Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us. 8.1. So stay on the lookout for some of these common scams: Always use common sense when sending money. You request information concerning preauthorized (recurring) transfers to your PayPal account that PayPal is required to provide to you. If you dont, PayPal may: PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyers PayPal account or through a PayPal Guest Checkout. Let's say Mary Ann finds a sweater she wants to purchase and clicks the Buy button on the product page. Depending on the type of PayPal service you choose, she might see a shopping cart page integrated with your website. PayPal offers sellers a certain level of protection from fraudulent purchases if they follow their Seller Protection rules. Paying for goods and services with PayPal is a simple process. To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. You have sole responsibility and liability for: (i) determining what, if any, Taxes apply to the sale of your products and services, acceptance of donations, or payments you receive in connection with your use of the Services; and (ii) assessing, collecting, reporting, and remitting Taxes for your business to the appropriate tax and revenue authorities. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court. In these instances, your payment may appear as a pending order in your PayPal account. First, sellers should only ship items to the address PayPal provides.. You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between you and us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below. You may ask for copies of any documents we used in our investigation. If a customer chooses to pay via eCheck, the funds will take three to five business days to post, much in the same way a paper check would. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. The services provided by the Platform are governed by your agreement with the Platform and are provided by PayPal. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: There are two categories of reserves that may be placed on your business account, and one or both may be applied at the same time: If we place a reserve on funds in your account, the funds will be shown as "pending" and well notify you of the terms of the reserve. This directs her to a payment page, hosted by PayPal. The PayPal Advertising Program enables you to promote PayPal services, including PayPals consumer credit products, through PayPal-hosted banners and buttons on your websites or in your customer emails. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. Prohibited Businesses and Activities. 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. 1.1. However, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. PayPal co-branded credit card; 5. Balance Account (if one is linked to your personal account) or balance in your business account (if weve been able to verify the required identifying information you provide to us); 2. In certain cases, you may not close your PayPal account, including: You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. eBay says the new system is simpler, more convenient and gives buyers more payment options. The terms, benefits, and protections associated with your PayPal account may vary from those that apply to your bank account. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable for any reason, the remaining provisions not so declared shall nevertheless continue in full force and effect, but shall be construed in a manner so as to effectuate the intent of this Agreement as a whole, notwithstanding such stricken provision or provisions. You will be provided with notice of amendments through the Platform. 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. PayPal, we, or us in this Agreement means PayPal, Inc., a Delaware corporation in the United States whose address is 2211 North First Street, San Jose, CA 95131. 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 have the right to receive an account statement showing your PayPal account activity. Here's how to deal with them all, in a few digestible steps. This is for both buyers and sellers. Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. Money sent to a business account can be held directly as balance in the business account. We may place a reserve on your business account at any time if we believe there may be a high level of risk associated with you, your business account, your business model, or your transactions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. SERVICE REQUIREMENTS, LIMITATIONS AND RESTRICTIONS. As a third-party beneficiary, American Express shall have the right to enforce directly against you the terms of this Agreement as related to American Express Card acceptance. requiring you to provide your drivers license or other identifying documents. As a seller, you can accept payments from a buyers account through preauthorized transfers either on a one-time, regular or sporadic basis. Learn more and manage your cookies, Fees for Sending Money to Friends and Family, Restricted Activities, Holds, and Other Actions We May Take, Court Orders, Regulatory Requirements, or Other Legal Processes, Protection from Unauthorized Transactions, Indemnification & Limitation Of Liability, Receiving, Holding, or Transferring Funds, agreement to resolve disputes by arbitration, Electronic Communications Delivery Policy (E-Sign Disclosure and Consent), Fees for Transferring Funds (for personal accounts), Fees for Transferring Balance (for business accounts), Receiving Funds, Holding a Balance or Transferring Funds, PayPal Alternative Payment Methods Agreement, Standard Transaction Fees for Charitable Organizations, Electronic Communications Delivery Policy, Liability for Unauthorized Transactions and Other Errors. PayPal is not responsible for any amounts owed to you by your customers, including amounts for payment transactions that were authorized by the issuer or provider of the payment method but that were subsequently rejected or reversed. 2019 www.azcentral.com. The Platform may provide certain seller protection programs or other policies designed to promote successful transactions. PayPal offers a free card reader that connects to any iOS or Android device, allowing sellers to accept payments anywhere they have a connection to the Internet. You appoint the Platform as your agent for purposes of receiving notice of amendments to this Agreement and your use of the Services after the effective date of the posted amendment shall constitute acceptance of such amendment. 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 account. If you open a Balance Account, we will automatically link your Balance Account to your personal account. You agree that upon PayPal receiving payment from a customer: (a) you shall be deemed to have received payment from such customer, (b) such customers obligation to you in connection with such payment shall be satisfied in full, (c) any claim you have for such payment against such customer shall be extinguished, and (d) you are obligated to deliver the applicable goods and/or services to the customer, in each case regardless of whether or when PayPal remits such payment to you. Tell us the dollar amount of the suspected error. Someone paying you back money is generally not taxable. This page details and/or previews updates to PayPal users of changes to the United States PayPal User Agreement or other online agreements, policies, or statements that require notice. If you follow all these rules, then PayPal will guarantee the payment for any shipment of actual, physical goods. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. 8.4.You represent and warrant that the Services are being used for business purposes and not for personal, family or household purposes. Umm- PP has been known to Hold funds, pay out refunds etc, too. ); or using someone elses PayPal account; or. This means that if you have not paid funds that you owe to us or your customers, we have a right superior to the rights of any of your other creditors to seize or withhold funds owed to you for transactions that we process through the Services, and to debit or withdraw funds from your Settlement Account. Payment of all AAA or arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. This Agreement is a legally binding contract and is effective as of the earlier of the date you accept this Agreement online or begin using the Services. 2.2. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. This means that it is harder to bypass, and your data stays safe. You are liable for all claims, expenses, fines and liabilities we incur arising out of: 5.1. To make such a request, send a letter to PayPal to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131), include your email address, and your request for that information by email. Seller Protection. We lived with that. Under the Agreement to Arbitrate, the parties will (1) only be permitted to pursue claims against each other on an individual basis, not as a plaintiff or class member in any class or representative action or proceeding and (2) only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis. 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. In addition, payment methods may be limited for certain sellers or recipients, including PayPal payments made through certain third-party websites or applications. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all AAA or arbitrator fees associated with the arbitration. 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 and use the money as a balance in your Balance Account for purchases or to send personal transactions to friends and family members. 12.6. 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. When you store your loyalty card numbers or bar codes in your PayPal account, you will earn any rewards, subject to the sellers loyalty card terms and conditions, at the time you make your payment to the merchant by presenting the stored loyalty card number or bar code to the seller at the point of sale. If you do not want us to update your card information, you may remove your payment method from your PayPal account. Read on to learn how it can work for your business, too.A step-by-step guide to PayPal.PayPals mission is to build the webs most convenient, secure, cost-effective payment solution. But what is it that PayPal does, exactly?A typical PayPal transaction sequence:1. 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