xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
|
I run a little online business and sell digital products for an online game, I've been doing this for 18 months now and have been using PayPal to sell them. Many customers change the quantity and buy several in one transaction simply to give to their friends or sell for in-game currency.
Over the last few days I've received several big payments which I now know are actually from stolen PayPal accounts. It seems one person has a list of stolen PayPal's and have simply spent thousands overnight buying these items. Obviously the real owner reported this and all the money got claimed back (along with fees) meaning my account went into negative. It's been like that for a few days but have continued receiving payments meaning the account balance has been improving and would have been out of the red in a few days...
I then noticed that my account became limited. I phoned them and they said it's routine to check my products and so on, didn't panic all that much as I could still receive payments fine. I complied to their requests and e-mailed them all the information... Now at 1am I get an appeal saying my account has been frozen and is un-appeal-able which means I cannot accept payments either. I'm now at a big negative figure with 38 open claims and my account has been frozen so I can't do anything to resolve this.
I've sent them another e-mail trying to explain but everything is automated, it's impossible to speak to someone and when you do it's some Indian on a 0870 number that just reads from a script. I'm so stressed that I could literally scream...
Has anyone experienced anything like this? Does anyone know what I can do? The account is a business account and I've been with them for several years, selling the same product for 18 months, from the fees they charge per transaction (38p for a £4.50 product) I've made them several thousand pound over the year and it's seriously gutting to have this happen but literally I have no idea where to go from here. I have to pay a lot of outgoings to keep everything running, hosting, dedicated server, DDoS protection, etc... and I cannot even pay them whilst my account is limited.
I literally have no idea what to do about it. Anyone with experience on the matter?
|
am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
|
Close account, make new one
|
xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
|
Can't close account and to make a business account you need to verify everything, would mean new address, new bank details, etc...
|
Kippers
Member
Registered: 27th Dec 10
Location: By the sea, Kent Drives: A nee naw
User status: Offline
|
Hate paypal.... screwed me over.
Soon as i can use my account again im closing it!
|
Sam
Moderator Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
|
Close PayPal, open up a merchant account with SagePay or someone like that instead.
|
Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
|
quote: Originally posted by Sam
Close PayPal, open up a merchant account with SagePay or someone like that instead.
|
chr15barn3s
Member
Registered: 5th Oct 03
Location: Farnborough
User status: Offline
|
Yes get rid of paypal. They make the rules to suit them and can do what ever they like with your money and then hide behind their T&C's!
|
xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
|
I just phoned in and apparently I'm deemed a high risk so I'm no longer allowed to use PayPal, this is after nearly a year and a half of selling products through them making them in over £7,000 in fees alone. What absolute cunts... Apparently I have a linked account that was banned due to a negative balance but they can't tell me any other details. I've never had a PayPal account before, there's clearly something wrong but they refuse to look into it.
I need suggestions on another way to accept payments, I'd like to use Google Checkout but it requires SSL and is a bitch to setup apparently.
|
adiohead
Member
Registered: 28th Sep 01
User status: Offline
|
Paypal suck dick. They declined my company because we don't have a website.
Paypal's policy says "No need for a website"
Fucking dick cunts
|
Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
|
quote: Originally posted by xa0s
I just phoned in and apparently I'm deemed a high risk so I'm no longer allowed to use PayPal, this is after nearly a year and a half of selling products through them making them in over £7,000 in fees alone. What absolute cunts... Apparently I have a linked account that was banned due to a negative balance but they can't tell me any other details. I've never had a PayPal account before, there's clearly something wrong but they refuse to look into it.
I need suggestions on another way to accept payments, I'd like to use Google Checkout but it requires SSL and is a bitch to setup apparently.
sage, nochex
|
chrisritch
Member
Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline
|
SagePay FTW
|
jamied
Member
Registered: 27th Oct 03
Location: Marbella,Spain Drives: C63
User status: Offline
|
It is terrible they can do this. I sold a phone once to Iceland special delivery same day I posted it the guy claimed, Froze the money for about 2weeks while could prove he had received it. Lucky to get it back.
Am just about to set up an ebay shop and these things you read, really put me off doing it
|
Dan
Premium Member
Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
User status: Offline
|
What puts you off jamie?
Ive been trading via ebay using paypal for over a year now, with alot of sales, and alot o money going through them.
I have never had a single problem. So long as you do everything they ask, you wont have a problem. Check your items are ok in their terms, as this is where alot of people get stuck.
Adult GiftsClick here to vist us
|
Dan
Premium Member
Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
User status: Offline
|
Also, Xa0s,
Do you sell via a website or somewhere you dont need to use paypal?
Things like moneybookers/sagepay etc are brilliant for this.
I use moneybookers on my site, and its alot cheaper
Adult GiftsClick here to vist us
|
adiohead
Member
Registered: 28th Sep 01
User status: Offline
|
To use Sagepay you need a merchant account with a bank. HSBC charge crazy amounts for this service, and then you have the £20pm sagepay fee on top too.
|
Dan
Premium Member
Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
User status: Offline
|
The fees are nothing if your turning over a good amount though.
Adult GiftsClick here to vist us
|
xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
|
I don't have a business bank account which SagePay requires, I'll try and set one up but never done it before and don't really know much about it. Apparently it takes 2-3 weeks typically too.
SagePay sounds good but I can already tell it's going to be a nightmare to setup...
Any other suggestions?
Does anyone have a business bank account with SagePay and fancy earning a percentage?
[Edited on 20-01-2011 by xa0s]
|
adiohead
Member
Registered: 28th Sep 01
User status: Offline
|
quote: Originally posted by Dan
The fees are nothing if your turning over a good amount though.
For my company it's about £250 per year + £20pm (£490) We only deal with one company that uses a credit card and they don't spend enough to justify that amount, even if we just used the HSBC service and not sagepay.
That's why I wanted to use Paypal, to save on the HSBC costs. But they suck dick.
|
jrsteeve
Member
Registered: 3rd Apr 02
Location: Manchester
User status: Offline
|
I've been screwed by Paypal too, also have a business account. I rarely take CC payments so having a merchant account doesn't suit me but sounds like you need to sort out a business account with your current bank if possible, should make it a bit easier.
|
Dom
Member
Registered: 13th Sep 03
User status: Offline
|
quote: Originally posted by xa0s
I need suggestions on another way to accept payments, I'd like to use Google Checkout but it requires SSL and is a bitch to setup apparently.
Don't need a SSL cert. if you're using their API or purchase buttons. And the api is a piece of piss, more so if you use their own php library
|