PayPal Account Operation Guide

For foreign trade online sales, PayPal is an essential tool. PayPal offers a global leader in online payment solutions and is the largest user company with 1.600 million users worldwide. In 190 countries or regions, ebay buyers and sellers, online retailers, online merchants and traditional offline businesses are trading with PayPal. Therefore, this section specifically for PayPal to explain the content of the account risk control. These content mainly includes two aspects, PayPal Account Limited guide and credit card chargeback guide in PayPal.

1. PayPal Account Limited Guide

What is an account restricted? Account limitation refers to some functions of restricting the use of accounts, including restricting the payment function of the account, restricting the collection function of the account, and restricting the present function of the account. After the account is limited, users can login to PayPal account, view the limited situation, you can view the account information, historical transaction information, understand the steps to solve the limit.

What is the purpose of limiting accounts? In order to protect PayPal global online payment security, to create a good faith, fair trading platform to protect each legal transaction, as well as the vast number of users, PayPal will regularly check the transactions of the account. PayPal will limit the suspect account if suspicious transactions are found when the account is audited.

What are the main causes of account constraints? The breach of the PayPal User Agreement (User Agreement) is the main reason for the limited users account, the specific behavior of the following: registered PayPal account with false information, the number of transactions in the short term and the transaction amount increased; account irregularities, such as credit card fraud, excessive trading complaints Abuse of PayPal buyer protection mechanism, associated with limited account, sale of infringement and other illegal items.

How do I recover a PayPal limited account? Login account After the background, you can see the operation prompt in the "Mediation Center", usually you need to provide the following information, information or follow the instructions.

· Update account financial information, such as recent bank statements, credit card statements, etc.

· Provide proof of identity, such as ID card, passport, residence permit, etc.

· Provide legal proof of business practices, such as shipping vouchers and sourcing information.

· Please pay close attention to your mailbox, PayPal will notify you by email to provide relevant information.

If your account is restricted, you can see the limited account in denotes center, and follow the instructions. How do I recover from a limited account? First of all, your default mailbox will receive a notification letter, and, when you next login your account, you will see a pop-up page, the title is "We Require Additional information about Your accounts." This page provides detailed instructions on how to get your account back to normal status. Then, you will see a red warning box on the PayPal site. Click the click to Resolve link on the page for further action.

In order to help businesses reduce the withdrawal, PayPal's risk control mechanism will be suspected of fraud in the system to temporarily freeze AFR (Admin investigative reversal), if the buyer does not take appropriate action to cooperate with the investigation, PayPal may return money related to suspicious transactions to the source account sent by the funds. To solve AFR problems, businessmen are required to urge buyers to complete one of the following two operations: Confirm buyer's credit card (when the buyer's credit card may be embezzled); Change the password and security of the buyer's account (the buyer's account may be unauthorized).

2. Credit card chargeback Guide in PayPal

PayPal offers a perfect credit card refund (chargeback) process when you use PayPal to accept credit card payments online. This process is shown in Figure 8.7.

PayPal in the use of the manual to remind that there are three main reasons for credit card refund, the buyer did not receive the goods, unauthorized transactions, the goods received and the description is seriously inconsistent. The seller must lodge a complaint within 10 days of the withdrawal and provide a strong supporting document. PayPal credit card withdrawal processing team can significantly increase the success rate of sellers complaints, so to work closely with them. For sellers, the withdrawal process takes about 75 days.

Buyers do not receive the goods: through the Third-party logistics company delivery to the buyer's door, the buyer let a friend of his waiting at his door, and then let him pretend to sign your behalf of your goods. Then, claiming that "no merchandise received", complained that you did not give him delivery, or the delivery was lost. Because not all logistics companies provide tracking code. They will not be very serious about confirming the signature, so consumers can find someone else to sign or forge a signature. Online merchants for this, in the case of complaints to provide evidence of the delivery of goods, such as: Receipt, logistics invoices, consumer names and addresses. So use a service-perfect logistics company in normal business and keep the evidence within 12 months.

The goods received are seriously inconsistent with the description: when the consumer complains that the article is inconsistent with the description, most of the time, the seller can only do to provide documents to prove that the site description and delivery of the goods are consistent, such as providing the relevant product specifications, photos and so on. But it's almost impossible to provide photos and surveillance footage of the shipment. Consumers can say that they received something else, such as a box of stones. Or the function is incomplete or ineffective. It's very difficult for you to collect evidence at this time. At this time the bank asks you to give him a refund, but the fraudster will not mail the product to you, or just send you a box of garbage.

Unauthorized transaction: NET Theft (cybershoplifting) is the chargeback that occurs when a credit card holder claims that a transaction is not authorized. This usually compromises the merchant, because the merchant is not able to confirm in the website sale The person that uses this credit card to pay is oneself. In response to a complaint that a credit card has been embezzled, the seller may be able to provide two evidence, one is that the logistics address of the item purchased is the same as the cardholder's billing address, and the other is the cardholder's signature. But online shopping cardholder's signature is almost impossible to obtain, so the seller may only provide the first kind of evidence, namely the logistics address and billing address are the same.

However, most of the time, the purchaser would say that the order was ordered as a gift to someone else, or asked to be delivered to his office address, telling the seller that no one in the house was to sign the goods.

Because chargeback is a complaint or a reaction after the previous deal has surfaced, it usually takes weeks or even months before you know that the chargeback and the trade fair have been revoked. Even if you have a small amount of online business, it's hard to avoid the risk of chargeback. According to a study by the Cannes group, the percentage of cheaters in online trading accounts for about 1.1%, as if you paid 1.1% of the money for online transactions. Of course, the risk of repudiation varies depending on the type of product you sell, but almost all people who accept credit card payments face chargeback risks.

With traditional credit cards, consumers can protect the damage caused by the card being stolen. Consumers may contact their issuing bank for a "refund" when they find any unauthorized transactions in their statements (or when the merchant fails to ship the goods ordered). For "No card" transactions (for example, the buyer can not personally sign on the site, only through the Internet or telephone order), the recipient of the stolen credit card merchants must bear the goods to the fraud party caused by the loss. Merchants who accept PayPal payments by credit cards should also be responsible for refunds, unless the transaction provides for the protection of PayPal sellers.

PayPal provides a way to protect yourself from chargeback, the Seller protection rules (Seller homeowner Policy, SPP). Online merchants should be sure to be familiar with PayPal's SPP (Seller protection rules lookup address https://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/protections). However, if your customer is applying for a chargeback and you are unable to follow the SPP, you will have to bear the amount of the protest yourself.

While most clearing houses simply leave the risk of repudiation to their sellers (allowing sellers to assume chargeback losses), PayPal offers protection against fraudulent chargeback. If you follow the SPP policy, PayPal protects you from the chargeback responsibility of all fraudulent transactions. In addition, PayPal treats chargeback complaint is very serious, exactly, PayPal will investigate and stand on the seller's stand for chargeback debate.