My business account has been restricted!

[FutureServices]

To the PayPal Community,

Greetings,

I hope this message finds everyone well. I am reaching out to the community today regarding an urgent issue with my PayPal account. Recently, my business account was restricted, and despite complying with all the verification requests from PayPal, including submitting my ID and business registration documents, I received a notification that my account can no longer use PayPal services.

The message I received states:

"At PayPal, we value a safer community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement, and therefore we can no longer offer you PayPal services.

Based on this decision, if applicable, you're no longer eligible for Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive.

Any bank account or credit card details attached to your PayPal account can't be removed nor can they be used to create a new account. You can still log in and see your account information but you can't send or receive money. Any money in your balance will be held for 180 days, after which we'll send you an email with instructions on how to transfer your money.

This restriction has significantly impacted my business operations. My business is officially registered, and I rely heavily on PayPal for daily transactions

I am seeking assistance from the community and PayPal representatives to understand the exact reason for this restriction and to explore possible solutions to regain full access to my account. Any guidance, advice, or support would be greatly appreciated.

Thank you for your time and understanding.

Sincerely,

[kernowlass]

@FutureServices 

PayPal does review accounts regularly, and any concerns with security, violations of the User Agreement or Acceptable Use Agreement, compliance obligations, etc., could lead to a permanent restriction.

Additional information beyond what would have been provided to you in a notification and/or email would not be available due also to security concerns ....in other words they do not give you an exact reason, they just direct you to the user agreement or acceptable use policy. I guess having a reason wouldn't make any difference if they have permanently banned you.

You can rarely appeal a permanent ban but if you want to try an appeal then contact customer services.

They 'may' pass it to the back office but the chances of the appeal being successful are slim. Paypal state that the decision is not made lightly and once made is usually final.

https://www.paypal.com/us/cshelp/article/how-do-i-contact-paypal-customer-service--help378

[FutureServices]

@kernowlass 

Well, I haven’t done anything wrong. I have a business account verified with a commercial registration, and I receive payments, which is a normal activity. However, I noticed that a customer filed a complaint about one of the payments.

I have evidence that the complaint is malicious, and I have already submitted this evidence to PayPal. I believe that having a business means you may face complaints from customers, which is normal. But can my entire account be suspended and my funds frozen over a single complaint from a customer exploiting PayPal’s policies?!

I have more than 50 customers who have paid me via PayPal, and there is only one complaint. Is it reasonable to suspend the account and freeze the entire account balance, in addition to the amount involved in the disputed transaction?

I have no problem freezing the amount of the disputed transaction until the end of the investigation, but not the entire account!

Anyway, I contacted PayPal support, and they informed me that the investigation is ongoing and will take up to 5 business days. We will see what happens then.

I might consider stopping using PayPal and just using Stripe to receive payments because this is really unsettling, and you could lose your money at any moment!

[kernowlass]

@FutureServices 

*ok*