What makes PayPal the company they are today?
STEALTHING PAYPAL ACCOUNTS
How to create a new account
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
Escrow sites method
Anonymous card method
- Open an EU paypal account from one of the countries below. You can use fakenamegenerator.com or whatever you
- Just make sure is is a merchant and not personal. There are 3 levels, go with the
- 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.
- 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
Credit card to IBAN method
Exchanges sites method
- 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
HOW PAYPAL LIMITS ACCOUNTS
- 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).
- You transferred too much money out of your account ($2,000 US is the rumored amount that triggers the fraud system).
- 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).
- PayPal has reason to believe you have more than the allowed two PayPal accounts (One Personal Account/One Premier Account).
- Somebody filed a complaint with PayPal about you (a buyer or a seller or an interested third party).
- You filed a complaint against somebody (a buyer or a seller).
- You initiated a chargeback with your credit card
- You initiated a chageback with your credit card company before you filed a claim through PayPal's Buyer or Seller Protection
- PayPal thinks you are trying to avoid paying PayPal fees by charging excessive shipping & handling charges for your
- PayPal thinks you are using your PayPal account to speculate in the currency
- 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).
- PayPal believes you are in violation of its User
- 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).
- PayPal believes you are in violation of their User
- You used your PayPal Debit Card to purchase material that PayPal finds objectionable (even if it's legal in the real world).
- You charged too much money on your PayPal Debit
- You went on vacation and used your debit card in another state or another
- You used your PayPal debit card to make an online transaction that was not through PayPal (or a telephone order).
- You refunded a buyer through your PayPal account -- but did not use the proper refund
- You lost a dispute
- You are late Paying your eBay fees -- or you owe eBay
- You received a negative feedback comment on your eBay
- You chose to use your PayPal account without verifying
- PayPal believes that your account information is not up-to-date -- even if they have no grounds to actually believe
- PayPal tried to contact you over the phone and you did not
- 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).
- You reported to PayPal an unauthorized purchase made on your PayPal account or your credit
- You moved into a house or new apartment that was occupied by somebody with a limited PayPal
- 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).
- PayPal has linked your account with another person who has a limited account and/or outstanding issues to resolve with
- 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
- 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
- A third party contacts PayPal saying -- without evidence -- that you are engaging in fraudulent
- PayPal suspects you are engaging in fraudulent
- PayPal believes that your business practices are risky and pose a potential harm to yourself, to PayPal and to other PayPal
- The phone number you registered with PayPal happens to be the same phone number of somebody who has/had PayPal
- You new provider has some IP number was associated with somebody who has/had PayPal
- You conducted a transaction with an individual who has PayPal problems (such as a buyer or a seller). PayPal will "link" you with that
- You sold something and the buyer was a con artist or scammer. You get "linked" to that
- You violated PayPal's user agreement by posting anti-PayPal writings or thoughts in a public place (example: internet)
- Your name, your address, your phone number, or your ISP is SIMILIAR to a person who has/had PayPal
- You were associated with a person who has a frozen PayPal
- You refused PayPal's request for very private information about
- PayPal requested information from you which you supplied -- but you did not supply it fast
- You logged into your PayPal account from a public internet
- 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, )
- 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.
- 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.
- While registering, you typed your name wrong into your personal profile (example: Smith, John when it should be John Smith)
- You bought or sold something that was on PayPal's Restricted Items List (academic software, concert tickets, OEM software, surveillance equipment or adult material, )
- You sent money to a country that is on PayPal's unauthorized
- You received money from a country that is on PayPal's unauthorized
- The bank account you verified with PayPal was a new
- 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
- 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 ).
- PayPal tried to withdraw money from your bank account or credit card and was
- You PayPal account shares similar details with an account that has already been
- You PayPal account is in the
- Your PayPal account might become in the
- A chargeback was filed against
- You attempted to modify or change your personal details but were not able
- You removed your bank account or credit card information from your PayPal
- PayPal believes you are not who you say you
- You withdrew or transferred $2,500 or more from your PayPal account within 24 hours or over a
- You did something strange (example: transferred money to a roommate with a PayPal account or a family member).
- Your overall withdrawal and deposit activity is "suspicious."
- 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).
- 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).
- There are an additional 100 plus fraud ques unknown to the general public that will trigger an unpleasant experience with
RESTORING LIMITED ACCOUNTS
Filing an Appeal
A Last Resort
- Treat your PayPal account as you would your bank account: use secret passwords and keep them to yourself!
- 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
- 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
- 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
- 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
- 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
Nuke PayPal With Complaints
United States Senators
United States Congressman/Woman
The United States Department of Justice
The Federal Trade Commission (FTC)
The Securities and Exchange Commission (SEC)
The Internet Crime Complaint Center (IC3)
Council of the Better Business Bureau
National Consumer Law Center
The National White Collar Crime Center (NW3C)
Suing PayPal in Small Claims Court
RETURNING AFTER SUSPENSION
- 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
- 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 )
- Get a new mailing address. (you can find companies that do this for a small fee, search online)
- Get a new phone number (cell phone number is acceptable). (check google voice, which is free)
- Give credit card company your new mailing address for your monthly statement.
- 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.
- Open a new Paypal account with new banking account/credit card/email/mailing address
- Consider using a virtual private network or proxy every time you connect to
Understanding how PayPal detects and frozen multiple accounts
Deleting Your Browser and Flash Cookies
What exactly are Flash Cookies?
How To Change, Renew, and Release Your IP Addresses
PROTECTION AGAINST FRAUDS
Qualifying for Seller Protection
Conducting a Little Reconnaissance
- 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
- 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
- Also, look for a history of fraud or payment disputes in the recent comments from other
- 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
- 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
- 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
- protect you from most types of
Protecting Yourself From Chargebacks
PAYPAL ALTERNATIVESWhile 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 eBayMerchantinc.com -- Recommended for US Sellers Only
Allpay.net -- Recommended for U.K. Only
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-to- person. 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).
Nochex -- Recommended for U.K. Residents and Certain Others