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We got banned from PayPal after 12 years of business

blog.niteo.co

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Re: We got banned from PayPal after 12 years of business

#341

Post by astura »

chii wrote: post #268
astura wrote: post #214

Earlier quoted context omitted.

I wouldn't even attempt to contact Uber in this situation - a fraudulent charge on a credit or debit card = call card issuer or bank. I don't care what the company is, I call card issuer.

unfortunately, most banks have the policy of first asking you to resolve it (or at least show evidence that you've tried). I would say, sending uber an email would work, or calling their number (which, they actually do - if you lost a phone in an uber, they have a number which lets you call them to get the contact details of the driver of the car you were in).

That policy is solely for disputes.

So it only applies to chargebacks of transactions you've previously authorized, not for fraudulent unauthorized charges.

If I took an Uber (or attempted to take an Uber) and I had a dispute with them about payment = attempt to work it out with Uber first.

If I didn't take an Uber at all = contact bank.

Re: We got banned from PayPal after 12 years of business

#342

Post by kristianc »

_pmf_ wrote: post #165
HenryBemis wrote: post #117

Literally NO ONE wrote the below: Every Friday go online and withdraw all-but-the-necessary £€$$ to your bank account (transfer wire or via card number). I do get some revenue via PayPal, and the very same day (or the next) I 'download' comes it to my bank account (connected to PayPal via card) and IMMEDIATELY is shipped to another account that has all the controls to make money (relatively) unmovable. I perceive Pay…

Nobody disagrees that this is what you have to do in PayPal's current state. The debate is to whether you should have to do it, or whether, given that it walks and talks like a bank, PayPal should nationally and globally be treated as a bank.

A bank that suspected money laundering or suspicious activity would be expected to behave in exactly the same way. Any regulated entity would.

Re: We got banned from PayPal after 12 years of business

#343

Post by mprev »

marcosdumay wrote: post #287
metaprotocol wrote: post #78

Niteo produce a product to produce content farms and generate spam. PayPal has done the world a favour by banning them.

PayPal should avoid doing vigilantism if they want to keep people's money under trust. It matters very little how despicable the company is, monetary services must not hold opinions unless explicitly told one by a local government.

This is BS. It matters very much to me as a customer of a financial services provider what sort of company I am keeping.

For example, I don't want my bank to provide services to organised crime because I both feel that would be morally wrong and I think it'd open the bank's staff to influences that aren't in the best interests of other customers.

Also, your argument isn't with PayPal; it's with the entire FS industry.

Re: We got banned from PayPal after 12 years of business

#344

Post by jedimastert »

jedberg wrote: post #295

PayPal spends a lot of money on lawyers to make sure that no state or country considers them a bank. The reason is so they can avoid banking regulations. If they were subject to regulations, they wouldn’t be able to freeze your account without warning, nor hold your money for 180 days. As they say internally: “we don’t make money by letting people have it back”.

> As they say internally: “we don’t make money by letting people have it back”.

I'm gonna need a source for that.

Re: We got banned from PayPal after 12 years of business

#345

Post by pricechild »

ghaff wrote: post #121
sincerely wrote: post #72

Earlier quoted context omitted.

You get banned from Uber if you do that, no?

That's the second comment in two days I've seen along the lines of "You can't risk pissing off Uber because they might ban you." What a sad codependent relationship to be [ADDED: or feel you are] so locked into some uncaring tech service that you feel you basically have to just put up with whatever mistreatment they dish out.

What about Amazon?

Re: We got banned from PayPal after 12 years of business

#346

Post by ihuman »

shams93 wrote: post #306

Then if you're an indie musician on Bandcamp they give you no option but to use PayPal however if you're not on Bandcamp nobody is going to buy your music directly from your website anymore and for underground acts Bandcamp is better than Spotify but the whole forced use of PayPal there meant for a decade I couldn't use Bandcamp until I got a new PayPal account after they killed the account I had had for 15 years.

> they give you no option but to use PayPal

That isn't the case. You can use your credit card directly, without it going through paypal

https://get.bandcamp.help/hc/en-us/articles/360007803294-Pay...

Re: We got banned from PayPal after 12 years of business

#347

Post by mprev »

jedberg wrote: post #295

PayPal spends a lot of money on lawyers to make sure that no state or country considers them a bank. The reason is so they can avoid banking regulations. If they were subject to regulations, they wouldn’t be able to freeze your account without warning, nor hold your money for 180 days. As they say internally: “we don’t make money by letting people have it back”.

This is demonstrably not true:

https://www.finextra.com/newsarticle/16927/paypal-gets-banki...

Re: We got banned from PayPal after 12 years of business

#348

Post by scarface74 »

What the hell? “You can’t remove your credit card or bank information from PayPal”. So even after they closed your account they still want access to your account?

I haven’t thought about PayPal in years, but I had forgotten about this. When I did use it, I had a separate bank account, immediately transferred from money from Paypsl to the account and then transferred the money from the linked account to another account.

Re: We got banned from PayPal after 12 years of business

#349

Post by [deleted] »

dmurko wrote: post #84
metaprotocol wrote: post #78

Niteo produce a product to produce content farms and generate spam. PayPal has done the world a favour by banning them.

Founder here. We're not processing SaaS through PayPal, as mentioned in the post: > The most interesting thing is that we’ve moved away from PayPal in the last two years and have only been receiving some minor payments and paying for a few online services. We've stopped using PayPal for our SaaS business a few years ago.

[deleted]

Re: We got banned from PayPal after 12 years of business

#350

Post by bartimus »

chii wrote: post #264

paypal has no business in regulating what software their customers are allowed or not allowed to sell. Even if it's spam creation software. If it's not illegal to sell, it should not be blocked by paypal. If the software is spam and is bad for society, let society introduce a law to ban the software, the same way you can't sell drugs using paypal. This moral policing by businesses is bad for society - and lets busine…

It's called industry self-regulation and it's a wonderful thing.
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