Complete PayPal Package

Spring 2023

8 Teaching Chapters

Topic :

📕INTRODUCTION
📒STEALTHING PAYPAL
📕CASH OUT ANONYMOUS
📒HOW PAYPAL LIMITS ACCOUNTS

📕RESTORING LIMITED ACCOUNTS

📒RETURNING AFTER SUSPENSION
📕PROTECTION AGAINST FRAUDS
 📒PAYPAL ALTERNATIVES
+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*+*

INTRODUCTION

Understanding how PayPal acts, can help you anticipate what their
next likely

move will be, regarding Your Account.

What makes PayPal the company they are today?

PayPal's public face is very different from the private PayPal that
many of us

never see. While PayPal denies publicly they have a customer service
problem,

they admit they have a customer service problem in private.

While PayPal denies publicly they don't make any money off of your
money,

PayPal admits it in legal documents. PayPal publicly says their buyer

protection

is there for buyers, but in private PayPal admits the policy is there to
prevent

costly chargebacks.
STEALTHING PAYPAL ACCOUNTS

This first part is for teach you how to be "stealth" on Paypal and how
to actually

get the money out. This guide is not about money laundering or
scamming,

although perhaps some of this information can be used to figure out

some

schemes on your own.

I currently have 3 Paypal accounts that I use, and 2 backup accounts

just in

case. None are in my name or anyone related to me. It is always a

good idea to

have one Paypal account that is legit, meaning you don't do any BS
with it. This

is your main account that you don't want to compromise. If you are
already

banned from Paypal, this is OK, you just need to create a new Paypal
with a

different name. The purpose of this main account is to use to

withdraw your

money.

You can have as many stealth accounts as you want. You NEVER want
to link
any of your stealth accounts to your main account, i.e., send money
directly

from one to the other. Paypal will ban accounts that they link to a
suspended

account, should one of your stealth accounts get banned. They will
see that the

banned account received x amount of dollars, and every time sends

same

amount to the other account. Its really not that difficult.

How to create a new account

If you've never had Paypal before, this is good, as you have a fresh
start. It is

OK to have a Paypal account that has your real info on it, as long as
you just

use it for innocent purposes, like selling or buying online.

I will not go in to detail about opening a genuine PP account, as it is

pretty self

explanatory. If you are banned, or just want another legit/main

account for back

up reasons, you basically make this new account the same way as you
would

create a stealth account. The only difference is how you use it.
It is best to use you main Paypal account on a separate browser than
your

stealth accounts. This just prevents accidents, like forgetting to log

out,

forgetting to clear cookies, and IP address/proxy issues.

Whenever you are done doing whatever it is you are doing, log and
and clear

your cookies and cache. I suggest using the same firefox portable as in
the

TOR browser bundle. All this is cleared automatically when you close
the

browser.

You need to first find a region-specific IP address to use as a proxy.

There are

many paid proxy services who do this. Don't use TOR, Paypal can
detect it and

will limit/ban your new account.

One thing I like to do is to use a free webhost and set up a basically

useless

site/page. Once they manually review the site, I put in a php proxy
script to use

so that I get a US IP address. If you implement this method, you must

use a
different host or at least create a new website within that host to get
on a

different server, or the IP address can be the same.

It's just one of the things I like to do. A sourceforge link for the proxy
will be

located at the end of this guide. Now that you have your proxy, check
it on

www.dawhois.com or other site and make sure it is working.

Next you need a new email account (new for every paypal account
you create).

I prefer yahoo since they never ask for phone verification and I can
create

yahoo accounts through TOR. Using a new email and IP address for
every

paypal account is MANDATORY! If you use the same IP for 2 accounts,

it

may as well be one account, it will only be a matter of time before

they link them

and ban them both.

You are going to want to get verified on at least one account, your
main

account. Your spending and withdraw limits will be lifted once

verified, and this
is the main reason to do this. Unverified accounts can only withdraw
500USD

per month, but there is no online spending limit.

If you live in US, Canada or Australia the only way to verify a Paypal
account is

by attaching it to a bank account. Fortunately, BY LAW, Paypal cannot

see the

name attached to the bank account. This is why they send 2 small
deposits to it.

You seeing the deposits and entering them in to Paypal "verifies" that
you are

the owner of the account.

If you live in Europe and most countries outside US you will need a
valid debit

or credit card to verify a Paypal account.

This is good to know just in case you lose your main account, all you
need to do

is open a new bank account or virtual card and start a new, verified
Paypal

account. Just make sure that you use a new bank account or card
number with

every account you wish to get verified. Having an account linked to a

real bank
account is ideal, since to get your money out, all you have to do is
send it to the

bank or use the Paypal debit card at an ATM (US residents).

But, not everybody can or wants to do this. If for any reason you don't
want to

use your own bank account, or want to verify other stealth accounts
but not

withdraw straight to the bank with them, you can buy a VBA, Virtual
Bank

Account or VCC virtual debit cards with cvv code.

These accounts are used only for verification. You can never withdraw
your

paypal funds direct to VBA account, as it becomes obsolete after it is

used.

Unless paypal has a reason to withdraw from your bank account, they
will never

know that the account is closed.

CASH OUT ANONYMOUS

This is the important part, and not surprisingly, the part most people
screw up.

Screw it up once, and link accounts, you risk having your money
frozen, AKA,
lost for good. Here are some of most used methods to retrieve your
funds from

Paypal.

e-Bay method:

The easiest way is to buy digital goods as vouchers, coupons or

bitcoins from eBay auctions. You must to create a good stealth ebay
account and after assign

your Paypal account.

Escrow sites method

Other easy way is to use re-seller sites and freelance sites.

http://fiverr.com ,

http://freelancer.com and others that offer an escrow service. This

method

should also be used to transfer from any paypal to paypal accounts

that you

own. Never link your accounts! Just like with paypal, set up accounts
both as

seller and buyer on however many sites you want to use. You really
only need

one seller account on each, and as many buyer accounts as you with.

Again, use new IPs and emails for every account. It is not only fine,
but
recommended to pair each account with the same IP/Email combo as
the

stealth paypal account it corresponds to. It's just easier to keep track
of the

combo this way. Paypal will only see the escrow transaction, and the
link

between the stealth and main account is broken.

Anonymous card method

1. Open an EU paypal account from one of the countries below. You

can

use fakenamegenerator.com or whatever you want.

2. Just make sure is is a merchant and not personal. There are 3 levels,
go

with the middle.

3. Get an anonymous debit card over web, and link it to the Paypal,
using

the CC and not the bank. I know for sure that the bank wont work for
US

accounts, as it is a deposit only bank account number. Depending on

the country and the country's banking regs, paypal may or may not try
to

take back the verification amount they sent. Forget that.

4. Once the Paypal and debit card are connected successfully, it is
time to

get cash out your money. Just look at card withdrawal option and
transfer

your funds to your anonymous card.

Look at https://www.paypal.com/worldwide/ and search countries

that Paypal

allows withdrawals to cards.

Credit card to IBAN method

You register online with GlobalWebPay

http://www.globalwebpay.com

You provide us with the money you wish to send (Either with CC or
Bank).

Funds are typically received by the recipient within 3 working days

but often the

next working day. Get some fresh CC's/ -Anon Iban Accounts good
VPN

network and ready to go. And just start cashing out all day from
different CC to

different IBAN.

Exchanges sites method

Another good method is to use money exchanges websites to change

Paypal
for Liberty Reserve, bitcoins, WebMoney, etc. But few sites accept
Paypal

because it is refundable and high risk for traders. Good and trusted
sites:

Multi

https://www.wm-center.com/exchange

Ukraine

http://ukrwm.com/en

United Kingdom

http://www.paypal2webmoney.com

Russia

http://exwp.com/index_en.html

USA

http://exchangezone.com

HOW PAYPAL LIMITS ACCOUNTS

PayPal might limit your account and freeze your funds because:

1. You received too much money into your account (this can be any
amount

that is not in proportion to what you normally received during the

average
history of your account).

2. You transferred too much money out of your account ($2,000 US is

the

rumored amount that triggers the fraud system).

3. You called customer service at PayPal and made somebody angry

(there

are documented cases of irate customers calling PayPal only to find

out

their accounts were limited moments after the phone call was made).

4. PayPal has reason to believe you have more than the allowed two

PayPal accounts (One Personal Account/One Premier Account).

5. Somebody filed a complaint with PayPal about you (a buyer or a

seller or

an interested third party).

6. You filed a complaint against somebody (a buyer or a seller).

7. You initiated a chargeback with your credit card company.

8. You initiated a chageback with your credit card company before

you filed

a claim through PayPal's Buyer or Seller Protection Program.

9. PayPal thinks you are trying to avoid paying PayPal fees by charging

excessive shipping & handling charges for your sales.

10.PayPal thinks you are using your PayPal account to speculate in the

currency market.

11.PayPal doesn't agree with some content on your website

(example: a

man who ran a well known blog had his PayPal account limited
because

his website contained a link to the Pearl terrorist killing. He accepted

PayPal donations on his website for his news blog).

12.PayPal believes you are in violation of its User Agreement.

13.PayPal believes you are in violation of its Acceptable Use Policy

(example: PayPal believes you used your account to purchase a dirty

book or dirty magazine).

14.PayPal believes you are in violation of its Privacy Policy (example:

you

gave information to the police about a fraud suspect who is also a

PayPal member).

15.PayPal believes you are in violation of their User Agreement.

16.You used your PayPal Debit Card to purchase material that PayPal
finds

objectionable (even if it's legal in the real world).

17.You charged too much money on your PayPal Debit Card.

18.You went on vacation and used your debit card in another state or

another country.

19.You used your PayPal debit card to make an online transaction that
was

not through PayPal (or a telephone order).

20.You refunded a buyer through your PayPal account -- but did not
use the

proper refund methods.

21.You lost a dispute claim.

22.You are late Paying your eBay fees -- or you owe eBay money.

23.You received a negative feedback comment on your eBay account.

24.You chose to use your PayPal account without verifying it.

25.PayPal believes that your account information is not up-to-date --

even if

they have no grounds to actually believe it.

26.PayPal tried to contact you over the phone and you did not
answer.

27.You were the victim of fraud (example: you clicked on a link in an

email

that you thought was from PayPal but it was really a phishing
website).
28.You reported to PayPal an unauthorized purchase made on your
PayPal

account or your credit card.

29.You moved into a house or new apartment that was occupied by

somebody with a limited PayPal account.

30.You logged into your PayPal account from a location that was not
your

usual log in location (example: friend's house or place of

employment).

31.PayPal has linked your account with another person who has a
limited

account and/or outstanding issues to resolve with PayPal.

32.PayPal froze your account because they linked you as being

"associated" with a family member of yours that has an outstanding

PayPal problem to deal with.

33.After conducting a credit check on you, your credit score was too
high,

too low or you had too many open lines of credit or debt.

34.A third party contacts PayPal saying -- without evidence -- that you
are

engaging in fraudulent activity.

35.PayPal suspects you are engaging in fraudulent activity.

36.PayPal believes that your business practices are risky and pose a

potential harm to yourself, to PayPal and to other PayPal members.

37.The phone number you registered with PayPal happens to be the

same

phone number of somebody who has/had PayPal problems.

38.You new provider has some IP number was associated with

somebody

who has/had PayPal problems.

39.You conducted a transaction with an individual who has PayPal

problems

(such as a buyer or a seller). PayPal will "link" you with that person.

40.You sold something and the buyer was a con artist or scammer.
You get

"linked" to that person.

41.You violated PayPal's user agreement by posting anti-PayPal

writings or

thoughts in a public place (example: internet)

42.Your name, your address, your phone number, or your ISP is

SIMILIAR

to a person who has/had PayPal problems.

43.You were associated with a person who has a frozen PayPal

account.
44.You refused PayPal's request for very private information about
yourself.

45.PayPal requested information from you which you supplied -- but

you did

not supply it fast enough.

46.You logged into your PayPal account from a public internet cafe.

47.You sold an item on eBay that is popular for scammers to sell (high

priced items or popular items like Rolex watches, Play Stations,

Computers, etc.)

48.You sold an online e-book to a buyer who later filed a complaint

against

you – PayPal asked you for a tracking number and you could not
provide

it.

49.You went to PayPal's website and logged in using a proxy service or

other anonymous software that you use to protect yourself on the

internet.

50.While registering, you typed your name wrong into your personal
profile

(example: Smith, John when it should be John Smith)

51.You bought or sold something that was on PayPal's Restricted

Items List
(academic software, concert tickets, OEM software, surveillance

equipment or adult material, etc.)

52.You sent money to a country that is on PayPal's unauthorized list.

53.You received money from a country that is on PayPal's

unauthorized list.

54.The bank account you verified with PayPal was a new account.

55.You have a high credit card balance that triggered PayPal's fraud

detection system – a high card balance means a higher risk that you
will

engage in fraud.

56.PayPal conducted a third party investigation of you. Based on

those

findings, they limited your account (you have been sued, arrested,

charged with a crime, have too many debts etc.).

57.PayPal tried to withdraw money from your bank account or credit

card

and was declined.

58.You PayPal account shares similar details with an account that has

already been frozen.

59.You PayPal account is in the negative.

60.Your PayPal account might become in the negative.

61.A chargeback was filed against you.

62.You attempted to modify or change your personal details but were

not

able to.

63.You removed your bank account or credit card information from

your

PayPal account.

64.PayPal believes you are not who you say you are.

65.You withdrew or transferred $2,500 or more from your PayPal

account

within 24 hours or over a weekend.

66.You did something strange (example: transferred money to a

roommate

with a PayPal account or a family member).

67.Your overall withdrawal and deposit activity is "suspicious."

68.Your name on your social security number does not match

EXACTLY

what is on your PayPal account (example: Social Security

Card/Number

is Robert Smith but your PayPal account name is Bob Smith).

69.The name on your bank account or credit card does not MATCH
exactly
with the name on your PayPal account (example: William Smith vs.
Will

Smith or Bob Smith).

70.There are an additional 100 plus fraud ques unknown to the

general

public that will trigger an unpleasant experience with PayPal.

Believe it or not, these are all reasons as to why PayPal can and will
limit your

account. With a limited or frozen PayPal account, you have NO access

to your

own money. There are many, many more reasons as to why PayPal
will limit

your account and deny you access to your money. Any number of
things

unknown to you or I can trigger such an event.

The reason why this is so disturbing is this: once your account is

limited, you

have a less than 10% chance of getting your account unlimited. That
means

less than a 10% chance of getting your account restored to its

previous state --

because you made a mistake that you did not know was a mistake or
PayPal
accused you of something without having or offering any evidence as
to your

guilt.

The simple whim of PayPal can destroy your business and your online

reputation. The simple whim of PayPal can freeze access to funds that
you

need to support your family, pay bills, take that dream vacation or
replace the

busted tires on your car.

Most disturbing of all: PayPal does not need a reason to freeze your
funds and

limit your account. Remember, PayPal says in its User Agreement

(that you

agreed to) that it can limit and freeze your funds for "any reason."

Maybe PayPal needs a large infusion of cash for whatever reason -- or

a short

term loan on your money. PayPal can freeze accounts on a mass level
for no

reason at all. Why? Because PayPal CAN.

RESTORING LIMITED ACCOUNTS

In the event that PayPal limits your account as a result of suspected
fraud or

other problem, you can restore it to its original, unrestricted state.

If PayPal determines that you have been engaging in fraudulent or

high-risk

activity (such as selling fake merchandise or using stolen credit cards)

or that

you have not been abiding by the terms of the user agreement (e.g.,
you've

been using PayPal to sell pornographic material or weapons) PayPal

will

impose limits on your account.

Your account might also be limited if you initiate a bank transfer that
then fails

due to insufficient funds or if you accept a payment that is later

disputed by its

sender.

PayPal often limits the account's access to certain features, such as

sending,

withdrawing, oreven receiving money. This helps protect any other

PayPal

users with whom you've been dealing and helps reduce subsequent
losses that
PayPal would otherwise have to incur.

You know that PayPal has limited your account when your Account
Overview

page has a pink box that says Account Access Limited. As you might
expect,

click the "Click here for details" link for an explanation.

PayPal prides itself on being good at spotting high-risk behavior, but

they also

recognize that not all high-risk transactions are necessarily fraudulent

or bad

and not all disputes are the seller's fault. Thus, PayPal has an appeals
process

for those who have had their accounts limited.

Filing an Appeal

Needless to say, the best thing you can do if your account has been
limited is to

precisely follow the instructions on the web site and in the

notification email you

receive.

Often, this entails completing a sequence of steps to provide PayPal

with

evidence of ownership of the PayPal account, ownership of the

financials
attached to the account, and verification of your own identity and
address.

Only after you have completed all the required steps will a PayPal
Account

Review Representative review your account. For instance, if PayPal

asks you to

fax several documents, your account will not be reviewed until you
submit all

requested documents and have completed all the remaining steps.

In addition, make sure to double-check the email you received

notifying you of

your account's limited access, because the PayPal Account Review

Representative might have added extra steps for you to complete that
are not

listed on the web site.

For instance, if you are a seller on eBay, PayPal will likely request
tracking

information for items you've delivered and proof of inventory for

additional items

you're currently selling.

If you lose the email, you might not necessarily be able to find all the
steps to
complete on the PayPal web site; in this case, your best bet is to call
PayPal.

However, if you no longer have access to your email account, you

might have

bigger problems to deal with than just your limited account.

A Last Resort

If you're really in a bind and cannot complete the steps requested of

you for

legitimate reasons, you can always escalate your issue by writing a

letter to a

PayPal executive, contacting the Better Business Bureau, or working

with a

legal representative.

Escalation in itself is not a guarantee that your issue will be resolved,

but if your

issue is legitimate, it is likely that a new pair of eyes, perhaps with

more experience and background, will look at your issue and help
reach a fair

resolution.

Avoiding Suspicion

To prevent your account from being limited in the first place, keep
your account

in order by following these guidelines:

1. Treat your PayPal account as you would your bank account: use
secret

passwords and keep them to yourself!

2. Make sure your true name is on your PayPal account and that it
matches

the name on your bank and credit card accounts. If you are a business,

make sure the bank account and credit card on your account are also
in

your business name.

3. Use accurate addresses and phone numbers that match those on

your

credit card and bank account, and keep them current. False contact

information can raise suspicion on your account and make it more

difficult to regain access.

4. Delete old or obsolete bank accounts and credit cards from your
account.

If you do not keep your account up-to-date, you might find yourself in
a

bind when your account is limited and PayPal asks you to prove

ownership of a bank account with an old address.

5. If you are a seller, always use electronically trackable shipping

methods
so that if the shipment or receipt of a physical good is in doubt, you
can

easily prove your case. Also make sure to keep proof of inventory or

merchandise, such as receipts, invoices, or proof of authenticity for

older,

collectible items. Maintain good relationships with your suppliers so

that

you can easily access this information when you need it.

6. If you have any old or abandoned PayPal accounts, make sure to

resolve

your issues with those accounts and then close them. If your account
has

been limited and PayPal sees linked accounts with issues, such as a

negative balance or outstanding buyer complaints, PayPal will

probably

ask you to resolve those issues as well before they'll be willing to lift
the

limitation on your active account.

Nuke PayPal With Complaints

If PayPal freezes your account for no reason and denies you access to
your

money for 6 months or more, or even though you were the victim of
fraud and
PayPal sided with the scammer, your options for getting your money
back

and/or being compensated for your loss boils down to three options:

You can try to work it out with PayPal, you can take PayPal to court
(small

claims or a higher court) or you can file complaints that will pressure
PayPal to

see things your way.

If you are here, that means you are considering filing a complaint
against

PayPal. If you are considering this, be sure that you have exhausted all
of your

options in terms of negotiating with PayPal first. That means, if you

are having

PayPal problems, do not file a complaint against PayPal until you have

contacted PayPal and tried to resolve the issue with them. This is
important for

a couple of reasons.

First, if you file a complaint against PayPal without dealing with them
first (even

though WE know that does little to no good), you will be informed by

the
persons or agencies that you are making complaints to to contact
PayPal first

and try to resolve the issue with them first. Your complaint will then
go nowhere.

Second, it is important to contact PayPal first because you can gather

all of the

evidence that you need to do PayPal real damage when you file your
complaint.

Without some kind of evidence showing that you attempted to work

the problem

out with PayPal, your complaint will either be dismissed or rendered

completely

useless.

When contacting PayPal with your problem, first attempt to

communicate with

them via email. After you have sent them an email, immediately go to
the

telephone and call PayPal. Do not tell PayPal that you have sent them
an email

on this issue.

Write down what time you called, what you said, and what the PayPal

representative said. If you can get that person's first name, write that
down as
well.

After you get off the phone with PayPal, evaluate if what transpired
helps you or

solves nothing. Wait an hour or more and call PayPal again. With any
luck you

will have a different customer service representative. Go through

your whole

problem again WITHOUT MENTIONING that you called before about

the same

problem.

Based on that information, go through the motions of trying to

comply with what

PayPal wants of you. Now, check your email and see if PayPal has
replied. If

PayPal has replied, write down how long it took them to reply. Copy
the email

and keep it together with your original email that you sent them.

After looking at what you have thus far, I bet that what the people at
PayPal told

you is different than what your email is saying. I bet that what PayPal
told you

over the telephone is different than what somebody else at PayPal

told you over
the phone!

You are now building evidence against PayPal to use in your

complaints.

Based on the information that you have thus far, this is how it all
pieces

together. Here is an incomplete complaint letter showing how this fits

together: I

have been a PayPal account holder for 1 year. I recently sold a

computer via

eBay. I received payment for my computer via the PayPal service.

After I

received the money into my PayPal account I shipped the computer to

my

buyer. When I logged into my PayPal account PayPal told me was

account was

frozen and I could not have access to my money! PayPal accused me

of

"suspicious activity." That is ridiculous! Paypal asked me to fax them a

copy of

my ID, credit card statement and utility bill showing my address. I did
this and

PayPal still won't let me have my money!

(Here comes the info you just collected)

I contacted PayPal via email -- it took them three days to reply. When
I did get

the reply it had NOTHING to do with what I had written. They are
jerking me

around. A copy of my email and PayPal's reply is attached. I called

PayPal

TWICE -- On January 16 at 3PM and January 17 at 630PM. The first

time the

customer rep (John -- he would not give me his last name or an

employee

number or anything) told me XXXXXXXXXX.

That did not help me in the least. I then called PayPal again and this
customer

service representative (Janice) told me something completely

different! She told

me XXXXXXXXX.

PayPal will not even provide me with evidence showing me what this

"suspicious activity was."

But I had to supply PayPal with plenty of very private information! In

the end the

refuse to give me my money back!

Obviously there will be much more to your complaint -- and your

complaint will
be customized towards who you are complaining to (example: your
complaint

would differ based on if you were writing to a federal law

enforcement center

verses complaining to a state agency concerned with money transfer

issues).

Next, you have to decide WHY you are complaining and WHAT YOU
WANT. It

does not help to complain unless you describe what you want. In our
above

example you are showing that PayPal is unfair and conducting

questionable

and illegal business practices to hold your money (for its benefit).

You are also describing in your complaint what you want: you want
PayPal to

return your money NOW. Not in 6 months, not next week and not
tomorrow.

You want your money now. By saying what you want, it will make it
easier for

the persons or agencies you are complaining to contact PayPal and

pressure

them to return your money.

If, in this example, you did not say what you wanted, the persons or
agencies

that you complained to might only contact PayPal about their

questionable

business practices -- and not the fact that you want your money back.

So decide WHY you are complaining and decide WHAT YOU WANT.

Once you have contacted PayPal and gone through the motions of
contacting

PayPal to resolve the issue, and once you have gathered all of your

documentation and evidence, you are ready to take on PayPal. If you

want to

avoid court or having to file lawsuits to solve your PayPal problem,

you have to

get other people to fight your cause for you -- for free.

That is where "federal resources" come in. There are government

agencies --

and national complaints organizations -- who will take your complaint

and then

take it to PayPal.

These government agencies and organizations carry far more weight,

power

and influence than any letter thatyou could write to PayPal yourself.
Often
times, PayPal will cave in to your demands and solve your problem
just from

having these agencies and organizations contact them and threaten

them with

further action should they continue with their behavior.

That is the factor that you must count on: The pressure from these

organizations and the pressure that PayPal will feel from receiving
other

complaints from thousands of others. It will be cheaper and less risky

to solve

your problem than to have PayPal challenged by a federal

government agency

or court. To begin the process of getting your money back you can file
your

complaint with the following federal organizations:

United States Senators

Every state has two United States Senators. These two people are
elected on a

state wide basis and represent your entire state in Washington D.C..
Your

United States Senators have enormous power and enormous

influence.
A simple letter or phone call from a U.S. Senator's office can move
mountains

or force dogs and cats to sleep together.

Why will they help you? Every United States Senator has an office that
deals

with constituent complaints involving a number of issues -- every

problem

imaginable are handled by your United States Senators' office.

Second, they want to get re-elected. Unlike PayPal, your government

representatives serve at the pleasure of the voters. They figure if they

can help

you, you will be grateful and vote for them in the next election. Fair
trade.

Contact your TWO United States's Senators with your PayPal problem.

Don't forget to include why you think PayPal was unjust to you and
mention the

fact that PayPal has a history of screwing its customers. You may
submit your

complaint via email or you may write them a letter.

http://www.senate.gov (When you get there, look in the upper right

corner of

the page to find your U.S. Senator)

United States Congressman/Woman

Unlike Senators, where every state has two, your state has anywhere
from one

to over 50 United States Congressman/woman. These people are

elected in

districts.

In your congressional district, you have ONE United States

Congressman/woman. Like U.S. Senators,these people have a huge

amount of

power and influence. Like Senators, members of Congress deal with a

huge

amount of voter problems -- you name the topic, and they can and
will help you.

One phone call or letter from them can solver your PayPal problem.
You can

contact your member of Congress via email or write them a letter.

https://writerep.house.gov/writerep/welcome.shtml

The United States Department of Justice

The Department of Justice is the federal government's chief law

enforcement

agency and prosecutorial office. You can file a complaint with them
via email or
write them a letter.

http://www.justice.gov

The Federal Trade Commission (FTC)

The FTC deals with issues that touch the economic life of every
American. It is

the only federal agency with both consumer protection and

competition

jurisdiction in broad sectors of the economy.

The FTC pursues vigorous and effective law enforcement; advances

consumers’ interests... In short, these are the guys that PayPal is

really afraid

of. You can file your complaint with them online.

https://www.ftccomplaintassistant.gov

The Securities and Exchange Commission (SEC)

Why in the world would anybody complaint to these guys? Don't they
have

something to do with the stock market or something? You are correct,

they

regulate all companies that are trading stock publicly.

They also are very concerned with companies who engage in

fraudulent activity
which might manipulate their stock price and give investors a false
picture of the

truth of a company's heath.

Your approach is this: PayPal freezes customer accounts so they can

artificially

inflate the amount of cash reserves that they have (remember, your
money is

held in pooled bank accounts under PayPal's name).

This is an issue the SEC would be very interested in. Who knows,
maybe

PayPal is involved in some kind of fishy accounting practices

(remember

Enron?). You can file a complaint with the SEC online.

http://www.sec.gov/complaint/select.shtml

The Internet Crime Complaint Center (IC3)

Report PayPal to this feared and effective government task force.

Your aim

here is to highlight the criminal and fraudulent nature of PayPal's

activities.

You must be able to detail how PayPal wronged you and stole your
money.

http://www.ic3.gov/complaint/default.aspx
Council of the Better Business Bureau

The Better Business Bureau is another group that PayPal has to

answer to --

first because it has enormous influence and second, PayPal is a

member.

http://www.bbb.org

National Consumer Law Center

"The National Consumer Law Center (NCLC) is the nation’s consumer

law

expert, helping consumers, their advocates, and public policy makers

use

powerful and complex consumer laws on behalf of low-income and

vulnerable

Americans seeking economic justice.

Today’s consumer marketplace is complex and full of potholes, even

for those

of us with all the necessary skills and advantages. For unsuspecting

low-income

consumers it’s far more treacherous - even the smallest misstep can
lead to

financial ruin and a sense of hopelessness that paralyzes individual

progress."
If you would like to contact the National Consumer Law Center to help
with your

PayPal problem, you can do so online.

http://www.nclc.org

The National White Collar Crime Center (NW3C)

They will help you with filing a complaint against PayPal showing you
how to do

it and lots of other places that you can go to.

White collar crime is a term coined for something that PayPal does: it
is fraud

and outright theft committed by those wearing a white shirt and tie
to work

everyday.

http://www.nw3c.org/overview/what_we_do.cfm

Suing PayPal in Small Claims Court

So you have decided to sue PayPal. You've got all your papers filled
out and

you are ready to go to the post office.

There's just ONE problem: You have no idea where to send your legal
papers.

All states require proper service of your legal papers. Proper service
includes
sending your papers to the right place.

If you send your legal papers to the wrong address, PayPal can force
dismissal

of your lawsuit based on the grounds that you "improperly served"

them.

Remember, it's PayPal's goal to stay out of courtrooms -- they know

they

cannot win if they must argue the merits of their case.

However, one of the ways they will try to beat you is on a technicality.
Don't let

them beat you because you got the address wrong. From the first
sentence to

the last, we uncovered all the details for you! Since PayPal became a
major

player in the online payments market, PayPal's user agreement has

been

modified hundreds of times -- and unless ordered by a court or a

regulatory

body -- the terms are NEVER in our favor.

RETURNING AFTER SUSPENSION

First, you must understand that Paypal records much of your data for
later use.
Not only do they record data you filled out in their seller application
form (name,

address, phone number, SSN, credit card, paypal email), they also
logged your

IP address and others.

You may not even know about these items yourself, but yes Paypal
logs the

things you don't know. They have the right to do so because you have
agreed it

once you agreed their terms of service as an eBay member.

1. Change your internet service provider, or VPN, request a new fixed

IP

address. If you are connected with dynamic IP you can skip this step.

Ask your ISP if you don't know if you are connecting with fixed or

dynamic IP. To view your IP address visit http://dawhois.com

2. Call your credit card company and ask for a different card number.
It will

be even less suspicious to eBay if you will use a card with different
card

holder name. (Think about adding a family member or friend as a user

on

the bank account. Get them their own check card. Use theirs.)
3. Get a new mailing address. (you can find companies that do this for
a

small fee, search online)

4. Get a new phone number (cell phone number is acceptable). (check

google voice, which is free)

5. Give credit card company your new mailing address for your
monthly

statement.

6. Re-register using your new name, the new address and phone
number

but ALWAYS a different email address. Do NOT use email from your

private domain. Use those free emails from Google, Yahoo, MSN, or

whatever.

7. Open a new Paypal account with new banking account/credit

card/email/mailing address connected.

8. Consider using a virtual private network or proxy every time you

connect

to PayPal.

Understanding how PayPal detects and frozen multiple accounts

Paypal is able to link your accounts based on Your IP Address, Web

browser as
well as Flash cookies, and Private Account Information.

PayPal stores temporary Internet files on your computer every time

you login to

your account. That is why it is important to clear your cookies and a

temporary

Internet file is a must prior to accessing your account.

Additionally, the information that you provide when setting up your

account such

as personal information, bank account number, phone number, etc,

will flag

your account.

Deleting Your Browser and Flash Cookies

We recommend that you delete your browser cookies and flash

objects before

proceeding from here. If you’re not sure how to delete your cookies
or flash

objects, please type “deleting browser cookies” and “flash-cookies” in

any

search engine.

What exactly are Flash Cookies?

- A data file created by a Web site you visit or a Flash application you
run that is
stored in your computer. Officially called a "local shared object" (LSO),
it

functions like a regular browser cookie (see cookie) to personalize the

user's

experience, except that a Flash cookie can hold up to 100KB instead of

4KB.

Clearing cookies in the Web browser does not clear Flash cookies.

Flash cookies are managed and cleared via Flash Player Settings
activated

from the browser at Adobe's support site

(www.adobe.com/support/flashplayer).

How To Change, Renew, and Release Your IP Addresses

To see your own IP Address, please visit http://dawhois.com

What exactly is an IP Address?

(Internet Protocol address) The address of a device attached to an IP

network

(TCP/IP network). Every client, server and network device is assigned

an IP

address, and every IP packet traversing an IP network contains a

source IP

address and a destination IP address.

Remember, Paypal always saves your IP address each time you login
to your
account so make sure you don’t accidentally login with a suspended IP
address.

We recommend contacting your Internet provider to make certain

you own a

dynamic IP address or changing your IP address. For those of you that

have a

cable modem, and are directly connected without the use of a

network or router

you must release your IP address.

Also, keep a log of your IP Address and always verify your IP address
at

http://dawhois.com before you sign in to your EBay/PayPal Accounts.

PROTECTION AGAINST FRAUDS

Use PayPal's Seller Protection Policy to ensure that you don't lose
money to

fraudulent payments. Whether you use PayPal as a buyer or a seller,

you need

to be on the lookout for fraud. If you don't take the proper steps to
protect

yourself, PayPal might need to retract a payment from your account,

even after

you've filled the customer's order.

For instance, a credit card holder can dispute any credit card payment,
even

after you've received the payment and delivered the goods or service
the

customer agreed to buy. This is the customer's right and it can be an

effective

means of buyer protection, but dishonest buyers can also abuse this
service to

intimidate or cheat honest sellers.

Furthermore, a person using a PayPal account to pay you might have

hijacked

the account from its rightful owner, or someone might have funded a
PayPal

payment with a stolen credit card.

Either way, the rightful owner will, understandably, dispute any such
charges

once she has discovered them. PayPal's Seller Protection Policy can
mitigate

the risk, often to the point of allowing you to keep disputed funds,
but the best

way to avoid fraud is to spot it going in. Look below some ways to
minimize your

risk as a seller.
Qualifying for Seller Protection

If you are a U.S. or Canadian seller dealing with U.S. buyers or a UK

seller

transacting with UK or U.S. buyers, you might qualify for PayPal's

Seller

Protection Policy, which covers up to $5,000 per year of reversals. To

qualify,

you must do all of the following:

• Ship a tangible product.

• Ship only to a confirmed shipping address.

• Ship promptly and use some form of package tracking.

• Respond quickly to any complaints, either from the customer or

from PayPal.

• Meet additional requirements discussed at

https://www.paypal.com/sellerprotection

and http://www.paypal.com/cgi-
bin/webscr?cmd=p/gen/ua/policy_spp-outside

If you follow these guidelines diligently, you might be able to avoid

losses to

buyer fraud completely. Possibly the best indicator of a buyer's

reputability is his

accounts Status.
Holders of verified accounts have shown PayPal that they are in fact
in control

of the email addresses on file with PayPal and have legitimate bank
accounts.

PayPal trusts these members more than unverified account holders,

so it makes

sense for you to trust them as well.

Your prospective buyer's account creation date tells you how long the
buyer has

been a PayPal member. Buyers using relatively new PayPal accounts

or

accounts with low reputation numbers have a short track record as

PayPal

members, but this doesn't mean they can't be trusted.

However, you might want to avoid doing business with buyers until
they become

better established. A long-standing account is less likely to have been

set up

with the commission of fraud in mind. On the other hand, accounts of

any age

can, and sometimes are, hijacked by phishers and crackers.

Conducting a Little Reconnaissance

Here are some tips to help you decide whether to do business with
any

particular person:

1. If you're at all suspicious, take it one step further and look for any
recent

purchasing activity that appears out of the ordinary (such as

numerous

high-value items). At the eBay site, go to SearchBy Bidder, type the

customer's user ID, indicate that you want to include completed

items,

and click Search.

2. Consider the buyer's reputation. In addition to the user status

information

provided by PayPal, do you have other sources you can use to gather

information? If you're conducting business via eBay or another

auction

site, check your buyer's feedback rating or community reputation.

3. Also, look for a history of fraud or payment disputes in the recent

comments from other sellers.

4. Contact the buyer. For any item, especially one that is expensive
and

easily resold, it makes sense to contact the buyer directly. Email to

confirm purchase details or on the premise of confirming that the
product

will really suit the buyer's needs. Be particularly wary if the buyer
takes

little interest in your questions. Some social engineering and a nose

for

fraud can save major headaches.

5. Use common sense. If you sell only Beanie Babies, ball bearings,
and

body oil on your eCommerce web site and a single buyer suddenly

orders ten boxes, bushels, and bottles of each, ask a few questions

before shipping.

6. In the end, you will probably choose to do business with most of

the

customers you encounter. But a little common sense and awareness

can

7. protect you from most types of fraud.

Protecting Yourself From Chargebacks

Reduce or eliminate the risk of having disputed payments reversed

from your

PayPal account.
A chargeback is the result of a credit card charge being rejected by the
credit

card holder, typically in cases where the credit card was stolen and
used

fraudulently.

But such charges can also be disputed by customers who feel that
they've been

defrauded by sellers. If you accept credit cards, in person or through

PayPal,

you might encounter a chargeback from a buyer, just as a seller

accepting

personal checks might receive an occasional bad check.

Chargebacks are an unfortunate but realistic cost of doing business, so

most

sellers factor this cost into their business plans.

When a customer initiates a chargeback with his or her credit card

company,

PayPal may deduct the amount of the transaction from your account
if you're

not covered under PayPal's Seller Protection Policy.

All sellers who accept credit card payments run this risk and might be
liable for
chargebacks. Even if you have a low-volume online business, you
cannot avoid

the risk of chargebacks.

According to a study by the Gartner Group, approximately 1.1% of

online

transactions are estimated to result in fraudulent buyer chargebacks.

That's like

paying an extra 1.1% fee for each and every transaction!

Of course, chargeback risk varies a good deal depending on the type

of goods

you sell, but nearly everyone who accepts credit card payments faces
some

chargeback risk.

Of course, none of this applies to non-credit card transactions, such as

payments funded by a bank account transfer or PayPal balance.

Protecting Yourself

Whereas most merchant account providers and payment companies

simply

pass all of the chargeback risks and associated fees and liabilities on
to sellers,

PayPal is different.
As long as you follow PayPal's guidelines (the Seller Protection Policy
outlines

these guidelines), PayPal helps protect you against fraudulent

chargebacks.

Be sure to familiarize yourself with this policy; click the User

Agreement link on

the bottom of any page on the PayPal web site, and then click Seller
Protection

Policy.

PayPal is able to guarantee protection against reversal of funds only if

a

chargeback occurs for nonreceipt of the product or in the event of an

unauthorized charge (resulting from a stolen credit card or account

takeover).

Even then, you're entitled to this protection only if you have followed
the terms

of the Seller Protection Policy. Here are some best practices you
should follow

to prevent chargebacks from occurring:

• Make sure the item you're selling is described (on your site or in
your eBay

listing) in as much detail and as accurately as possible. You should not

assume
that simply providing a picture in your listing will sufficiently answer
any quality

questions that your customers might have. Avoid merely stating that
the

merchandise is being sold "as-is." This won't protect you as much as

you might

expect. A detailed item description will help your defense in the event
that a

buyer claims that your item was not as described.

• Get to know your customers. Although selling in an online

environment doesn't

make it easy to build a face-to-face rapport, it doesn't have to keep

you from

learning about your customers. While the volume of your business

might

prevent you from contacting all your buyers, you should make every
effort to

respond to any customer inquiries regarding the transaction or the

purchased

items, both before and after the transaction. Plus, this practice will
help get you

more repeat customers.

• Keep any and all records and correspondence with your customers.
This

allows you to provide further evidence that you adequately described

the item to

the customer or responded to the customer's inquiries.

PAYPAL ALTERNATIVES

While there are a lot of great services out there that would fit very
well with

eBay, eBay bans those services for your use.

Therefore, if you want to use eBay WITHOUT using PayPal, you are
limited in

which services you can use to make and receive payments.

PayPal Alternatives: For use on eBay

Merchantinc.com -- Recommended for US Sellers Only

Merchantinc.com Provides eBay Compatible credit card processing

services for

US residents only.

The company has been in business for over 10 years and is a well-
known

provider of online payment processing solutions. After researching

over 40 U.S.
merchant account providers, we have Merchantinc.com because of
their no

setup/no cancellation fees approach.

Their monthly fees for website processing, along with eBay

processing, is only

$7.95, a far better value than most companies we researched.

Additionally, their

transaction fees are LOWER than PayPal. Included with their services
is an

eBay compatible shopping cart system, Secure Payment Gateway and

Merchant Account.

The application process takes about 5 minutes, is completely online,

and most

people are ready to begin accepting credit cards the same day.

I have stressed before, the benefits of using a traditional merchant

account over

PayPal, for many reasons, among them, your funds are deposited
directly into

your bank account, NOT a PAYPAL ACCOUNT!

This gives you far more control of your money and your business.
Plus, with a

merchant account, your funds are protected by federal banking

regulations
"Since your merchant account is provided by a real US bank".

Unfortunately, PayPal is not considered a bank in the United States,

and

therefore it does not have to adhere to federal banking guidelines.

PROS: Reliable, Secure Payment processing solution. Accepted on

Ebay. No

setup fees. No cancellation fees. Very low rates. Easy to setup. Perfect
for use

on websites as well.

CONS: Only currently available for U.S. Merchants and Ebay sellers.

OVERALL: Highly recommended as an alternative to PayPal and as an

alternative to receiving online payments. This is one of my personal

favorites.

Sign up and take it for a test drive – you won't be sorry!

http://www.merchantinc.com

Allpay.net -- Recommended for U.K. Only

This payment service is approved for use on all eBay sites around the
world

including the United States and Europe.

This company is based in the United Kingdom. It has a rock solid

reputation
(even collecting payments for various local and state governments)
and a

customer service that is fast, efficient and caring. This should be a top
PayPal

alternative to residents and citizens of the United Kingdom for use on

eBay and

for general use as well.

While it is approved for us on eBay, the service is USELESS for

residents of

the United States and Canada. The service can be used in western
Europe

(Example: The Netherlands, Belgium, France, Germany)

THE SERVICE: Allpay.net is an umbrella company providing many e-

commerce

solutions. Users must sign up for services INDIVIDUALLY.

The services offered include Swipe card payments, direct debit,

internet

payments, mobile phone payments, general bill payments and their

onlinepayment service Go&Pay. Go&Pay is what you would sign up

for when you want to accept payments on eBay, make a payment on
eBay or a general

online payment that is noneBay related.

PROS: Backed by a respected and well managed company, merchants
can

accept cash or debit card payments online, gives merchant's

customers more

online payment options, works seamlessly with other payment

options offered

by the company, gives consumers the option of paying for online

purchases

with cash or debit cards, consumers can make online credit card
payments,

buyers and sellers are protected from fraud, and is easy to use.
Reasonable

fees are a major plus.

CONS: Trying to figure out HOW to sign up can be confusing -- you

really have

to search. This system was not designed for use in major markets like
the

United States. They do not offer a FAQ on how to use their service.
You have to

learn or contact their customer service.

OVERALL: Excellent e-commerce solution for those who want to buy

and sell
on eBay, make general online payments and be able to accept online
payments

for their business -- if you are resident of the United Kingdom. NOT

recommended for users of the United States, Canada, Australia, etc.

http://www.allpay.net

CertaPay -- Recommended for CANADA Only

This service is approved by eBay -- however, it would seem that only

eBay

Canada would be the place where this payment service could be used.

All other markets are not available because this service is only for
persons with

Canadian bank accounts. This service is used to send money to an

email

account using money from your bank account.

CertaPay is owned by Acxsys Corporation. They are a financially solid

and

reputable company.

THE SERVICE: A person can send money straight from their bank
account to a

person with an email account. To be able to send money, the user

must have a
Canadian bank account. To be able to receive money, the user must
have an

email address AND a Canadian bank account.

The service can used to send money to friends and family, pay fees for

services, make internet auction payments, make online payments to

those who

accept the service, and so on.

PROS: Can send money person-to-person, accept auction payments,

make

online purchases including those at auctions, offer it as a web

payment solution

for your online business and be protected by the best seller

protection policy I

have ever seen: once you get your money, there is no way for
CertaPay to take

it back -- the only way to get the money back is for the seller to give it
back. In

the demo copy this site was able to use (thanks to corporate relations
at

CertaPay), the user interface was easy to use and the whole thing was
up and

running in 15 minutes. Customer service is friendly and responsive.

Finding
their telephone number and email address for customer support was
a breeze.

Emails are answered usually within one business day. Customer

friendly user

agreement with no frozen or limited account clauses. Plus it is free to

receive

money with this service. A business person would not have to worry
about fees

eating away at profits.

CONS: This great service is ONLY AVAILABLE in Canada. It is not clear

how

much it costs to send money. Each bank that allows account holders
to use this

service charges different fees – that is a con for people wanted to

send money.

The service does not allow Canadians to send or receive money to an

international audience -- not even Canada's neighbor, the United

States. Buyers

who use this service must beware as they will have no protection
once they

send money to a seller. Once the money is sent, there is no way to get
the

money back unless the seller agrees to a refund.

OVERALL: Recommended for ALL Canadian residents. While this
service

offers a limited audience, a seller could make a good living with this or
her online business catering only to other Canadians. A buyer could
benefit from

this service by using it to pay for auctions and other online businesses
located

in Canada. As a bonus, this service can be used to send money person-

toperson. That makes sending money to friends and family really
easy. It makes it

easy to send money to anybody the user wants to do business with

(again, as

long as they have a Canadian bank account).

http://www.interac.ca

Nochex -- Recommended for U.K. Residents and Certain Others

This is another service offered by a company based in the United

Kingdom.

This company leans towards being a merchant account, but also offers
personal

and seller accounts.

Overall, they offer a way to be able to send payments as well as

receive

payments. THE SERVICE: This service offers its customers a merchant

account, a sellers account or a personal account.

The merchant account allows sellers to accept payments from the

United

Kingdom and around the world (credit cards, debit cards, etc). The
sellers

account allows you to receive payments only from within the U.K..

The personal account is for sending and receiving money between

persons

(including auction transactions). However, the personal account

comes with

certain limits (such as you cannot receive more than 90 British Pounds
per day

or send more than 300 British Pounds per day).

Residents of the United States, Canada, Australia, and Western

Europe can

sign up for the merchant account. You MUST BE a resident of the

United

Kingdom to get the sellers account. The personal account -- to send

money to

make purchases -- is available beyond the borders of the United

Kingdom.

PROS: Offers different accounts to meet different needs. Merchant

and
personal accounts are available to users around the world. Merchant
account allows for receiving payments from around the world. Fees
are surprisingly low

and very competitive.

The user interface needs a little work, but overall you can find what
you are

looking for fast. Reports can be generated and business statistics

viewed.

Withdrawing your money is easy and hassle free. Easy integration into
your

website or eBay auction.

A bonus is each merchant account receives an assigned account

manager.

You'll speak with the same person every time should you have
questions or

concerns about your account. The personal account is also easy to use
with no

steep learning curve. Making online payments with the account is fast
and

trouble free.

Funding the account is also simple. Customer service is easy to find

through
email, online forums, and over the phone. The application process is
not

complicated and you get an answer back within 48 hours.

CONS: Some U.S. and Canadian users might be scared off because this
is a

British company. None of the services offers instant sign up -- you

must apply

for the account you are interested in. You can either be approved or
denied. Not

widely used outside of the United Kingdom.

More U.S. and Canadian users would have to sign up for this service to
make a

dent in eBay. However, buyers from all over the world will still be able
to click

your Nochex payment button and pay you.

OVERALL: If you are approved for the service, it is excellent. Persons

from the

United Kingdom should definitely be interested in this. Users from the

United

States and other countries would find the merchant account PERFECT
for their

needs. I like the merchant account I have, and would recommend it to

almost
anybody.

http://www.nochex.com