PayPal subscriptions / seller protection

[lime_tech_uk]

Hello.

I run an assistive technology software / hardware website. This is one of our many product pages:

https://limetech.uk/product/amy-adult-female-ivona-british-english-sapi-5-text-to-speech-voice/

GoCardless convinced me that their Direct Debit system offers seller protection (saying that PayPal subscriptions do not). Now, after a lot of work, GoCardless have said that there offer no protection to sellers, and advised me to have a contract written. 

• Reason for wanting subscriptions / split payments: Software created solely for the dyslexia / physical disability market is more extensive due to higher development costs for a relatively small market segment    
• Income: Some disabled people are not in paid employment, so are not able to pay (for example) GBP 1505 upfront for a five year Alinea Suite license plus a lifetime text-to-speech voice license, but could pay GBP 5.78 per week for 5 years  
• Problem: There is no way to force acceptance of a contract before a product is purchased using a GoCardless split payment. 

Obviously, only a few weekly payments being made by the customer before payment cancellation would be disastrous for us, and any small, growing business.

If anybody could tell me what protections PayPal does / does not offer to sellers, I would be very grateful 😊

Many thanks

Sarah  

[kernowlass]

@lime_tech_uk 

https://www.paypal.com/uk/legalhub/seller-protection

[lime_tech_uk]

Many thanks KernowLass

We too are in Kernow.

I followed your advice, and read:

"...You must accept a single payment from one PayPal account for the purchase (partial payment and/or payment in instalments are excluded)."

The above is quite worrying. If PayPal offer sellers the opportunity to sell using "subscriptions", surely they should give equal protection to those sellers?

Arrrgh.

Sarah