PayPal 4+

Update: it took me several attempts, but PayPal did finally investigate my case and found that the merchant was indeed at fault. PayPal issued me a full refund and I have begun using their services again. PayPal is a little more convenient to use at the point of purchase than credit cards, as it usually requires only a couple of clicks to make a purchase. If they will defend my rights as a consumer as well as credit card companies do, then I no longer have a problem using the app. This is not so much a case of buyer beware anymore. Just buyer, be aware…

My original complaint: I made a purchase using PayPal and I never received the merchandise. PayPal allowed the vendor to charge my card immediately, yet three months later I still had not received my items. PayPal did not help me get a refund. I had to open a time consuming dispute and PayPal ruled in favor of the merchant! The merchant provided a tracking number from China that said the package was delivered to the US (no more specifics were provided!) PayPal ruled in favor of the bogus merchant without any further investigating. Also, navigating the app and Website to complain involved a lengthy case of hide and seek. I recommend making purchases with your credit card instead of PayPal. Your credit card will offer you much better protection in a case of fraud.

I have an e-commerce shop that offers different ways to pay. All different payment methods, but PayPal, goes automatically into my account. PayPal will charge a fee for using them. Automatically put limitations if you’re a new account, until you give them all the necessary documents to prove who are and what you do. And even with those limitations taken off, they hold your money because you’re new. You can even be a long time customer but if you haven’t sold in awhile or some other silly reason, you’ll run into this problem as well. Not only will they keep your money, but apparently my product doesn’t qualify for their sellers protection program. So basically not only do I not get paid, but if the customer decides to claim they never received the package just so they can get their money back while keeping my product (because people like that do exist) or somebody did in fact steal their package, I’m left without pay, while suffering loss of products, and can’t be protected from it. And supposedly you have to check off their list of things they want you to do in order to receive those “privileges”. Also no customer is going to want to wait for you to get their money and then send the product. So I either have to have faith in this customer, send the product anyway ahead of time, and hope PayPal will release the money in 24 hours. That’s one way of getting your money faster, but it’s not even guaranteed. Terrible service.

1) It’s really hard to get to someone when there’s a problem. 2) it can take a long time for a transaction to clear even if it’s already cleared your bank but they act like it hasn’t cleared the bank. 3) it will put out error messages that really have no meaning but say try again. I tried again and again only to find out they out a 72 hour block on transfers without notifying me - it looks like because I was on Microsoft defender VPN. BUT each time I tried again as their error message said to do, it reset the 72hour counter for the block they didn’t notify me I was on. After waiting for a real person to get back to me, they didn’t know why exactly I was on a block and other than it looked like I was away from home. 4) Resolution center doesn’t have enough choices to cover the problems. 5) AI help is a regurgitative waste of time. 6) regular help is a repetitive waste of time. 7) they get to float my money longer for their benefit. 8) Support isn’t consistent with their answer and vary from person to person. 9) don’t use for crypto because they say they have no controls on their system to when transaction fail and trigger hood times not how long those hood time can be so if an attempt is made while on hold the hood can be extended. In my case it’s been over a week to try and transfer out some crypto but the indefinite hold has allowed the value to drop below what I needed it to be and still falling. Can’t sell it or transfer it.