Paypal UA updates, just hit my inbox

[southern*sweet*tea]

https://www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full

Some of the more interesting highlights:

• We’re no longer going to offer the Pay After Delivery product so we are removing terms related to that product from the user agreement. 
• We’re clarifying that when purchasing or sending money, we may require a backup payment method for your transaction(s) to be used if the selected payment method is declined, expired or otherwise unavailable.
• We’re updating the additional requirements for coverage of Unauthorized Transactions for sellers under our Seller Protection program to require that the payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction in order for sellers to be covered under the program.
• We’re adding terms that apply to marketplace sellers.  If you sell on a marketplace and accept payment through your PayPal account, a hold may be placed on a payment sent to you at the instruction of the marketplace.
• For business accounts, we are changing the fee charged for our faster withdrawal option to an eligible debit card linked to your PayPal account to 1% of the transferred amount.
• We’re changing the balance functionality for your PayPal account depending on whether we have been able to verify identifying information that you provide to us. 
  • If we have not verified your identifying information, a balance in your PayPal account can generally only be held in your PayPal account and transferred to a linked bank account or debit card.
  • If we have verified your identifying information, a balance in your PayPal account can be held in your PayPal account, transferred to a linked bank account or debit card, used to make purchases or send money to others.

[the_fancy_fox]

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@missjen831wrote:

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@ted_200wrote:

We’re no longer going to offer the Pay After Delivery product so we are removing terms related to that product from the user agreement.

I kept telling them that was a really bad idea, I'm surprised it took them this long to figure it out... 

We’re clarifying that when purchasing or sending money, we may require a backup payment method for your transaction(s) to be used if the selected payment method is declined, expired or otherwise unavailable.

"Otherwise unavailable".  Uh oh.  Look for them to refuse to offer credit card funding in an attempt to force you to the bank account option, which ups their margin on the deal considerably.   That will also likely happen after the 1st or 2nd chargeback from when the eBay seller with 30 day returns only gave you half the money on a SNAD item.

We’re updating the additional requirements for coverage of Unauthorized Transactions for sellers under our Seller Protection program to require that the payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction in order for sellers to be covered under the program.

I have no idea what they're talking about, but it ain't good.

If I'm reading that correctly, they're saying if the eBay buyer had their account linked for "fast checkout" (which requires no login to PayPal to proceed), they're going to stiff the eBay seller for Unauthorized Use chargebacks?  

eBay needs to disconnect the no login fast checkout links with PayPal, if this is the case.

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No they are talking about PayPal guest payments. Fast tracked payments are still paid through the buyers PayPal account, the account just stays logged in all the time. What PayPal is no longer covering under seller protection is guest payments—when the buyer checks out they can choose PayPal or credit card.....credit card is a guest payment, the buyer just enters their card info and does not log in to their PayPal account. Those payments will not be covered by PP anymore. And the kicker is.....there is no way for a seller to know if the buyer used their PayPal account or not right?

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Eligible or not eligible status I would suppose. I have won several chargebacks through PayPal due to unauthorized use. No idea of how the buyer paid.  

[moo*cow*corner]

They nag us all the time about upgrading to business. Thanks, but no thanks. We have the ancient Premier level account and it'll stay that way.

[lookng2015]

So now PP won't have to pretend to 'fight a chargeback"?

[the_fancy_fox]

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@lookng2015wrote:
So now PP won't have to pretend to 'fight a chargeback"?

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I don't know. 

it will be interesting. What will eBay's new payment processor do? Will they cover unauthorized claims when they give sellers the address to ship to?

[lookng2015]

So basically PayPal is saying they're not offering SELLER protection if the BUYER doesn't use PayPal....nice.

[lookng2015]

And we have to rely JUST on eBay's address given and hope payment has actually been made rather than being able to check with PP as we do now.

[7606dennis]

"If you sell on a marketplace and accept payment through your PayPal account, a hold may be placed on a payment sent to you at the instruction of the marketplace."

This may become a bit of a sticky wicket, as they say, in states where PayPal is licensed as a Money Transfer Agent and that state's laws regulate how long funds may be held before being turned over to the intended recipient.  Since their UA cannot legally violate a law, that clause would probably not apply in those states.

[missjen831]

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@lookng2015wrote:
So basically PayPal is saying they're not offering SELLER protection if the BUYER doesn't use PayPal....nice.

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How does that even make sense though?  Guest payments haven’t qualified for buyer protection in over a year now. Those buyers can’t file a PP dispute just a chargeback. It seems to me that this is just one way PayPal will attempt to recover the money they will be losing when eBay switches over to adyen. Sellers will automatically lose all cases. The money will come from the seller. PayPal won’t have to eat INR And UA chargebacks.

[ted_200]

No they are talking about PayPal guest payments.

I'm not so sure what they're talking about.  The could have said "guest", they said "a transaction where the buyer logged into their PayPal account to complete the transaction".  Or, are they talking about people who pay directly on eBay with a cc (which PayPal is currently processing for eBay)?  Someone should get them to clarify (or check the actual UA wording to see if it's clearer there...).

They could be talking about any number of things, and it is true that the seller on eBay will have absolutely no control over those things and probably won't know if any of those things even happened (until later).

[southern*sweet*tea]

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@banana*shoe*boutiquewrote:

• For business accounts, we are changing the fee charged for our faster withdrawal option to an eligible debit card linked to your PayPal account to 1% of the transferred amount."

Here's an argument to not "upgrade" to business.  Everyone pays a quarter but businesses pay 1%?

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That's for the fast withdrawal to debit card. I've never had to use it since my bank transfers take 24 hours or less.  That's $20 for a $200 transfer

@missjen831wrote:

@banana*shoe*boutiquewrote:

• For business accounts, we are changing the fee charged for our faster withdrawal option to an eligible debit card linked to your PayPal account to 1% of the transferred amount."

Here's an argument to not "upgrade" to business.  Everyone pays a quarter but businesses pay 1%?

Can you downgrade your account? I upgraded mine while messing around with the settings. I didn’t intend to go through with it but there was no way out so I had to complete the process before I could use my account. And wouldn’t you know it, without telling me first my husband upgraded his just so he could get a card reader to take electronic payments for our daughters Girl Scout cookie sales! 

 You can.

https://www.paypal.com/us/smarthelp/article/how-do-i-change-my-account-from-a-business-account-to-a-...

[ted_200]

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@lookng2015wrote:
So basically PayPal is saying they're not offering SELLER protection if the BUYER doesn't use PayPal....nice.

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Actually, that kinda makes sense to me.

And we have to rely JUST on eBay's address given and hope payment has actually been made rather than being able to check with PP as we do now.

That may well be the situation once Adyen takes over too.  We won't have an Adyen account to check, and the PayPal account that's receiving the payment will belong to eBay not you.   eBay is going to have to will need to should take responsibility for the address with all the payments, not just PayPal's. 

[southern*sweet*tea]

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@ted_200wrote:

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@lookng2015wrote:
So basically PayPal is saying they're not offering SELLER protection if the BUYER doesn't use PayPal....nice.

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Actually, that kinda makes sense to me.

And we have to rely JUST on eBay's address given and hope payment has actually been made rather than being able to check with PP as we do now.

That may well be the situation once Adyen takes over too.  We won't have an Adyen account to check, and the PayPal account that's receiving the payment will belong to eBay not you.   eBay is going to have to will need to should take responsibility for the address with all the payments, not just PayPal's. 

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The thing with Adyen, though, is they use AVS - they actually address verify the CC before it's accepted...or declined. If the card doesn't match the address on file with the CC company the payment won't go through.  That's what real credit card processors do.  I could be wrong, but I don't think Paypal does that.

[missjen831]

Thank you!!!! For the PayPal link!

[where*you*crowin]

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@lookng2015wrote:
So basically PayPal is saying they're not offering SELLER protection if the BUYER doesn't use PayPal....nice.

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That will not be a problem as long as sellers will ave the ability to deal directly with the CC companies in the event of a chargeback to protect themselves.  Is that going to happen?

[nowthatsjustducky]

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@southern*sweet*teawrote:

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@banana*shoe*boutiquewrote:

Here's an argument to not "upgrade" to business.  Everyone pays a quarter but businesses pay 1%?

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That's for the fast withdrawal to debit card. I've never had to use it since my bank transfers take 24 hours or less.  That's $20 for a $200 transfer

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1% of $200 is $2, not $20.