how to accept paypal user agreement

If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the transaction exchange rate (including our currency conversion fee) that applies at the time the refund or reversal is processed. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. name, address, email address, etc. With a personal account you can do things like: You can also use a personal account to receive money for the sale of goods and services, but if you plan to use your PayPal account primarily to sell things, you should consider a business account. If you refund a transaction, well retain the fees you paid as set out on our Fees page. Protecting your privacy is very important to us. We may allow you to withdraw the money by transferring the money to: Fees apply to withdrawals. This user agreement will continue to apply to your previous use of our services. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. Where a currency conversion is offered at the point of sale by the merchant, not by PayPal, and you choose to authorise the payment transaction on the basis of the merchant's exchange rate and charges, PayPal has no liability to you for that currency conversion. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. <<8320A1FC1FD347458C55EF0B6BC15FE0>]/Prev 419728/XRefStm 2840>> Use the PayPal services to test credit card behaviours. If your not selling something that is illegal then what is the problem? If you hold a PayPal balance, we may allow you to convert it to balance in another currency. bank direct debit) used by the provider of that funding source to set up and maintain that authority) for the required value of the electronic money: We may charge the funding source again if the previous attempt failed. The way in which we provide the transaction information will allow you to store and reproduce the information unchanged, for example by printing a copy. It may not display this or other websites correctly. 2488 0 obj <> endobj In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: You agree that engaging in the above restricted activities diminishes your or our other customers' safe access and/or use of your account and our services generally. If we change the terms of the reserve due to a change in our risk assessment, well notify you of the new terms. A suspension or other action taken with respect to your PayPal account. If you used a bank account as the payment method for the transaction, we will refund the money to your bank account, or to your PayPal balance if we cannot refund it to your bank account. You are not entitled to a refund for billing agreement payments. If you have not chosen a preferred payment method, its still your choice. The external base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day. Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: If you are using PayPal Payouts (formerly Mass Pay), the terms of the PayPal Payouts Agreement will apply. A device you have used to access our services was lost, stolen or deactivated. Subject to this user agreement, the preferred funding source will be used as the default funding source for payments you send from your account. If you cancel a billing agreement, you may still owe the recipient money for goods or services that you have received but have not paid for. You do not have enough money in your PayPal balance. We will release the hold on the funds according to the instruction that you (or the entity that you have permitted to act on your behalf) give to us, subject to the rest of this user agreement. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. You may not copy, imitate, modify or use them without our prior written consent. These services are collectively referred to as the service. This license grant applies to the software and all updates, upgrades, new versions and replacement software. If you give such an authorisation and the marketplace has notified us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace's instructions to us. We may hold, cancel, or reverse any transaction we determine to violate this policy. You must also provide customers with a physical receipt if they request one. Complete our investigation within 90 days of the date we receive your notification of the error. 0000012903 00000 n 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. You will be considered to have received a communication from us, if its delivered electronically, 24 hours after the time we post it to our website or email it to you. You acknowledge that PayPal does not own, control nor have any responsibility or liability for any such third party software application you elect to use on any of our websites, software and/or in connection with the PayPal services. We may allow you to send to the payer a refund of the payment. We may, at our discretion, impose limits on the amount and value of payments you can make, including money you send for purchases. If you promote the use of PayPals Pay Later offers on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. There was another security /fraud problem and you didn't tell us about it. Click the "Email Us" link to contact us online. New sellers or sellers who have limited selling activity. We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal's sponsorship or endorsement. If we decide to do this, we will credit your PayPal account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If you convert money in your PayPal balance from one currency to another before sending money, PayPals transaction exchange rate (including our currency conversion fee) will be used. If you are using PayPal software such as an API, developer's toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal's software in accordance with the documentation accompanying such software. You must check all correspondence between us carefully and tell us as soon as possible if it includes something which appears to you to be wrong or not made in accordance with your instructions. 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. We will communicate with you in English only. If you accept payments using a PayPal product (like. Please keep your payment method information current (i.e. You may not rent, lease or otherwise transfer your rights in the software to a third party. There is a sudden and abnormal change in a PayPal account holder's selling activity including an increase in the number of chargebacks, reversals, or buyer complaints received in relation to such PayPal account. When you withdraw your money you need to have enough PayPal balance to cover the value of any withdrawal at the time of the withdrawal. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Convert the electronic money to money that we can transfer to your nominated funding source. We will aim to respond to your complaint as quickly as possible; however, depending on the complexity of the issue, it may take up to 15 business days for payments-related complaints and up to 8 weeks for all other complaints. These 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. We may allow you to choose the way in which your account treats and/or converts payments received in currencies other than the opening currency of your account. Your need to modify your practices, content, or behaviour, or your loss of or inability to do business, as a result of changes to this user agreement or PayPal's policies. This situation wont qualify as a Remittance Transfer Error if it resulted from either: The funds you sent were made available later than the date of availability shown to you on the payment receipt. This may include: Anti-money laundering and counter-terrorism financing laws may require that PayPal verify certain identifying information if you use certain PayPal services. You must publish a refunds and returns policy. PayPal may update or discontinue any software upon notice to you. 0000008706 00000 n 0000004702 00000 n We may cancel any pending transactions and you will forfeit any balances associated with special funding arrangements. We may also send this information to you. %PDF-1.7 % It is the express wish of the parties that these terms and any directly or indirectly related documents be drawn up in English. PayPal may cancel your transaction as outlined in this User Agreement. Otherwise, you will be charged the Standard Dispute fee for each dispute. We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account (instant transfer); 3. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. The report will only be updated and made available if there has been any activity on your PayPal account or any fees have been incurred in the relevant period. It applies only to PayPal accounts of residents of the United Kingdom (UK), Guernsey, Isle of Man and Jersey. In this case, these Commercial Entity Agreements will apply to any payment processed by PayPal on your behalf in addition to this user agreement. Our affiliates include each entity that we control, we are controlled by or we are under common control with. We will tell you the results within 3 Business Days after completing our investigation. You must also not use QR codes for in-person transactions as a method of accepting payment for goods and services transactions occurring online. Instead, you will pay a currency conversion fee applied on an external base exchange rate as described on the Fees Page (see also the "How We Convert Currency" section). Routine inquiries about your PayPal balance. A micro-enterprise (being an enterprise which employs fewer than 10 persons and has an annual balance sheet that does not exceed 2 million EUR). For new PayPal accounts, we may take up to 20 Business Days to credit your PayPal account for the amount you think is in error. If they dont claim it, it will be refunded to you. If the recipient already has a PayPal account, they can refuse to accept the money. All PayPal accounts let you do things like: You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your PayPal account and the PayPal services. 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. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. JavaScript is disabled. We may suspend, limit or terminate your access to or use of our services, websites, software, systems (including any networks and servers used to provide any of the services) operated by us or on our behalf or some or all of the services. 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 Commercial Entity Agreements directly with our processing partners to allow you to continue accepting card-funded payments. In this section, we use the term PayPal to refer to us (PayPal (Europe) S. r.l. For purchases you make in a sellers store location that you paid for using your PayPal account and the transaction is ultimately refunded, the money will be refunded to your PayPal balance. For the purposes of this provision, such pricing or fee errors or discrepancies are different than Unauthorized Transactions and other electronic transfer Errors which are each subject to different notification timeframes as set forth herein. This user agreement will be effective for all users as of September 19, 2022. If you have a business account, this transactions exchange rate will not apply. You can also use the send money feature in your PayPal account to pay for good or services. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. We may configure your account further so that you can use it to store money and send and receive payments in currencies other than the opening currency of your account. You are liable to us for the actions that you authorise the third parties to carry out. If you select a payment method with a fee, we will always show you the fee before you send money. PayPal's risk of liability in respect of any event of insolvency that you suffer can last for as long as and to the extent that laws applicable to your insolvency restrict PayPal from taking legal action against you. I know about the horror stories also. Other than as set out below and on the Fees Page, if PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. Your name, and telephone number or email address registered to your PayPal account. Act as an escrow agent with respect to any funds kept in your account; 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. You agree to review your transactions through your PayPal account history instead of receiving periodic statements by email. 0000006536 00000 n You can set separate preferred funding sources for some billing agreement payments. We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorised or incorrect or that their billing agreement payment was not expected) see, We are entitled to carry out the reversal for any other reason under this user agreement, including the provision. PayPal is number B00000351 on the register, but you can also look us up on the register by our name. The use and priority of these special funding arrangements are subject to further terms and conditions between you and us. You acknowledge that PayPals use of your content will not infringe any intellectual property or publicity rights. startxref This is where a payment sent from your account wasn't authorised by you (or anyone who's authorised to make payments for you). If you meet the eligibility requirements as set out in the Charity Certification Policy, you will be enrolled with PayPal Giving Fund upon acceptance of this user agreement. If you accepted this user agreement prior to us posting notice of such changes on the Policy Updates page, we will also provide you with at least 30 days advance notice (and at least 90 days advance notice to our Business Account holders in the case of the introduction of a new fee or an increase of an existing fee related to credit or debit card transactions which applies them). Once you provide your payment instruction to us, you may not cancel it, except if it is a payment instruction under a billing agreement (see below for more details). In either case, a currency conversion will be necessary, and PayPals transaction exchange rate (including our currency conversion fee) will be used. If your payment requires a currency conversion by us, the transaction exchange rate will be determined and applied as described in the How we convert currency section and may be the rate at the time the payment is processed. You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. If you are using PayPal Payouts (formerly Mass Pay), the terms of the PayPal Payouts Agreement will apply. Access the PayPal services from a country that is not included on PayPal's. You may ask for copies of the documents that we used in our investigation. 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. (PayPal) governing your use of your PayPal account and the PayPal services, which we call our user agreement. Whether you have higher than average number of returns, chargebacks, claims or disputes. This will be disclosed to you by the third party before the payment is initiated. Tell us the dollar amount of the suspected error. After this time you will be able to withdraw any undisputed funds that we are holding. 0000019937 00000 n You will not receive interest or any other earnings on the money in your account. Buyers rights under these programs may impact you as a seller. For details on how to reach PayPal, please refer to this page on Customer Service. By making use of our services during the 14-day withdrawal period you require our services to be provided before the end of the 14-day right of withdrawal period. If a purchase that you paid for with PayPal was not as described or you have not received the purchase, PayPal Buyer Protection, not this section, may apply. By opening up a business account or converting a personal account to a business account, you certify to us that you are using it primarily for a business or commercial purpose. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. You may only withdraw PayPal balance in the opening currency of your account, unless we agree otherwise. You must treat PayPal as a payment method or mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. This amount does not constitute electronic money, is not deemed part of your PayPal balance and is not redeemable in cash - it only represents the amount of electronic money which we offer to issue and credit to your account at the time of (and only to immediately fund) a qualifying payment, subject to (and only for the period outlined in) the further terms and conditions of use of that special funding arrangement. Control an account that is linked to another account that has engaged in any of these restricted activities. Was able to cancel the order. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. PayPal will determine your province of residency based on the primary address for your PayPal account. Some sellers allow you to store PayPal as the way to pay when making purchases on their site, so you can check out faster. In that case, the seller will pay the fees. If your debit or credit card issuer alerts us that someone has used your card without your permission. The program terms and conditions are set out in PayPals Seller Protection program page and form part of this user agreement. I do not believe this will be the case. You can stop the permission by unlinking the funding source from your PayPal account. This is because we do not have all the information necessary to place the funds from your payment at your disposal in your PayPal balance while there is such a risk of reversal. PayPal User Agreement provides information regarding opening and closing an account, managing funds in multiple currencies, account statement, fees, and more. Tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. The amount transferred will be held as a balance in your PayPal account. You must ensure that all agreements with sellers or other third parties that involve third party initiated payments (including billing agreement payments) set up from your account are cancelled immediately upon the termination, suspension or closure of your account. Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyers option) any payment that is in an amount that falls outside of the pre-determined range. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. If you are an UK charity and hold a PayPal account, you may be eligible to participate in PayPal Giving Fund programmes. If we suspect someone could be using your PayPal account without your knowledge, well limit it for your protection and look into the fraudulent activity. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. Accept credit card, Visa debit card, Mastercard debit card, bank account, PayPal balance or other payment methods from others. Our Advanced Credit and Debit Card Payments service as part of the new checkout solution. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. There are several reasons why your PayPal account could be limited, including where we have reason to believe that: We may also limit your PayPal account in order to comply with applicable law. If you have a PayPal balance, you may withdraw it by: 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). Confirm whether an amount necessary for the execution of a card-based payment transaction is available on your account. This will show all fees incurred and any other amounts charged to your PayPal account in the relevant period. PayPal will notify you of each transaction by sending an email to your primary email address on file. 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. We may allow you to convert the funds to a balance in another currency. Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. 0000005106 00000 n We may make a charge for any additional services we provide outside this user agreement. If the payer used a card to fund the payment to you the payer could pursue a chargeback with the card issuer. Unless otherwise noted, if we take any of the actions described here, well provide you with notice of our actions, but we retain the sole discretion to take these actions. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. For example, you can instruct your monthly movie subscription service to always charge your credit card for the monthly cost. This is because the money in your account is electronic money and applicable laws forbid paying interest on electronic money. Compensate you as soon as possible (and in any event no later than the end of the Business Day after you tell us about the problem) by putting your account in the state it would have been in had the incorrect payment been sent as actually specified by the sender. PayPal specifically disclaims any implied warranties of: 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 authorised to do so. If you accept PayPal payments at your physical store, you must communicate the total amount of transaction to the customer before it takes place. In certain cases, you may not close your PayPal account, including: You can link or unlink a credit card, Visa debit card, Mastercard debit card or a Canadian bank account to your PayPal account as a payment method.