I’ve used PayPal for many years now. I feel my transactions are safer. It gives me a peace of mind. They provide security when dealing with a 3rd party seller. On the few occasions when I’ve needed to contact them for a transaction dispute, they’ve always been there for me to solve any conflict resolutions with 3rd parties sellers. I also use PayPal Credit as a secret personal account separate from my husband’s account. I tend to mail money orders as my main source of payment to PayPal Credit as my secret account from my husband who knows nothing of the money orders. The only problem is I can only obtain money orders in amounts of $300. So if I need to make a $500 payment, that requires two money orders of $300 and $200 to equal the $500 payment. Of course, I put the two money orders in the same mailing envelope to the payment processing center. At the payment processing center, the envelopes are opened by a mail sorting machine. That machine opened a payment envelope one time and only processed one of the two money orders. That was $300 that got lost that time. It took weeks for them to finally find the missing money order after I spoke to a manager so I started putting all money orders in separate envelopes to avoid that in the future. I feel they could improve in that area. Some of use married folks have secret accounts from our spouses to avoid conflict. PayPal Credit has been a God send. But we should be able to put two money orders or checks in the same envelope. That’s my only complaint. :-)

The only real problem I’ve had is that they keep sending me notifications and adds that I’m pre approved for there debit card. Yet I can not get one. Also to add to my frustration. After being a customer for a long time. I have finally been offered the chance to just get the regular pay pal card to spend my balance at physical locations. Other than that. I have only had good service. Or maybe I was just one of the lucky ones that has not yet had to deal with certain situations yet. Only more time will tell. There are other options out there that are catching up if not surpassed PayPal by now. Stop resting on your laurels and step your game up. Otherwise four star reviews will turn into 1 star. Treat your customers with more respect and not like there the criminals in fraud cases. Cause honestly the bot and the help section have no idea what happened or happens in a fraud situation. Compassion. Some of the people who use your service is literally the only money and way of banking they can use. The fraud cases may very well be that persons last dime. Meaning no more income at all anywhere. I know it’s a four star review I gave you. Only cause I personally have not dealt with such situations. I have witnessed others I know personally deal with such things. I’m sure there reviews would be much lower. If the holding of my money or fraud happened to me and it was a nightmare to handle. I wouldn’t give even one star. Since it hasn’t your still on good terms with me. At least for now.

Here at the Jungle Gym we use PayPal exclusively to process our credit card payments, to do online payments, to do PayPal here on site and we use virtual terminal to take phone orders. I also use PayPal in my boomerang business, Leading Edge Boomerangs.In both of my businesses I want to make it as easy as possible for my customers to pay me anytime and anyway they want. With PayPal I can take a payment on the beach using PayPal Here or virtual terminal. My customers can go online to our website and pay for classes or parties 24 hours a day by using the PayPal link on our website. Customers will call me to book a birthday party and I take their payment right over the phone and use virtual terminal to process the payment. When they come in for open gym, using PayPal Here they can swipe their card and process their own transaction. I can also pay bills online or by phone using my business debit card linked directly to my PayPal account. I can transfer money directly to the bank account for the business or I can access cash instantly at an ATM. I can pay staff directly online through PayPal, giving me a record of every transaction and payment. The other nice thing is that PayPal just continues to get better as far as ease-of-use and reporting so I know that R&D continues from their end. And finally we have never ever had a security breach using PayPal. Neither our accounts nor those of our clients have ever been compromised or jeopardized through using PayPal. That security is priceless.

The resolution center needs an overhaul! I provide educational services not physical products. I have been notified of a buyer filing a claim with their bank that the transaction was unauthorized, a month AFTER they attended class and got their certificate thus reaping the benefit of the class/service. This is known as “fraud” they got what they paid for turned it in to the court and then 30 days later try to get their money back. When I received the email I go to the resolution center as directed and the case is not there. I send Paypal the supporting documents (registration / attendance sheet signed by the student) proof they got what they paid for. The case never appears in the resolution center. Paypal notifies me they have not received anything from me contesting the case. I go back to the resolution center and miraculously the case is there but the reply/respond button doesnt work. I call them and they tell me to email documents to a specific email address. I do that and get an email back that the documents have been forwarded to the person to put them in the case file. A week later I am notified that the case was decided in the buyers favor because I failed to respond to the case!There have been other disputes that I received emails of that never appeared in my open case section of the resolution center. Not sure if there is just one person who is extremely swamped in this department or if paypal is using a very poor program to run this department. But the end user “me” is getting the short end of the deal right now. Hopefully they fix it soon.