If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: i service your PayPal branded accounts, ii investigate or prevent fraud, or iii collect a debt.
We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent.
You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal. You can decline to receive autodialed or prerecorded message calls or texts to your mobile phone number by updating your preferences in your PayPal account settings at www. The frequency of messages may vary, and standard telephone minute and text charges may apply.
Neither we nor your phone carriers are liable for delayed or undelivered messages. You understand and agree that, to the extent permitted by law, PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own protection.
You acknowledge and understand that while your communications with PayPal may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by PayPal, and PayPal does not guarantee that recordings of any particular telephone calls will be retained or retrievable. PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.
As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account. If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive.
If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account s , including a Balance Account. If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction. If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative balance by using funds you maintain in a different currency.
If you have a negative balance in non-U. In addition to the above, if you have a past due amount owed to us or our affiliates, PayPal may debit your PayPal account to pay any amounts that are past due. This includes amounts owed by using our various products such as Venmo, Xoom or Braintree. Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.
Our affiliates include each entity that we control, we are controlled by or we are under common control with. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages including without limitation damages for loss of data or loss of business arising out of or in connection with our websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf, any of the PayPal services, or this user agreement however arising, including negligence , unless and to the extent prohibited by law.
Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so.
PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.
Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below.
Please read this information carefully. Among other things it:. If a dispute arises between you and PayPal, acting as either a buyer or a seller, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual non-class, non-representative basis.
This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate. You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.
Any relief awarded cannot affect other PayPal customers. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator s can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator s also must follow the terms of this user agreement as a court would. All issues are for the arbitrator s to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, shall be for a court of competent jurisdiction to decide.
The arbitration will be conducted by the American Arbitration Association referred to as the "AAA" under its rules and procedures, as modified by this Agreement to Arbitrate. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court. A party who intends to seek arbitration must first send the other party, by certified mail, a completed Notice of Dispute.
PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including the email address and phone number associated with your PayPal account, a description of the nature and basis of the claims you are asserting, and the specific relief sought.
If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by PayPal, you or PayPal may initiate arbitration proceedings. The arbitration shall be held in the county in which you reside or at another mutually agreed location.
Any settlement offer made by you or PayPal shall not be disclosed to the arbitrator s. The arbitrator s will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The award of the arbitrator s shall be final and binding, and judgment on the award rendered by the arbitrator s may be entered in any court having jurisdiction thereof.
With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief and only that relief must be severed from arbitration and may be litigated in court.
All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms. If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time.
You must mail the opt-out notice to PayPal, Inc. For your convenience, we are providing an opt-out notice form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address es used to log in to the PayPal account s to which the opt-out applies. You must sign the opt-out notice for it to be effective.
This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.
Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate other than an amendment to any notice address or website link provided herein in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal.
We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www. If you do not agree to these amended terms, you may close your PayPal account within the day period and you will not be bound by the amended terms. You may not copy, imitate, modify or use them without our prior written consent. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors.
This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services.
If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third-party materials or technology, or otherwise create any derivative works from any of the software or third-party materials or technology.
Any other third-party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content.
Subject to the next paragraph , when you provide content to PayPal or post content using PayPal services, you grant PayPal and parties that we work with a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content.
Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal. Notwithstanding the provisions of the prior paragraph , if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable through multiple tiers , and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark s including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you for the purpose of 1 identifying you as a merchant that accepts a PayPal service as a payment form, and 2 any other use to which you specifically consent.
PayPal may transfer or assign this user agreement or any right or obligation under this user agreement at any time. If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. If the holiday falls on a Sunday, PayPal observes the holiday on the following Monday. So stay on the lookout for some of these common scams:. Always use common sense when sending money. If something sounds too good to be true, it probably is.
Only send money for yourself and not for others. Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us. If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address if we have verified the required identifying information that you have provided to us or, if required, escheat send those funds to your state of residency.
PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. If your address is unknown or registered in a foreign country, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the State of Delaware. Where required, PayPal will send you a notice prior to escheating any funds in your PayPal account, including any balance in a linked Balance Account. If you fail to respond to this notice, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the applicable state.
You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal.
You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include:. Protecting your privacy is very important to us. Please review our Privacy Statement in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
The California Department of Business Oversight offers assistance with its complaint form by phone at If you are a California resident, you have a right to receive communications about your PayPal account and the PayPal services by email. Florida residents may contact the Florida Department of Financial Services in writing at East Gaines Street, Tallahassee, Florida, , or by telephone at Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement.
In the event of a conflict between the English version of this user agreement and a version in a language other than English, the English version shall control. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling. If you as a seller receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services.
You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties. To the extent that you process any personal data about a PayPal customer pursuant to this agreement, you and PayPal will each be an independent data controller and not joint controllers , meaning we will each separately determine the purposes and means of processing such personal data.
We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this agreement.
For personal accounts, notice will include posting information about the changes on our Policy Updates page. If you accepted this user agreement prior to us posting notice of the changes on our Policy Updates page, then such notice will be provided at least 21 days before the applicable effective date. For business accounts, notice will include posting information about the changes on our Policy Updates page or providing information about the changes by other written means which may include email.
If you accepted this user agreement prior to us providing notice of the changes on the Policy Updates page or by other written means, then such notice will be provided at least 5 days before the applicable effective date. All PayPal accounts let you do things like: Send and receive money. Buy things online, using mobile devices or in stores. Make payments using your credit card, debit card, bank account, or other payment options, including funds held as balance in a business PayPal account if we have verified the required identifying information you provide to us or funds held in a PayPal Balance account linked to a personal PayPal account if you choose to open a PayPal Balance account.
Accept credit card, debit card, bank account, Balance Account, and other payment methods from others. Personal PayPal accounts If you primarily need to make purchases and send money to family and friends, a personal PayPal account is probably right for you. With a personal PayPal account you can do things like: Send and request money from friends and family.
Buy goods and services. Business PayPal accounts We recommend business PayPal accounts for people and organizations that primarily use PayPal to sell goods or services or to receive donations, even if your business is not incorporated. With a business PayPal account, you can do things like: Use a company or business name as the name on your business PayPal account. Allow employees access to some of the features of your business PayPal account.
Sign up for PayPal products that meet your business needs. Commercial Entity Status If the activity through any type of PayPal account you hold reaches certain thresholds or involves certain business segments or activities, you are required by the card networks to agree to a Commercial Entity Agreement to allow you to continue accepting Visa and MasterCard payments.
In certain cases, you may not close your PayPal account, including: To evade an investigation. If you have a pending transaction or an open dispute or claim. If your PayPal account has a negative balance. If your PayPal account is subject to a hold, limitation or reserve. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you; open a Balance Account to hold the money as a balance in your Balance Account for purchases or to transfer funds to friends and family members.
A Balance Account is separate account from your personal PayPal account. The required identifying information is: For sole proprietorships: name, physical address, date of birth and taxpayer identification number; or For other types of business legal entities: business name, business address, taxpayer identification number, and proof of business existence. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you.
Restrictions on transfers or withdrawals from PayPal accounts To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal for example, as a result of a chargeback , bank reversal, or dispute by a buyer.
Completing two out of three of the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap: Verifying your bank account. Linking and confirming your credit or debit card information. Providing your social security number. Holding currency other than U. If you hold a balance in your business PayPal account or in your Balance Account: We may allow you to convert the funds to balance in another currency. We may, at our discretion, impose limits on the amount of money you can convert or the number of conversions you can perform.
You may only withdraw the funds in U. In order to withdraw funds in your account held in another currency you will have to convert the currency to U. How we convert currency If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange.
Currency conversion choices When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. If they decline to accept the money, the money including any fees you were charged will be refunded to: The original payment method you used for the transaction, if you used a credit card, debit card, PayPal Credit, a Balance Account, or balance in a business PayPal account as the payment method, or The balance in your business PayPal account or the balance in your Balance Account linked to your personal PayPal account if you used a bank account as the payment method and we cannot refund it to your bank account.
If you do not have a Balance Account linked to your personal PayPal account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts. How to buy something or make a donation You can buy something from a seller who accepts PayPal or make a donation, in any currency that the recipient accepts and that PayPal supports using any payment method linked to your PayPal account.
Sending money to a seller for goods or services. Making donations using PayPal. Payment review When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. Automatic payments You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller.
Refunds When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the money will typically be refunded to the original payment method you used for the transaction if you used a debit card, credit card, PayPal Credit, or a balance in your Balance Account or business PayPal account. Selecting a preferred payment method You can choose any of the payment methods in your PayPal account as your preferred payment method.
Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. Sending money to friends and family When you send money to friends and family within the U. Automatic payments Some sellers allow you to store PayPal as the way you pay when making purchases on their site, so you can check out faster. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient.
E-check E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. Debit card processing PayPal will process your debit or prepaid card funded transactions through either the ATM debit network or the Visa, MasterCard or Discover network.
Receiving payments If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must: Pay any applicable fees for receiving the funds. Receiving donation payments If you use your PayPal account to accept donations, including using the Generosity Network , the Donate Button, or PayPal Checkout for Donations, you must: Pay any applicable fees for receiving the funds.
If you do so, PayPal may remove your PayPal account's ability to use those services or otherwise receive donations. No surcharges You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method.
Your c 3 status must be documented with PayPal to receive the rates applicable to charitable organizations, and those rates will apply only after you document your status with us. Standard transaction fees The fees you pay when selling goods or services or receiving donations, and the buyer pays using their PayPal account or using another authorized wallet , can be found on the Standard Transaction Fees table , with the fees applicable to charitable organizations founds on the Standard Transaction Fees for Charitable Organizations table for the charitable fees.
Please note that: We may revise the fees applicable to future transactions that you process using PayPal, subject to the applicable notice requirements set forth herein. Micropayments You may apply to receive Micropayments pricing for certain lower value transactions processed through your PayPal account. If your PayPal account has been approved for Dynamic Micropayments also known as Dynamic Pricing , then PayPal will automatically apply either the Micropayments rate or the applicable higher value transaction rate to each transaction processed through your account based on whichever rate results in the lowest fees to you for that transaction.
If your PayPal account has previously been approved for Static Micropayments, then all such transactions processed through your account will receive the Micropayments rate , regardless of the transaction amount. If you have multiple PayPal accounts, but only some of them have been approved for Static Micropayments, then you are responsible for routing your transactions through the appropriate account to receive the desired pricing.
Once a transaction is processed, PayPal will have no responsibility to re-route the transaction through a different account or apply different pricing. PayPal may, at its sole discretion, unilaterally convert your account from a Static Micropayments setup to the Dynamic Micropayments setup. PayPal has no obligation to offer the Static Micropayments setup as an alternative to the Dynamic Micropayments setup.
Not all payment types are eligible for Micropayments pricing. Your responsibility to notify PayPal of pricing or fee errors Once you have access to any account statement s or other account activity information made available to you by PayPal with respect to your business account s , you will have sixty 60 days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal. General information If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees including any applicable chargeback fee or Dispute fee.
Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if: You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. You lose a Venmo Protected Purchase Program claim. The card issuer, not PayPal, determines whether a buyer is successful when they pursue a chargeback related to a card-funded transaction.
You do not fulfill the transaction as promised or you cannot provide proof of shipment or proof of delivery when required. PayPal sent the payment to you in error. The payment was unauthorized You received the payment for activities that violated this user agreement or any other agreement between you and PayPal. Resolved directly between you and the buyer and not escalated to a claim with PayPal. Filed by the buyer directly with PayPal as an Unauthorized Transaction.
Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. Decided in your favor by PayPal or your issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency.
This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may not receive the item back. The Purchase Protection claim will only be considered fully resolved if: the refund to a buyer is processed through PayPal or Venmo, as applicable, or you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided.
You will not receive a refund of the PayPal fees that you paid in connection with the sale. If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.
If you participate in this program: You must: You must not: Comply with all integration requirements provided by PayPal or each authorized third party, including those with respect to accurate presentation of all PayPal related information. Modify any PayPal content or its presentation in any way.
Only use the code for PayPal content as provided by PayPal. Copy PayPal content from other websites. Use the PayPal content in its entirety with all the links and language provided by PayPal and without modification by you. Create, display or host your own PayPal content, unless authorized by PayPal in writing. Post PayPal content on social media networks or platforms or anywhere else, unless authorized by PayPal in writing.
Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the code to facilitate future updates.
Display any non-current PayPal content. Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self-regulatory bodies including but not limited to the digital advertising standards issued by the Network Advertising Initiative. These amounts constitute actual damages suffered by PayPal as a result of your actions i. PayPal may deduct such damages directly from any existing balance in any PayPal account you control.
What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. Some common situations where PayPal will hold payments include: New sellers or sellers who have limited selling activity.
Payments for higher-risk categories like electronics or tickets. Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Account Limitations Limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities , an increased financial risk, or activity that appears to us as unusual or suspicious.
If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorized transfers between your PayPal account and your bank account. In order to comply with applicable law.
If we believe in our sole discretion that you have breached this agreement or violated the Acceptable Use Policy. Seller performance indicating your PayPal account is high risk. Reserves placed on business PayPal accounts We may place a reserve on your business PayPal account at any time if we believe there may be a high level of risk associated with you, your business PayPal account, your business model, or your transactions.
PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: How long you have been in business. Whether your industry has a higher likelihood of chargebacks. Your payment processing history with PayPal and other providers. Your delivery time frames. Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two categories of reserves that may be placed on your business PayPal account, and one or both may be applied at the same time: A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis.
Rolling reserves are the most common type of reserve. The minimum reserve is either taken as an upfront amount deposited all at once also known as an Upfront reserve or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve.
What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: If you grant authority to someone to use your PayPal account by giving them your login information and they exceed the authority you gave them. You are responsible for transactions made in this situation unless you have previously notified PayPal that you no longer authorize transfers by that individual.
Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. You send a payment and the incorrect amount is debited from your PayPal account. An incorrect amount is credited to your PayPal account. A transaction is missing from or not properly identified in your PayPal account statement. We make a computational or mathematical error related to your PayPal account.
You request receipt or periodic statement documents that PayPal is required to provide to you. You request information concerning preauthorized recurring transfers to your PayPal account that PayPal is required to provide to you. You request additional information or clarification concerning a transfer to or from your PayPal account, including a request you make to determine whether an error has occurred.
You inquire about the status of a pending transfer to or from your PayPal account. You request documentation or other information, unless the request is for a duplicate copy for tax or other record-keeping purposes. What is not considered an Error The following are NOT considered Errors: If you give someone access to your PayPal account by giving them your login information and they use your PayPal account without your knowledge or permission.
You are responsible for transactions made in this situation. Routine inquiries about the balance in your Balance Account or business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account. Requests for duplicate documentation or other information for tax or other recordkeeping purposes.
Tell us your name and account number if any. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. We will rectify any processing error that we discover. If the error results in: You receiving less than the correct amount to which you were entitled, then we will credit your PayPal account for the difference between what you should have received and what you actually received.
You receiving more than the correct amount to which you were entitled, then we will debit your PayPal account for the difference between what you actually received and what you should have received. Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless: through no fault of ours, you did not have enough available funds to complete the transaction; our system was not working properly and you knew about the breakdown when you started the transaction; or the error was due to extraordinary circumstances outside our control such as fire, flood or loss of Internet connection , despite our reasonable precautions.
Processing errors are not: Delays that result from PayPal applying holds, limitations or reserves. Delays based on a payment review. Delays described under How to buy something related to the time it may take for a purchase transaction to be completed in some situations.
Your errors in making a transaction for example, mistyping an amount of money that you are sending. What is a Remittance Transfer You may be protected for certain errors when you send money using a PayPal account outside of the U. S dollars excluding fees charged to you or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and The recipient of the payment has a PayPal account in a country outside the U.
For example, you were charged more than the total shown on the remittance transfer receipt you received unless the total shown on the receipt was an estimate, and the difference results from application of the actual exchange rate, fees, and taxes. PayPal made a computational or bookkeeping error, such as a miscalculation of the amount the recipient received.
The amount stated in the remittance transfer receipt was not made available to the recipient, unless: we stated in the remittance transfer receipt that we used estimates and the difference in the amount received and the amount stated in the remittance transfer receipt results from application of the actual exchange rate, fees, and taxes, or the problem was caused by extraordinary circumstances outside our control.
Funds were available to the recipient later than the date of availability that was disclosed to you on the remittance transfer receipt or were not delivered, unless: extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances, delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Controls or similar requirements, or you or someone assisting you made the transfer with fraudulent intent.
You request documentation or information concerning the Remittance Transfer, such as information required to determine if a Remittance Transfer Error occurred. What is not considered a Remittance Transfer Error The following are NOT considered Remittance Transfer Errors: An inquiry about the status of a Remittance Transfer, except where the funds from the transfer were not made available to a designated recipient by the disclosed date of availability, A request for information for tax or other recordkeeping purposes, A change requested by the designated recipient, or A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure.
What to do if you think there has been a Remittance Transfer Error or problem If you think there has been a Remittance Transfer Error or problem with your Remittance Transfer: Call us at: Log in to your PayPal account at paypal. When you do, please tell us: Your name, address and telephone number, The error or problem with the transfer, and why you believe it is an error or problem, The name of the person receiving the funds, and if you know it, his or her telephone number or address, The dollar amount of the transfer, and The confirmation code or number of the transaction.
PayPal suspension and termination rights PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.
Security interest As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account. Amounts owed to PayPal If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal.
No waiver Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches. Release of PayPal If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.
Among other things it: Affects your rights and will impact how claims you and we have against each other are resolved. Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us.
Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice and the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. Agreement to Arbitrate Our Agreement You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual non-class, non-representative basis.
Prohibition of Class and Representative Actions and Non-Individualized Relief You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Arbitration Procedures Arbitration is more informal than a lawsuit in court. Severability With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply.
Opt-Out Procedure If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. Future Amendments to this Agreement to Arbitrate Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate other than an amendment to any notice address or website link provided herein in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment.
License grant from you to PayPal; intellectual property warranties PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. License grant from sellers to PayPal Notwithstanding the provisions of the prior paragraph , if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable through multiple tiers , and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark s including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you for the purpose of 1 identifying you as a merchant that accepts a PayPal service as a payment form, and 2 any other use to which you specifically consent.
So stay on the lookout for some of these common scams: Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be PayPal or coming from PayPal but asks you to send money outside your PayPal account. Relative in Need: a scammer impersonates a family member commonly grandchildren and claims there is an emergency requiring you to send money.
Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation. Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment. Dormant accounts If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address if we have verified the required identifying information that you have provided to us or, if required, escheat send those funds to your state of residency.
Governing law You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal. Identity authentication You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity.
PayPal is only a payment service provider We act as a payment service provider only. We do not: Act as an escrow agent with respect to any funds kept in your account; Act as your agent or trustee; Enter into a partnership, joint venture, agency or employment relationship with you; Guarantee the identity of any buyer or seller; Determine if you are liable for any taxes; or Unless otherwise expressly set out in this agreement, collect or pay any taxes that may arise from your use of our services.
Privacy Protecting your privacy is very important to us. Translation of agreement Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. Unlawful internet gambling notice Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your PayPal account or your relationship with PayPal.
If you want to purchase crypto as fast as possible to take advantage of an anticipated price change before it occurs, buying without ID verification might be a quicker option. If privacy is important to you, there are several steps you can take to protect your identity when sending and receiving cryptocurrency. These include:. Whatever your reason for wanting to buy crypto without ID, there are several options available.
Make sure you research all of your options before deciding on the safest approach. Like your credit card, your bank account is linked to your identity, so buying crypto via bank transfer or any other method linked to your account will always be traceable back to you. Tim Falk is a freelance writer for Finder, writing across a diverse range of topics.
Over the course of his year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. Click here to cancel reply. I am a novice trader and I will say your item is not correct. Banks cansel transactionsin the exchange for purchase of cryptocurrency. Maybe you have a list of banks that allow you to purchase bitcoins or at least information where you can find out which banks allow you buy bitcoins from your credit cards?
We do not have a list of banks that allow crypto transactions automatically but since it is the bank the cancels the transaction, you may need to provide authorization first to the bank to allow these transactions to move forward. Cryptocurrencies are speculative, complex and involve significant risks — they are highly volatile and sensitive to secondary activity which may be one of the reasons the bank denied it.
Hope this helps! You will need to follow the following steps to purchase Bitcoin from Coinmama. Login Your Account 3. Bitcoin Wallet Address 6. Billing Information and Address 7. Verify your Email and Phone Number 9. ID Verification Wait for Confirmation of Verification Receiving Confirmation Email. I love trading buy or sell bitcoins at furcoins because of their fast and safe service delivery.
Thank you for visiting finder, we are a financial comparison website and general information service. Learn more about bitcoin , how it works and compare exchanges where you can buy it. Optional, only if you want us to follow up with you. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
While we are independent, the offers that appear on this site are from companies from which finder. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us.
Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Purchase Bitcoin without ID using cryptocurrencies like US-dollar stablecoins Open an account without ID using just an email address Earn interest on your cryptocurrencies. Tim Falk. Updated Sep 29, What changed?
Learn more about how we fact check. Navigate Cryptocurrency In this guide. Buy bitcoin without ID verification on these exchanges Three ways to buy bitcoin anonymously Why is it difficult to buy bitcoin without ID? Why might people want to buy bitcoin without ID? Crypto Finder. Cryptocurrency exchanges. Cryptocurrency wallets. How to buy. A-Z list of exchanges. A-Z list of wallets.
Top coins explained. A-Z list of coin guides. Satoshi to bitcoin conversion. Ethereum unit converter. Crypto trading hours. NFT hub. Finder exclusive: Sign up and use code 1xf56 for one month of VIP 1 benefits. Browse a variety of coin offerings in one of the largest multi-cryptocurrency exchanges and pay in cryptocurrency. Go to site View details. Paxful P2P Cryptocurrency Marketplace. Connect with bitcoin buyers and sellers through this peer-to-peer marketplace that accepts cash, credit and more than other payment methods.
LocalBitcoins P2P Exchange. Trade fiat currency for bitcoin in person or online with this peer-to-peer exchange offering competitive fees and wide delivery options. View details. Compare up to 4 providers Clear selection. Peer-to-peer P2P marketplaces Buy bitcoin without ID, cut out the middleman to deal directly with the seller, negotiate for the deal you want You may need to settle for a higher price, and it could take time to find the right seller These platforms, such as LocalBitcoins and Paxful , allow you to interact directly with other users who want to sell their bitcoin.
Prepaid cards. Cryptocurrency exchanges and shifting services. Relatively simple to use, competitive fees More and more exchanges require proof of ID, virtually impossible to buy bitcoin with fiat currency without providing proof of ID On the vast majority of cryptocurrency exchanges, using fiat currency to buy bitcoin without ID is impossible.
Pros You can keep your financial information private.
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