how to accept paypal user agreement

Holders of certain existing personal accounts may be required to upgrade their accounts (which may include providing further information to PayPal) to be able to use all of the current functionality available in a personal account. The program terms and conditions are set out in PayPals Buyer Protection program page and form part of this user agreement. The applicable chargeback fee will be deducted from your PayPal account. We may allow you to withdraw the money by transferring the money to: Fees apply to withdrawals. Request or update inaccurate information you provided us. If the payment is completed, PayPal will provide notice to you to ship the item. You may expressly grant, remove and manage permissions for some third parties to take certain actions on your behalf. If youre a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplaces or the third party applications buyer protection program for sales you make through that forum. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your PayPal account. If you have authorized a payment under a billing agreement, or if we cannot communicate with you at the time when you authorize an in-person payment (for example because you or the seller does not have connectivity at that time) and we perform a currency conversion for that payment, we will use the transaction exchange rate in effect at the time the payment transaction is processed by the seller. PayPal is duly licensed in Luxembourg as a bank (or credit institution in legal terms). In entering into this release you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favour at the time of agreeing to this release. Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third party partner to do so, if you stop using a qualifying PayPal payments solution. PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPals Pay with Rewards program. If we decide that there was no error, we will send you a written explanation. Money will be refunded in the currency you paid; or if we are unable to refund in the currency you paid, in your primary holding currency; or if we are unable to refund in your primary holding currency, then in Canadian dollars. A negative PayPal balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your PayPal balance to resolve it. If your debit or credit card issuer alerts us that someone has used your card without your permission. OnNx-\dV} wll;Ks"+]Mo9@Zr-2?ga *Z|cx8qVpOGAuDN984G;%"}V+!o9/5'8@BKb4rk^M '^._.\6 kTn*`x@u}{x|9Y5>mfuMIQv+Q5-EIjesi|EFi{7qfnW d!zsmS#Dv*%Q:Tf\|)[KePOs`#N^ This user agreement will be effective for all users as of September 19, 2022. We may limit the availability of your funding sources to manage our risk. You can use the Send Money feature when you log into your PayPal account to send a payment to someone. PayPal will notify you of each transaction by sending an email to your primary email address on file. Abuse of our online dispute resolution process and/or. Tell us the dollar amount of the suspected error. An example of such content is terrorist content. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. In these instances, your payment may appear as a pending order in your PayPal account. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement and your card agreement and reward program terms. Obtain electronic money from us by paying us an equivalent amount. The Purchase Protection claim will only be considered fully resolved if: the refund to a buyer is processed through PayPal, or. Decided in your favour by PayPal or your issuer. Unless otherwise expressly set out in this agreement, collect or pay any taxes that may arise from your use of our services. Your name, and telephone number or email address registered to your PayPal account. Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. This includes amounts owed by using our various products such as Xoom or Braintree. You may permit third party service providers licensed by applicable law to: Granting permission to any third party to access your account in any way does not relieve you of any of your responsibilities under this user agreement. We charge fees for our services as set out on the fees page relating to the country in which you are registered with us as resident. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors. If your PayPal balance becomes negative for any reason, that negative PayPal balance represents an amount that you owe to PayPal. If you select a payment method with a fee, we will always show you the fee before you send money. A payment subject to payment review is a review of the payment only and is implemented to reduce the risk of PayPal users receiving high risk transactions. If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. 0000006223 00000 n After that limited time, we may use the transaction exchange rate in effect at the time the transaction is processed by the seller, or not perform the currency conversion. In addition, the Financial Services Compensation Scheme does not cover any credit balances we hold in your PayPal account from time to time. Buyers rights under these programs may impact you as a seller. Someone has used your card or bank account without your permission, for example if your debit or credit card issuer or bank alerts us to this. PayPal Giving Fund is a charity registered with the Canada Revenue Agency (Registration No. implement and maintain all appropriate security measures in relation to the processing of such personal data; maintain a record of all processing activities carried out under this agreement; and. You will not be charged a Standard Dispute fee for disputes that are: You will not be charged a High Volume Dispute fee for disputes that are: Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Our affiliates include each entity that we control, we are controlled by or we are under common control with. You request information concerning preauthorized (recurring) transfers to your PayPal account that PayPal is required to provide to you. If the activity through any type of PayPal account you hold reaches certain thresholds or involves certain business segments or activities, you are required by the card networks to agree to a Commercial Entity Agreement to allow you to continue accepting Visa and MasterCard payments. The PayPal services are provided as-is and without any representation or warranty, whether express, implied or statutory. You will not be charged a Standard Dispute fee for disputes that are: You will not be charged a High Volume Dispute fee for disputes that are: Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Our transaction exchange rate will be used. You are responsible for transactions made in this situation. For example, you were charged more than the total shown on the payment receipt. PayPal may hold, cancel, or reverse any transaction we determine to violate this policy. Once you provide your payment instruction to us, you may not cancel it, except if it is a payment instruction under a billing agreement (see below for more details). Additionally, you have the option of requesting a refund of the payment or redelivery of the full amount of the payment. PayPal may update or discontinue any software upon notice to you. Normally, this is done after you provide us with the information we request. Your legal and contractual obligations towards the payer for any amount you return to the payer. Except as otherwise agreed by the parties, you agree to irrevocably submit to the non-exclusive jurisdiction of the courts of Ontario for the purpose of any suit, action or other proceeding arising out of this Agreement or your use of our websites or the Services. If you do not want us to update your card information, you may remove your payment method from your PayPal account. You will be considered to have received a communication from us, if its delivered by mail, 3 Business Days after we send it. We will decide, in our sole discretion, which action is required of us. PayPal reserves the right to close, suspend, or limit access to your PayPal account and/or the PayPal services in the event that, after reasonable enquiries, we are unable to obtain information about you required to verify your identity. You do not have enough money in your PayPal balance. In that case, the seller will pay the fees. You must keep the contact details you give to us up to date and have internet access and an e-mail account to receive communications and information relating to our services. Or, like happened to me, refuse to allow the money to leave your Paypal account in the first place. Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; or interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users use of any of the PayPal services. We will communicate with you in English only. If they dont open a PayPal account within 30 days, your purchase will be refunded. Otherwise, you will be charged the Standard Dispute fee for each dispute. Box 45950, Omaha, NE 68145-0950; or. You acknowledge that PayPal does not own, control nor have any responsibility or liability for any such third party software application you elect to use on any of our websites, software and/or in connection with the PayPal services. There is no limit on the number of payments eligible for PayPals Seller Protection program. Act in a manner that is defamatory, trade libellous, threatening or harassing. If you accepted this user agreement prior to us posting notice of such changes on the Policy Updates page, we will also provide you with at least 30 days advance notice (and at least 90 days advance notice to our Business Account holders in the case of the introduction of a new fee or an increase of an existing fee related to credit or debit card transactions which applies them). PayPal co-branded debit card; 4. A transaction is missing from or not properly identified in your PayPal account statement. In some cases you may not receive the item back. We made a computational or bookkeeping error related to the payment. See the rest of this section for more details. We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorised or incorrect or that their billing agreement payment was not expected) see, We are entitled to carry out the reversal for any other reason under this user agreement, including the provision. Glitches, bugs, errors, or inaccuracies of any kind in our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or any of the PayPal services or in the information and graphics obtained from them. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). If you do not want us to update your card information, you may contact your issuer to request this or remove your funding source from your PayPal account. New sellers or sellers who have limited selling activity. This may involve you faxing, emailing or otherwise providing to us at your own expense identification documents and information about your finance and operations (such as your most recent financial statements and merchant processing statements). You acknowledge and agree that any liability that we may have in connection with your PayPal Account and the PayPal products and services we may provide to you from time to time may be subject to write-down and conversion powers by a competent regulatory authority that supervises us, notwithstanding any term of any other agreement or arrangement between us. We may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency. 0000007230 00000 n I think a good stop-gap (for now) is to link my PayPal account to an account with a zero balance. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. name, address, email address, etc. When money is either incorrectly taken from your PayPal account or incorrectly placed into your PayPal account, or when a transaction is incorrectly recorded in your PayPal account. Sending money to a seller for good or services. Suspend your eligibility for PayPals Purchase Protection program and/or PayPals Seller Protection program; Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; Update inaccurate information you provided us; If you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You should read our provisions on PayPals Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in a region other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those regions as buyers rights under these programs may impact you as a seller. credit card number and expiration date). You have the right to receive an account statement showing your PayPal account activity. You must keep your mailing address, email address and other contact information current in your PayPal account profile. You can opt out from these communications at any time in your PayPal Giving Fund profile. Amendments and updates that apply to consumers may relate to: (i) the nature of PayPal services; (ii) the rights, obligations and liabilities of consumers; (iii) communications and notices; (iv) password security and identity authentication; (v) payment methods; (vi) sending or withdrawal limits; (vii) account balances; (viii) closing of accounts; (ix) fees and currency conversion; (x) restricted activities; (xi) protection for sellers and buyers; (xii) resolution procedures for unauthorized transactions and processing errors; (xiii) disputes with PayPal; (xiv) governing law and jurisdiction; (xv) limitations of liability and warranties; and (xvi) definitions. You may charge your customer's . Some common situations where PayPal will hold payments include where we have reason to believe that: When we identify a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology. When we place a reserve on your PayPal account, it means that all or some portion of the money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. If you accept PayPal payments at your physical store, you must communicate the total amount of transaction to the customer before it takes place. You may only withdraw PayPal balance in the opening currency of your account, unless we agree otherwise. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions. Access the PayPal services from a country that is not included on our. You may not rent, lease or otherwise transfer your rights in the software to a third party. Send and request money from friends and family. We may allow you to accept payments in any currency supported by our service from time to time. To open an account with us, you must: As part of our sign-up process, you must: With a personal account you can send and request money from friends and family and pay online for purchases. 0000003966 00000 n Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorize PayPal to charge up to the full payment amount to your associated card if that happens. 0000012257 00000 n Such personal data shall be processed for the purposes described in this section and shall be subject to ourPrivacy Statement. We will provide factual information about your account or the PayPal Services, even if you have opted-out of receiving marketing communications. Limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. The operational part of your account contains your PayPal balance, which is the balance of money available for payments or withdrawals. You must forfeit the full purchase price of the item or transaction plus any original shipping cost. This could include your bank account or debit or credit card, depending on the country in which your PayPal account is registered. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction. We may allow you to authenticate with PayPal when you log into certain external websites or mobile apps. There was some other unauthorised access to your account. We may keep your account information in our database for the purpose of fulfilling our legal obligations. Pay any applicable fees for receiving the funds. PayPal Giving Fund is a charity registered with the Charity Commission for England and Wales (No. Disclose or distribute another user's information to a third party, or use such information for marketing purposes unless you receive the user's express consent to do so. By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the Fee Pages, and any upcoming changes described on the Policy Updates page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates). If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative PayPal balance by using funds you maintain in a different currency. We charge you a. Manually using the Add Funds function available from your account interface to pay us or instructing us to charge your funding source for the electronic money. You can report a problem, initiate a dispute, or respond to a dispute raised by another user in the Resolution Center. You also agree to comply with the following additional policy and each of the other agreements on the Legal Agreements page that apply to you: Please read carefully all of the terms and conditions of this user agreement, the terms of these policies and each of the other agreements that apply to you. We may cancel any pending transactions and you will forfeit any balances associated with special funding arrangements. We may configure your account further so that you can use it to store money and send and receive payments in currencies other than the opening currency of your account. This may include: Anti-money laundering and counter-terrorism financing laws may require that PayPal verify certain identifying information if you use certain PayPal services. PayPal will not compensate you for any of your content. If you cancel an automatic payment, you may still owe the seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for. In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something or make a donation. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. Through our services you may make online and in-store payments, donations, and send, request and receive electronic money. You shall not surcharge for the use of our services. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. If your PayPal account is approved to accept micropayments, then the fees found on the Micropayment Fees table will apply to all transactions for the sale of goods or services processed through your PayPal account, instead of Merchant Services Fees. When we refer to PSD2 in this section we mean the Second EU Payment Services Directive ((EU)2015/2366). We are supervised by the Luxembourg financial regulatory authority, the Commission de Surveillance du Secteur Financier or CSSF. Holidays include New Years Day (January 1), Family Day (the third Monday in February), Good Friday (the Friday before Easter Sunday), Victoria Day (the last Monday preceding May 25), Canada Day (July 1), Civic Holiday (the first Monday in August), Labour Day (the first Monday in September), Thanksgiving Day (the second Monday in October), Christmas Day (December 25) and Boxing Day (December 26). When you pay certain sellers or pay for certain purchases (for instance, purchases which have to be shipped to you or may be updated and finalised by the seller), you are providing: Your authorisation will typically remain valid for up to 30 days, but may remain valid for longer. When it applies, PayPals Seller Protection program entitles you to retain the full purchase amount. Our Advanced Credit and Debit Card Payments service as part of the new checkout solution. You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. An Instant Transfer to your bank account linked to your account. In the event of a conflict between the English version of this user agreement and a version in a language other than English, the English version shall be the definitive version. Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer's previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. Your errors in making a transaction (for example, mistyping an amount of money that you are sending). When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. We will not normally ask you to log in (with password, PIN or similar) for these payments when they are made. In this section, we use the term PayPal to refer to PayPal Canada Co., our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Your relationship with PayPal Giving Fund will be governed by its Charity User Agreement. Suffer (or cause us to determine that there is a reasonable likelihood of) a security breach of your website or systems that could result in the unauthorised disclosure of customer information. If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. We have no obligation to disclose the details of our risk management or security procedures to you. Please. Whether your industry has a higher likelihood of chargebacks. You do not take all reasonable steps that we request to assist us in our investigation. We will provide you with the details of the amounts you receive and our fees charged either by e-mail or in your transaction history (which you can access by logging into your account).

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