Comment · Sun, February 5, 2023 · ND Owner
Paypal missing?
Original post in this thread
Dry-Emotion-8363 · 2 points
what happen to paypal 😢
What they were answering
Dry-Emotion-8363 · 4 points
I love that you took time out of your day to respond to my post. I appreciate it a billion.
Sucked what happened then and now, can’t wait for it to come back and what it will mean for your business’ growth!
u/MisterYouAreSoDumb · ND Owner
It's a story as old as time with PayPal. In the early days of the company, we used PayPal for our primary processor. I didn't know then what I know now about that industry, so I was complacent. Well they freaked out at one of our products and froze our account with $50,000 in it. That was a lot of money for us at the time. We would have gone out of business had I not gotten them to budge, so I got on the phone with them and said that I wanted to comply with all their rules, but they had to tell me those rules for me to be able to do that. I talked them into unfreezing the account, and I was able to get our money out. We disabled PayPal on the site and shifted to other processors, but we kept PayPal for side payments if anyone forgot something on their order. It was just small payments here and there. We told customers not to say anything on the comment section of the payment, so we wouldn't have to worry about PayPal's ever changing and secret list of restrictions. However, one customer didn't listen, and put: "For X product." Well I guess that product was restricted, and PayPal went nuts. They banned every company associated with me, my personal account, my operations manager's personal account, and my finance director's personal account. They went scorched Earth. That was about 8 years ago.
We just assumed we would never do business with PayPal again. However, they reached out to us a couple months ago wanting to work with us again. I had a long frank conversation with the rep on the phone about what had happened in the past, and that I did not want it to happen again, so he got PayPal's policy team involved. They went through our whole site and noted the policy issues they had. There were none for US customers, but they had a few restrictions for a handful of products to Brazil, Japan, and the EU. They were dumb restrictions, like no turkey tail mushroom to the EU and no scales or capsule machines to Brazil and Japan. Their team assured us that there was nothing we needed to do, though. Their systems would see those items for those countries, then automatically restrict PayPal for that order. I double and triple checked with them to make sure they confirmed that. However, I just knew something would happen, so we enabled it but didn't really tell anyone. I wanted to have it work smoothly for a few weeks before we made a big deal about it. Sure enough, their team was wrong. Their policy team froze our account again, including a completely unrelated account we use to pay affiliates... They said we needed to restrict ordering of those things to those countries on our end, which is the complete opposite of what they said a few weeks prior. Well after some back and forth, what we are doing is just turning off PayPal for any non-US customers. That's the easiest solution to get the account re-enabled, and to prevent policy violations going forward, till we can hard code in the rules on our end. They are a hundred billion dollar company, yet we are the ones that need to figure their stupid systems out, and code our end! So dumb.