are not for consumers but for the fraudulent companies out there.

February 13, 2020
Unprompted review
Rated 1 out of 5 stars

This company is THE WORST

This company is THE WORST. Every time I call them, they put me on hold for forever. Then they outsourced their customer service to people that speak little English. Then when they finally do understand what you are saying to them, they never help resolve the problem right away. It usually takes me multiple phone calls to solve an issue with them. They even sent me an email stating that I canceled my contract with paying with them through Ebay, which I did no such thing. Then their stupid website is ALWAYS down. Something is always wrong with their website. Now they didnt credit one of my payments so now I'm stuck calling this garbage company to fix that. This is only the PayPal half of it, dont even get me started with their xoom customer service who will send your money over once or twice and then wont send any after that because you "fail" their multiple question test that they give you about the person you're sending to. I miss when they were "billmelater". When they were "billmelater", they were so much better and actually had people who spoke English answering the phones. I hate PayPal.

December 1, 2019
Unprompted review
Rated 1 out of 5 stars

Paypal is crazy

Paypal is crazy. A buyer returned a set of steak knives from my ebay site after four months of use claiming that they were not fit for purpose, one had fallen apart. Well let me tell you, the buyer was not fit for purpose. The knives were in a filthy disgusting condition and hadn't seen some water from the day they were purchased. And guess what, without giving me a chance to put my side of the argument forward paypal just automatically and merrily refunded the buyer. Must try that one myself, buy something with paypal, trash it for months then return it and get a 100% refund ... mmm ... will it work with a new Ferrari ,,,

August 24, 2019
Unprompted review
Rated 1 out of 5 stars

Probably the worst customer service…

Probably the worst customer service I've ever dealt with. I currently live in Portugal but have a Swedish PP account. I couldn't withdraw my funds to my Portuguese bank account because this account had to be in Swedish currency, SEK. So I opened a Portuguese PP account and had a friend be a mediator for my accounts as you can't transfer funds between 2 PP accounts belonging to yourself. This is only solution. I have not lived in Sweden for some years now and have no Swedish bank account anymore. However, Paypal rejected my explanation and have now decided to hold my funds for 180 days.

When my friend made the transfers they were listed as purchases on my account even though he clearly sent the funds as a gift. We even replicated this error twice just to see if he made a mistake and choose the wrong transfer option. I had the option "get you money soon" but had to provided shipping details etc even though this was a personal transfer from a friend and select as such.

I don't even want to start describing the customer service. JUST HORRIBLE

June 17, 2019
Unprompted review
Rated 1 out of 5 stars

I am very annoyed with Paypal.

I am very annoyed with Paypal.

They refunded the money I paid for a perfume that I really wanted I purchased from Ebay and was expecting the product. They canceled my transaction 1 week after the purchase without the permission of the sender or the seller. There was no reason except that there may have been a glitch

After being on the phone for hours yesterday waiting to speak with a supervisor who told me that she would rectify the situation by sending the money back to the seller, nothing was done. The agents bare speak English and they seem to have trouble understanding and cannot reply without reading a script.

I was hours waiting to speak to a supervisor today. When i finally spoke to the supervisor she told me that it was impossible to send the money back to the seller. The first supervisor gave me the wrong information and false hope.

This was a gift for my mother. Owing to Paypal's stupidity she will not get her gift by April 19 even if I place the order again.

Paypal has really gone downhill. I have been a customer for 12 years and I am extremely unhappy.

If there is a glitch with Pay After Delivery....FIX IT!!!!!!!!!!

Otherwise I will not be able to make any more purchases with this horrible company until it is fixed.

A very unhappy customer,

April 6, 2019
Unprompted review
Rated 1 out of 5 stars

Incompetence on steroids

It has been more than a month after initially notifying them of a problem which they have still to correct. The techs who have corresponded seem to be the most inept I've ever come across in any company.

January 14, 2019
Unprompted review
Rated 1 out of 5 stars

PayPal took money from my linked bank…

PayPal took money from my linked bank account, unauthorized. It supposedly went to an organization that I've donated to before, but they did not receive it. My bank refunded the money, and I unlinked my bank account. Now my PayPal account is restricted unless I send them personal documents--which I refuse to do. But they won't let me close my account--which I want to do-- and if anyone sends me money, I won't be able to access it.

I spent 4 hours on the phone with PayPal before contacting my bank, and got nowhere. The most frustrating financial issue I've ever had.

Is there some legal entity to file a complaint against PayPal?

October 27, 2018
Unprompted review
Rated 3 out of 5 stars

PAYPAL ARE A BUNCH OF INCOMPETENT…

PAYPAL IS A BUNCH OF INCOMPETENT THIEVES... UNLUCKILY THEY ARE ABLE TO KEEP IN BUSINESS, AND IN THE TOP TIERS, I DON'T KNOW HOW. BUT IT SHALL PASS!
THEY STOLE ME MORE THAN $30.000
YES: RIGHT $30K AND ...
FOR 6 MONTHS!!! - AM NOW CELEBRATING BECAUSE I WAS ABLE TO GET THE FIRST 1/3 YESTERDAY.
CAN YOU IMAGINE WHAT DOES IT MEAN FOR THE AVERAGE PERSON? DESTROYING THEM... Some frail ones may kill themselves for that.

AND WITH MILLION OF users, do you know what it means?
That on top of billions in commissions, and in extorting fraudulent exchange rates (if you get payments in other currencies), they make
MILLIONS in investments with your money!
scum!
As a company, and the single individuals responsible, they have to pay... and pay more than the worse criminals! At least the criminals have the dignity of not presuming to be iffy for their legality.

I Don't know ANYTHING OF THE PAYMENT PROCESSOR PROPOSED BY PAYPALSUCKS.COM!!

April 10, 2018
Unprompted review
Rated 5 out of 5 stars

They are true

They are true. I really appreciate that they are taking a part to spread awareness about using this hell (paypal).

September 27, 2017
Unprompted review
Rated 5 out of 5 stars

Listen to this clip and use it on record

Download this clip and pass it on to all individuals with a business merchant account with PayPal or Square and listen to the last ten minutes if you don’t want to hear the full hour. It is hardcore. Email me at ericplott@hotmail if you would like a copy of this important audio clip download and pass it around please.

Classic moment as Eric Plott calls out PayPal top supervisor of the company and calls them out and Zionist shill scam criminal Bankers are left speechless. Everyone needs to here this, if you are at all suspicious or concerned about online virtual banking with PayPal or Square. They are stealing people’s money and getting away with it. Take out your money with PayPal and come join us at flashback. Eric Plott is now an executive agent for a real trusted online banking Gateway and he can sign you up and get you lower rates than PayPal for your business, and if he can’t he will give you $250. He offers card King, processing, and API gateways for your website to check out.( CALL HIM TOLL FREE 855-841-9659 TO SIGN UP AND GET FREE evaluation. No hidden fees costs and Speedy transactions, and most importantly NEVER FROZEN ACCOUNTS OR HOLDING ACCOUNT DOWN!! 48 HOURS AND ALL YOUR PROFIT EARNINGS GO DIRECTLY TO YOUR MERCHANT BUSINESS BANK ACCOUNT). We are starting a anti PayPal protest. For all those of you out there who have at criminal activity against you from this company. Post your experience below start a group and get the word out. Feel free to use this entire audio clip segment, keep in mind the final conclusion is near the very 4-18 minute mark towards the end. This is not an edited clip , raw footage they don’t want to get out. it is wrong, that is why it is towards the end, you might want to fast forward to that part. All you have to do is go to trustpilot.com and look up Paypal leave your review there. The best part of this audio recording is the last 10 minutes. That’s where you will hear me talk to the top supervisor and call out and expose their illegal activity once and for all. Hear how they literally took all of our earnings at Plott palm trees Productions over the years with a hold of Frozen account, appeal with no limitations or limitation with no appeal... They have done this to over 3,000 other accounts and watch as I tell this Banker what’s up. The facts hurt. And these are the facts ma’am.
BEWARE OF KEEPING YOUR MONEY IN THIS CROOKED BANK. SMART TO WITHDRAW ALL YOUR MONEY TODAY, We can do everything that Paypal does, but cheaper, no holdings, no limitations, no power over your hard earned money.
Yeah I did contact PayPal. Because of these Transitions and your website, PayPal, has limited my account with no appeal, meaning I cannot withdraw or deposit any funds or do any authorization on my account. There are no disputes open, but my limitation makes it where you cannot refund me. I’ve talked to you guys before on these three transactions and you have assured that I will get a refund. However I cannot escalate this dispute through Pay Pal, and they have already stated they will close my account and 180 days. It is not ethical for you guys to not issue me a refund, even if I don’t have a PayPal account. I would like it if you guys could reach out to me and somehow issue my refund. This is unfair and unethical if I cannot get my money back, because I have not received a single item on these three transactions. Which almost amount in $4,000. I do not want to have to make the big ordeal about this, it is Criminal what you’re doing and illegal. I hope you guys will contact me at 855-841-9659 to help me get my refund. Perhaps you could write me a check or wire the money to my bank. I have the receipt, and I have had no products ship to me. I want a full refund please. Through a different route other than PayPal. This event caused me to lose my PayPal account. I called and left a message on your machine.

October 30, 2016
Unprompted review
Rated 3 out of 5 stars

PayPal sucks in its proper meaning; SUCKS

Once upon a time PayPal used to be as good as anything but, now PayPal DOES NOT care any longer about the 'BUYER' but instead sides with the 'SELLER' who after all cheats you both not to say; screw you from front and behind. I have recently experienced a nightmare with three Chinese sellers and joining them (at least one of them) PayPal who do not even read the seller's e-mails as they have ROBOTS in front of their P.Cs. PayPal can go to hell as from now on I will try as much as I can NOT TO USE PAYPAL any more! You do not believe me? Well, hope that you would have the same experience I had so that you would learn the bitter way!

August 26, 2015
Unprompted review
Rated 1 out of 5 stars

Paypal email accounts. BEWARE!

I read an article recently that Paypal have been in trouble in the USA with data and this is a further cautionary tale that shows you mustnt use paypal under any circumstances. I tried to open a paypal account with my email address and discovered that its already in use with paypal with a lady in the USA. I know this because I went through their security checks and shut down her account and i got the email to say that I had, revealing her the last 4 6 digits of the other woman telephone number. When I spoke to paypal 'customer service' woman(yeah they are a joke!) to advise this and to explain their was a major issue, she said that she would email the other lady to advise the problem. Guess who got the email. DONT USE THIS COMPANY, YOUR DETAILS ARE NOT SAFE.

June 10, 2015
Unprompted review
Rated 5 out of 5 stars

We stopped accepting paypal from today

Is paypal dangerous for your business?
Is paypal dangerous for your customers?
Does Paypal force companies to act against the customer privacy?
Is Paypal finance situation stable or its close to bankrupt?

To protect our customer information and minimize the risk for them from today we have stopped accepting paypal.
Another problem is that paypal has not been able to transfer over 12000.00€ of our funds to our account. (Paypal reject the transfer to our account)
In the same time we have seen some news about dismissing 3000 employees by ebay/paypal in the coming year which explained the current situation of this company.
Based on these facts we have disable Paypal module in our website.

Please read the history:

On Dec. 19th 2014 we got information per mail from paypal that they are making company account check and during this time we cannot transfer the founds from our account. For finish the account-check they asked for several information that according German and European law (Customer privacy/Datenschutz) we were not able to supply them to third person or company.

We have sent just information to paypal which are not against “customer privacy” and our AGB, but the following requested info. by paypal has not been sent to them:

They had written in the mail “until we receive following documents you can only receive money by your paypal account…”
“Bis wir die folgenden Unterlagen von Ihnen bekommen und geprüft haben, können Sie Ihr PayPal-Konto nur eingeschränkt nutzen:“

A- Kontaktinformationen Ihres Lieferanten und Rechnungen von Ihrem Liferanten von Oktober-Dezember 2014 (Contact information of your suppliers and invoices from October-December 2014!)

B- Lieferscheine (Deliver notes!)

C- Bitte erklären Sie uns Ihr Geschäftsmodell. (Business concept!)

D- Kontoauszug - 3 lezten Monate (Bank account print for last 3 months: Oct, Nov, Dec. 2014!)

E- Cashflow-Bericht / die BWA 2014 (Betriebswirtschaftliche Auswertung / Economic evaluation of 2014)

******

Why we may not supply these documents?

A- Invoices of suppliers include their B2B prices, amount of invoices, address of supplier and several information of other companies which we don´t have permition to supply to third company/person.

B- Delivery notes include customers name, address, Shipped items and several customers information. To supply them to third company or person is directly acting against “Customer Privacy (Datenschutz)”. It’s also against our own “terms and Conditions (AGB)”. We offered Paypay instead of delivery note, we can send them the Tracking No. of shipments which can be followed on DPD website! (but they were not interested in that, because they know very well generally the orders leave our stock within 1-2 working days.)

C- Business concept: To supply it, means we give all info of the company and its structure info. to Paypal. Who knows that paypal/Ebay does not collect business concepts and all related information to make copy of the effective businesses in Ebay or by other companies belong to the Paypal/owner?

D- Bank account print!!!

1- It includes name, data, order No. and amount of the order of our customers, exactly those customers which did NOT interested in using Paypal. Provide these documents is also acting against “Customer Privacy”!

2- It Includes privet info of employees, their salary and information of all other people/companies who has paid/received payment to/from us in last 3 months. Again acting against “Customer privacy” and several other European/German laws.

******

Finally until Dec. 30th we had several contacts with Paypal by phone and per E-mail and we tried to explain them what they are doing. They did not wanted to solve the problem and they did not explain any reason for the problem. Bellow is some of their “Funny “ Answers:

1- What is the reason of this problem? “ it’s a normal process we have in our company. Time to time we check different (companies) accounts! We don´t say you have done anything wrong, but some companies have done!!!

2- You are asking for information/documents which is against “customers privacy” law? “But we have also “customer privacy” and we will not forward these information to third party!!!” I understand this answer as: “ You may act against the law, but don´t worry, we will not inform your customers or other organizations (like court) that you have forwarded these information.”

3- Are you collection and/or copy business concepts/information? “No, this is a normal process and we HAVE asked MANY COMPANIES for these information! Normally companies have not any problem to supply these information, why your company has problem with that…?”
Dose this answer mean; already in several or many cases Paypal has been involved or forced companies to acting against “Customer Privacy” law?

4- Why you need our bank account print for last 3 months? “ We just want to verify bank account linked to the Paypal account (is it your company bank account)”!!! It’s not correct answer, because; First the bank account has been verified in past by Paypal. Second, to verify this point one more time, paypal needs just statement from bank. (The bank account linked to Paypal is our official bank account in Deutschebank which is also shown in our website)

******

Even we informed paypal that to supply these information is acting against “Customer Privacy”, they answered again per E-Mail on Dec. 29th : Until they receive the document and confirm them, we cannot use our funds in our Paypal account!; “Bis wir die folgenden Unterlagen von Ihnen bekommen und geprüft haben, können Sie Ihr PayPal-Konto nur eingeschränkt nutzen”!!!

Until 30-12-2014 (our last working day in 2014) they did not explained what has been done wrong by our company to froze our funds.

In the same day after our closing time (6;00PM) they sent an E-mail and informed us that all our funds in Paypal is frozen for 45days; “100% Ihrer täglich eingehenden Zahlungen werden für jeweils 45 Tage einbehalten. “ and they have done it according the point 10.4 of their terms and condition! The point 10.4 in German version allow them to keep your amount for period of time and extend it (in case they want), Under English version of terms and conditionspoint 10.4 does not existing, but you find something like the German version under point 11.4.

This point 10.4/11.4 can be very dangerous for companies and can be used anytime from paypal side without any reason (or if there is a reason they don´t need to tell you that) against companies using Paypal. In this point is not also clear the maximum time that they may froze the money. in English version is mentioned 30 days, but can be extended… (How long?)


If your company accept paypal and you have for example over 50% of the turnover by paypal, in first month you miss over 50% of your cash-flow, in month after 50% more, means during 2 months you will lose 100% cash-flow in your company. In case that you make much more than 50% monthly turnover by paypal, you will lose the cash-flow much faster. The worst is that you cannot do anything in this situation!

*****

Is really Paypal close to bankrupt?

In one hand over 15 days Paypal is not able to Transfer our money to our bank account and it has been extended for 45 days. I have seen now several other posts on internet with same problem with Paypal.

In other hand I saw in ZDnet that Ebay/Paypal dismiss 3000 employees in beginning of 2015.

Based on these two facts we believe Paypal/ebay is trying to cover their problems with other companies money…


*****

Some more info:

To make it more transparent I need to add:
*Our company sell physical products. We ship exclusively from our stock in Germany within 1-2 working days.
*In this moment the frozen amount is over 12000€ + 5000-8000€ amount of new orders.
*We have had totally 5 customers conflict and all of them has been solved. The only last one has been conflict for 22.85€, which was also solved from our side and in this moment we have not any conflict with any customer.
Finally the problem is not based on any conflict between customers and our company. Its only based on, “Paypal wants to keep the money in their side!”

*****

Read one more time Paypal terms and conditions specially the point below:

Point 10.4/11.4 of Paypal Terms and conditions:

11.4 Actions by PayPal - Holds.

Risk-Based Holds. PayPal, in its sole discretion, may place a hold on any or all of the payments you receive when PayPal believes there may be a high level of risk associated with you, your Account, or any or all of your transactions. PayPal’s determination may be based on different factors and PayPal may rely on information it receives from third parties such as eBay. If PayPal places a hold on a payment, the funds will appear in your “pending balance” and the payment status will indicate the hold, for example it can show as “Completed - Funds not yet available.” If PayPal places a hold on any or all of the payments you receive, PayPal will provide you with notice of our actions. PayPal will release the hold on any payment after 30 Days from the date the payment was received into your Account unless PayPal has a reason to continue to hold the payment such as (a) the receipt of a Dispute, Claim, Chargeback, or Reversal, (b) PayPal believes that you have violated the terms of this Agreement or any other Policy and that such a violation results in the need to continue holding the funds, or (c) PayPal believes that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement. PayPal, in its sole discretion, may release the hold earlier under certain circumstances, for example when you upload tracking information of the item you shipped.
Disputed Transaction Holds. If a User files a Dispute, Claim, Chargeback or Reversal on a payment you received, PayPal may place a temporary hold on the funds in your Account to cover the amount of the liability. If you win the dispute or the transaction is eligible for PayPal Seller Protection, PayPal will lift the temporary hold. If you lose the dispute, PayPal will remove the funds from your Account. This process also applies to claims that a buyer files directly with eBay through the eBay resolution process.


10.4 Reserven.

PayPal kann aus Ihrem Guthaben auf Ihrem PayPal-Konto eine Reserve bilden.

Das geschieht dann, wenn wir aufgrund uns zur Verfügung stehender Informationen berechtigterweise zu der Einschätzung kommen, dass im Zusammenhang mit Ihrem PayPal-Konto aufgrund Ihrer finanziellen Situation und aufgrund der in Ziffer 10.5(a) genannten Kriterien ein erhöhtes Risiko für uns besteht, einschließlich eines Ausfallrisikos gemäß Ziffer 10.1.

Das bedeutet: Ein bestimmter Teil Ihres Guthabens oder Ihrer eingehenden Zahlungen wird auf Ihr Reservekonto gebucht und erscheint als "nicht verfügbar" in Ihrer Kontoübersicht. Über dieses Guthaben können Sie nicht unmittelbar verfügen.

Wenn wir eine Reserve bilden, teilen wir Ihnen die genauen Bedingungen dafür mit. Die Bedingungen können zum Beispiel so aussehen:

Wir behalten als Reserve einen bestimmten Prozentsatz der empfangenen Zahlungen über einen bestimmten Zeitraum ein ("dynamische Reserve").
Wir behalten einen Fixbetrag in Ihrem Konto ein ("Mindestreserve").
Die Bedingungen richten sich danach, was wir für notwendig erachten, um die mit Ihrem PayPal-Konto verbundenen Risiken zu minimieren. Wir können die Bedingungen ändern, sofern wir Ihnen die Änderungen mitteilen. Wenn Sie mit der Bildung einer Reserve nicht einverstanden sind, können Sie Ihr PayPal-Konto schließen. Wenn Ihr PayPal-Konto, gleich aus welchem Grund, geschlossen wird, können wir gemäß Ziffer 7.2 eine Reserve nicht länger als nötig einbehalten.

Als Teil unseres Risikomanagements können wir auch folgende Maßnahmen für Abbuchungen von Geld auf Ihr Bankkonto ergreifen:

Den Betrag begrenzen, den Sie von Ihrem PayPal-Konto unmittelbar abheben können.
Die Auszahlungsgeschwindigkeit oder Auszahlungsform ändern.
Eine Aufrechnung mit Ihrem Guthaben vornehmen und/oder Sie oder eine mit Ihnen verbundene Person dazu auffordern, Vereinbarungen mit uns über Sicherheiten zu treffen (zum Beispiel eine Garantie abzugeben oder Sicherheiten für Ihre Verbindlichkeiten bei uns oder Dritten zu hinterlegen). Sie sind verpflichtet, die dazu gegebenenfalls notwendigen Schritte und Maßnahmen auf Ihre Kosten zu ergreifen, um die Bildung einer Reserve oder einer anderen Sicherheit zu unseren Gunsten rechtswirksam zu ermöglichen.


If you have experienced same situation, please leave comments and if possible a way to contact you.

January 1, 2015
Unprompted review
Rated 5 out of 5 stars

Great Website

The fact that this website exists and has existed since 2003 is proof that their title is accurate.
From bitter personal experience I know that Payapl sucks.
Use this website and the information on it to free yourself of Paypal.
I can't recommend it highly enough.

May 22, 2014
Unprompted review
Rated 5 out of 5 stars

PayPal will be stopped!!!

This website is a must for any online seller who uses or is considering using PayPal. It confirmed that I was not just experiencing 'bad luck' in my dealings with this company and that they are well, bordering on criminal in their behaviour. They gve lots of useful information on how to get your money back from the PayPal cowboys. If you have a small online company, especially if you sell items that are likely to be returned, clothing, bridal, DO NOT use PayPal as your only means of payment. Check out this site to see why and read all the horror stories!! Great site!!

December 19, 2011
Unprompted review

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