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.

[renegade-chance]

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@moo*cow*cornerwrote:
A good example would be an ebay guest buyer who pays at checkout with their CC, without a PP account being involved, and then initiates a chargeback for Unauthorized Transaction.

There. Fixed. I think....it's late....lol!

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No.

[bigchief2472000]

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@renegade-chancewrote:

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@lookng2015wrote:
So basically if they pay on eBay using a cc, or later when the Adyen system goes into effect, those transactions won't be covered under PP seller protection?

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What it is referring to is the "Send and Request Money" area.    Too many people sell items and use this feature to get payment and bypass the Paypal transaction fees... ...losing Paypal money.

So any unauthorized transactions filed because a buyer paid a seller with this link instead of linked to a transaction or a Paypal invoice... ...means the seller has no protection.

Guest buyers that checkout with payment for eBay transactions are NOT included.

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I was under the impression that those "friends and family" money transfers were already excluded from any seller and buyer protection, but I may be mistaken.  I know that it was pretty common knowledge that there was no buyer protection, but I remember reading through the UA about a year ago and coming to the determination that the way it was worded also excluded the recipient from any charge back protection.

Hopefully Paypal will implement a new "block" so that sellers can prevent any unwanted/unprotected payments from being processed so we don't have to waste time issuing refunds and disputing the measly .30 non refundable fee.

[renegade-chance]

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@bigchief2472000wrote:

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@renegade-chancewrote:

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@lookng2015wrote:
So basically if they pay on eBay using a cc, or later when the Adyen system goes into effect, those transactions won't be covered under PP seller protection?

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What it is referring to is the "Send and Request Money" area.    Too many people sell items and use this feature to get payment and bypass the Paypal transaction fees... ...losing Paypal money.

So any unauthorized transactions filed because a buyer paid a seller with this link instead of linked to a transaction or a Paypal invoice... ...means the seller has no protection.

Guest buyers that checkout with payment for eBay transactions are NOT included.

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I was under the impression that those "friends and family" money transfers were already excluded from any seller and buyer protection, but I may be mistaken.  I know that it was pretty common knowledge that there was no buyer protection, but I remember reading through the UA about a year ago and coming to the determination that the way it was worded also excluded the recipient from any charge back protection.

Hopefully Paypal will implement a new "block" so that sellers can prevent any unwanted/unprotected payments from being processed so we don't have to waste time issuing refunds and disputing the measly .30 non refundable fee.

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A person sending money through the Send  & Request way can file an unauthorized transaction on Paypal against the person receiving the money.   This is not a case... ...but where the person who sent the money is stating "I did not authorize this money to be sent".  Chargeback.

[southern*sweet*tea]

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@bigchief2472000wrote:

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I was under the impression that those "friends and family" money transfers were already excluded from any seller and buyer protection, but I may be mistaken.

There is no protection for either party THROUGH PAYPAL when using friends and family to send. There may be protection for the buyer through their CC company IF they fund the payment with a credit card. I'm not sure how that works in that respect.

[southern*sweet*tea]

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@southern*sweet*teawrote:

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@bigchief2472000wrote:

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I was under the impression that those "friends and family" money transfers were already excluded from any seller and buyer protection, but I may be mistaken.

There is no protection for either party THROUGH PAYPAL when using friends and family to send. There may be protection for the buyer through their CC company IF they fund the payment with a credit card. I'm not sure how that works in that respect.

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https://www.paypal.com/us/webapps/mpp/ua/useragreement-full#purchase-protection

Payments for the following are not eligible for reimbursement under PayPal Purchase Protection:

• Real estate, including residential property.
• Financial products or investments of any kind.
• Businesses (when you buy or invest in a business).
• Vehicles, including, but not limited to, motor vehicles, motorcycles, caravans, aircraft and boats.
• Significantly Not As Described claims for custom-made items.
• Donations including payments on crowdfunding platforms.
• Items prohibited by the PayPal Acceptable Use Policy.
• For Item Not Received claims, items which you collect in person or arrange to be collected on your behalf, including items bought in a seller’s store location.
• Industrial machinery used in manufacturing.
• Anything purchased from, or an amount paid to, a government agency.
• Stored value items such as gift cards and pre-paid cards.
• Gambling, gaming and/or any other activity with an entry fee and a prize.
• Payments sent using PayPal’s friends and family functionality. 
• Payments made using PayPal Payouts and Mass Pay or guest checkout transactions (i.e. not sent using your PayPal account).

https://www.paypal.com/us/webapps/mpp/ua/useragreement-full#seller-protection

Your sale is not eligible for coverage under PayPal’s Seller Protection program if:

• It involves intangible, non-physical, items, including digital goods, and services.  Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application.
• The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).
• It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.
• It involves an item that you deliver in person, including in connection with a payment made in your store location.
• It involves sales that are not processed either through a buyer’s PayPal account or a guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product, PayPal business payments or using PayPal Here, then it is not eligible for coverage. 
• It involves items equivalent to cash including gift cards.
• It involves a donation.
• It relates to the purchase of a financial product or investment of any kind.
• It involves a payment sent using PayPal’s friends and family functionality.
• It involves a payment made using PayPal Payouts and Mass Pay.

[bigchief2472000]

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@southern*sweet*teawrote:

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@bigchief2472000wrote:

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I was under the impression that those "friends and family" money transfers were already excluded from any seller and buyer protection, but I may be mistaken.

There is no protection for either party THROUGH PAYPAL when using friends and family to send. There may be protection for the buyer through their CC company IF they fund the payment with a credit card. I'm not sure how that works in that respect.

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That's how I understood it as well.  I had sold some stuff on forums/facebook and had a few instances where the buyer would request to have the item shipped to an alternate address, so I would request that they send me the money through the friends and family method so they couldn't file an INR through Paypal.  Then someone pointed out to me that, yes the buyer would give up their "buyer protection", but those transactions were also not covered against unauthorized transaction claims.  When I read through all the policies/UA, I came to that same conclussion and no longer accepted those types of payments and just denied the requests to ship to alternate addresses.

[missjen831]

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@gymbo_limbowrote:

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@missjen831wrote:

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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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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! 

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This struck me as adorable. If I could I would be getting cookies from your daughter and her dad just for this reason! I hope she (they) earned a patch!

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Aww thank you gymbo! They sold at least 300 boxes this year! So she’ll get a patch and a small prize I’m sure! I saw people selling them on eBay and almost thought about doing it myself but didn’t want to get in troubken

[missjen831]

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@penguins_dont_flywrote:

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@missjen831wrote:

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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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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! 

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@missjen831 and @banana*shoe*boutique

This is not referring to the PayPal Debit Card (business account)

This refers to the new option that they rolled out last year ... you can transfer your money directly to one of those pre-paid Visa/Mastercard debit cards that aren't attached to a physical bank account.

If you choose the "faster withdrawal" method (same day) to that type of account they charge a fee....

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Thank you!! I was unaware that PP had added that feature. I thought the update referred to the bank account transfer which is almost immediate now.

[carlmarxx]

Call Up Paypal  and explain to them you did not want to up  grade . it was mistake having trouble going  through site   resarch issue . 

[banana*shoe*boutique]

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@gymbo_limbowrote:

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@missjen831wrote:

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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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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! 

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This struck me as adorable. If I could I would be getting cookies from your daughter and her dad just for this reason! I hope she (they) earned a patch!

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I like this too.  Once when my daughter was selling them I had to use my personal Square for someone to buy cookies!  The guy was seriously jonsing for some GS cookies and said he hadn't seen them anywhere (um, we were at like every store - two just in that mall lol) so I let him use my square and I paid.  He bought two cases which made me nervous but all was fine.

@missjen831

I'll take some Thin Mints and Trefoils 

[banana*shoe*boutique]

@missjen831

Who needs to buy GS cookies on eBay????  Do they not have a Walmart anywhere?  Every weekend ours are packed with scouts.

[banana*shoe*boutique]

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Sorry, I forgot my math hat last night I need to stop posting while sleeping.

 I swear I don't know where that zero came from! Ebay must have added it when I wasn't looking!

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@southern*sweet*tea

That extra 0 is in the next UA 

[banana*shoe*boutique]

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@penguins_dont_flywrote:

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@missjen831wrote:

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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%?

---

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! 

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@missjen831 and @banana*shoe*boutique

This is not referring to the PayPal Debit Card (business account)

This refers to the new option that they rolled out last year ... you can transfer your money directly to one of those pre-paid Visa/Mastercard debit cards that aren't attached to a physical bank account.

If you choose the "faster withdrawal" method (same day) to that type of account they charge a fee....

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Thanks for clarifying.  I've never used it but seems steep to pay 1%

[missjen831]

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@banana*shoe*boutiquewrote:

@missjen831

Who needs to buy GS cookies on eBay????  Do they not have a Walmart anywhere?  Every weekend ours are packed with scouts.

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People in rural areas probably have a hard time getting cookies. We have 2 Walmart’s in town but the troops don’t set up tables there. Usually just at various Starbucks, both Safeways and the locally owned grocery store. The thing is, there are different types of cookies, I believe it varies by region or the councils decide which cookies they will sell. I am in CA and we don’t sell Savannah’s smiles so people here probably buy them on eBay! Our s’mores are chocolate covered graham crackers with a layer of marshmallow cream. There is another version which is a sandwich and it’s sold in the Midwest I think, so people who like our version better but only have the sandwhich in their area can go on eBay and get them. Plus cookie sales are only for 4-6 weeks so I also thought about buying up whatever we had left and then listing them when sales are over. 

[banana*shoe*boutique]

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@missjen831wrote:

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@banana*shoe*boutiquewrote:

@missjen831

Who needs to buy GS cookies on eBay????  Do they not have a Walmart anywhere?  Every weekend ours are packed with scouts.

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People in rural areas probably have a hard time getting cookies. We have 2 Walmart’s in town but the troops don’t set up tables there. Usually just at various Starbucks, both Safeways and the locally owned grocery store. The thing is, there are different types of cookies, I believe it varies by region or the councils decide which cookies they will sell. I am in CA and we don’t sell Savannah’s smiles so people here probably buy them on eBay! Our s’mores are chocolate covered graham crackers with a layer of marshmallow cream. There is another version which is a sandwich and it’s sold in the Midwest I think, so people who like our version better but only have the sandwhich in their area can go on eBay and get them. Plus cookie sales are only for 4-6 weeks so I also thought about buying up whatever we had left and then listing them when sales are over. 

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True!  I totally forgot that there are two manufacturers of cookies and some that we didn't have.  The smore must be new.  We didn't have those a few years ago when my daughter sold.  I just get the Trefoils (for my mom) and Thin Mints (for a um "friend") every year from my friend who is a leader.  Thin Mints freeze awesome and are great right out of the freezer....I've heard.

ETA:  Slippery slope from PP UA to GS cookies lol