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Fineprint 10 code

Fineprint 10 code

fineprint 10 code

FINE PRINT. “What You Need To Know” Our use of check images and substitute checks ..10 specifically agree that the provisions of Indiana Code. 4/29 at 10 AM PST to receive your Thank You burrito. APPLY NOW. *While supplies last. First come, first served. US only. Burrito code expires 5/31/21. FinePrint is currently one of the best virtual printers for Windows. all versions universal license codes for Windows 32-bit & 64-bit.

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Groupon is all about saving you money by offering great local deals from businesses in your city, as well as coupon codes from retailers all over the country. There are also Groupon Goods and Getaway Deals that you can take advantage of to save even more money. Sometimes, you don't even need to use a Groupon promo code to get the best possible deal.

How to Save Money on Groupon

It might seem redundant to save money on this site that exists specifically to save you money, but savvy select customers who know the tricks of the trade can bring a purchase down to nearly nothing. Particularly advanced users don't even need a promo code to do it.

In the absence of in-store coupon stacking and price matching, here are the best tips to save even more with your Groupon coupon codes.

  • Sign up for a Groupon account and register for their newsletter and you’ll get a 25% off Groupon promo code for your first purchase.
  • Refer a friend and get $10 in Groupon Bucks once they buy their first deal. 
  • Keep an eye on Groupon’s Clearance page, which often lists deals upwards of 80% off.
  • Get free shipping on Groupon when you spend at least $35 on a product or look for a free shipping coupon code on this page.
  • You can combine products to hit the $35 minimum as well. Speaking of buying products, purchasing Groupon goods will earn you a promo code for 15% off Bonus Savings which can be used at a restaurant, spa or other local deal. Certain deals are excluded and you have to use it within 48 hours, but hey, free money.
  • While third-party vendors like Groupon can't offer free shipping, they have a convenient resource to get the best possible shipping rates from major retailers on the site. 
  • Read the fine print on your coupon code before you checkout. Individual retailers often come with their own particular fine print — don't get locked into a potentially non-refundable purchase before making sure you are eligible for the deal.

And if you can’t be bothered to check the site regularly, definitely subscribe to their emails, and follow Groupon on Facebook or Twitter so you don’t miss out on any great sales or Groupon coupon codes.

What Promo Codes Does Groupon Offer?

Before pulling the trigger on your already-discounted item, make sure you're getting the best Groupon promo codes. Look for 20-25% offers for local deals and Groupon Getaways. There are often exclusions to those offers, so make sure you read the fine print. Occasionally there will also be targeted promotions available to certain Groupon subscribers, such as $10 off any order.

How Do I Redeem My Groupon Coupon?

Bought your exciting new restaurant Groupon coupon and feel anxious about how to elegantly present your coupon code or voucher to your waiter? Fortunately, Groupon coupons often come with instructions under "View Details" on the My Groupons page. Select "How to Use" and it will tell you the best way to redeem that specific coupon, regardless of whether it's for home goods, a getaway or a full-body massage.

Sometimes, you don't need to do anything other than show your voucher, printed out or on your phone. This is often the case for local deals and live events that require tickets.

Watch Out for Deals of the Day

Keep an eye on the limited time Deals of the Day. This daily deals promo section is updated every 24 hours, so get in quick before time or stock runs out. These Groupon deals include a huge range of items including gadgets, home and car accessories and apparel. Hone your coupon code typing trigger fingers and your Deals of the Day checking reflex now, so you can clean up during the Black Friday Deals flash sale shuffle when the time comes.

Earn Groupon Bucks

Get rewarded for shopping with Groupon Bucks, credit that can be redeemed on future qualifying purchases. Sign up for an account and begin earning and spending Bucks with qualifying purchases right away. There are a few ways you can earn Groupon Bucks: 

  • Special promotions and purchases
  • Refunds (credit given as a refund does not expire)
  • Groupon gift cards

These credits automatically apply to your next qualifying purchases to give you even bigger savings.

How Do I Use the Groupon App? 

If you want to keep on top of the latest local deals and coupon codes from your favorite stores, signing up for the Groupon app just takes a minute. 

In addition to getting a streamlined feed of each promo code from the desktop site, you can also:

  • Receive $10 in Groupon Bucks when you make your first purchase via the mobile app.
  • Make it easier to redeem your voucher for travel deals and live events.
  • Access high-demand discounts and coupons where supplies may be limited. 

Refer a Friend and Earn $10 in Groupon Bucks

Tell your friends and family about Groupon by sharing your custom link with them. If your friends create an account and make a purchase within 72 hours, you earn $10 Groupon Bucks. 

Groupon Student Discount 

If you're a college student, sign up for Groupon's Student Program to receive an extra 25% off local Groupon deals. You'll receive 25% off during your first six months, and as long as you're still a student, you'll still be eligible to receive a 15% discount off qualifying orders after that. Your maximum savings is $20 and you'll need your student identification to sign up. 

Groupon Refund Policy

Groupon has a fair refund policy, so there isn’t much risk involved with trying out a product or service found on their site. 

  • Any unredeemed voucher can be refunded within three days from time of purchase. All sales are final after that, but your voucher is always worth at least the amount you paid for it, regardless if the promotional value has expired or not.
  • If you are unsatisfied with what you paid for, Groupon claims they will try to “make it right” within 14 days.
  • If you buy a trip voucher through Groupon Getaways but aren’t able to book the trip you want, you have until the book-by-date to request a full refund.
  • Groupon Goods products can always be returned (unless otherwise specified) within 14 days of receipt.
  • Tickets bought via GrouponLive are only refundable the same day you bought them. Unless the event is canceled or rescheduled you won’t be able to get your money back.

Contact Groupon

You can call their customer service or use their live chat option on their website. Just select the order in question in the help wizard and fill out what the issue is in the field provided. On the third screen, you will be paired up with a customer service rep.

Enjoy massive discounts and free gifts with the Spotify Black Friday deals 2021. The music streaming service is known to extend its Black Friday offerings until the end of the year, so keep your eyes peeled for the latest news on its Black Friday deals. 

Snag Big Markdowns on Spotify Premium Subscription Fees

For its 2021 Black Friday promotions, the streaming platform gifted new and trial Spotify Premium subscribers with a $0.99 subscription fee for three months — on top of its regular 30-day free trial offering. Regular premium subscriptions cost $9.99 a month. For the 2021 Spotify Black Friday sale, you can look forward to similar or even sweeter deals.

Score Freebies on Spotify Premium Subscriptions for Family

For Black Friday 2021, the service treated Spotify Premium Family subscribers to a free Google Home mini. Spotify even ran the deal until the end of December 2021 to reward more users. With its Spotify Black Friday deals 2021, the retailer is expected to raise the bar in terms of gifts and giveaways bundled with its premium subscriptions.

Join the Spotify Rock Star Program for More Rewards

Earn points and be rewarded with exclusive gifts such as Spotify T-shirts, top-of-the-line Bluetooth headphones and more. Sign up and get accepted into Spotify's Rock Star Program and start earning those Rock Star points.

About Slickdeals

Slickdeals is the leading crowdsourced shopping platform:

  • Slickdeals strives to offer a comprehensive coverage of the best coupons, promo codes and promotions for thousands of different stores like Groupon. We have a dedicated team that works around the clock to find, post and verify the offers we present to consumers.
  • In the last 20 years, Slickdeals has saved online shoppers over $6.8 billion.
  • We have 11 million active savvy shoppers, you can join our community by signing up.
  • Slickdeals is the eighth largest online shopping destination in the U.S
  • Download our Slickdeals chrome extension, get the best prices and auto apply coupons.
  • Get great savings and deals at your fingertips by downloading our Slickdeals Mobile App on iOS or Android.
Источник: https://slickdeals.net/coupons/groupon/

Hi,

Thank you for posting the query on Microsoft Community.

I appreciate your interest on Windows 10.

Before we proceed, I would like you to answers the following question:

  1. What is the make and model of the printer?

This issue may occur due to corrupted printer driver or software.

I suggest you to install latest printer driver and software from manufacturer website and run in compatibility mode check if it helps.

Follow the steps below to install the drivers in compatibility with Windows 10.

  1. Download the driver from the manufacturer’s website.
  2. Right-click on the driver setup file and click on ‘Properties’.
  3. Click on the ‘Compatibility’ tab and check the box ‘Run this program in compatibility mode for’ and select Windows 10 operating system from the drop down menu and proceed with the installation. Once this is done, restart the computer and check if the issue persists.
 Please get back to us with updated status, we will be happy to assist you.  

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So sorry for the omission, the printer is a HP LaserJet 1020. There are no drivers other than the windows drivers. I turned off the printer and uninstalled the drivers. When it is turned on the windows drivers automatically load. There are no options.

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Hi Baldron,

Thank you for posting your query on Microsoft Community.

I understand that you are facing issues with printer on Windows 10. Sorry for the inconvenience caused to you.
The issue could occur if the printer driver is not installed properly.

In order to help you better, please provide the information:

Have you made any changes to the Computer prior to the issue?

 

Refer to the below steps and check if it helps.

Step 1: I suggest you to download the latest printer driver from the below HP website.

http://support.hp.com/us-en/drivers/selfservice/HP-LaserJet-1000-Printer-series/439423/model/439428

Step 2: Then I would suggest you to run the Program Compatibilitytroubleshooter and try to install the printer driver in program compatibility mode. Check if it helps.

1. Click on Search box which is next to Start Menu.

2. Type “Troubleshooting” without the quotes and click on Troubleshooting.

3. Click on View All the left panel of the screen and then click on Program Compatibility Troubleshooter.

4. Then click on Next and follow the instructions to install the driver.

Reply to us with the information, so that we can assist you better.

Get back to us if you need any further assistance on Windows related issues and we will be glad to help. 

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Thank you, but this also didn't work. I think the issue is with the pointers to the 32 bit print service. I just installed a new printer Canon Image class MF 8280C And it now has the same issues. Unable to create print job. I checked under services. And the print spooler is running. Is there a different print spooler for 64 bit Machines?

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Hi Nyima,

I have the same problem as Baldron.

Windows 10 got updated to Version 1607 (OS Buil 14393.321) at the End of September (just before I went on Vacation) an today, when I started my computer (first time after vacation) and tried to print an E-Mail, I get this Error: "error 0x00000bbb unable to create a print job".

It doesn't matter what printers (I have several "printers" like Adobe PDF, Fineprint, Brother, HP, ...) I choose, I get always the same error.

The Printer themselves work fine, as I can print from other PCs to those.

When I open the Printer&Device Settings Page, I only have 1 Printer left !! But even that one fails to print a Test Page.

But when I try to print from any Application and I'm in the Printer dialogue, I get the full List of Printers. The same applies when I'm in the Troubleshooter. I can troubleshoot any of my "old" (as in those that I had before the 1607 Win10 Update) Printers and the troubleshooter comes back with no errors.

BUT I STILL CANNOT PRINT ANYMORE.

Thanks to get me a solution to that Problem (that was not a Problem before Win10 Update 1607.

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I did finally get this problem resolved. Your not going to like the answer.

Go to all settings.

Go to update and security

Go to Recovery

Select Reset this PC.

I spent hours with MS tech. Adjusting everything. None proved fruitful. After the reset life was back to wonderful. Personally I think that some how the printer section became corrupted during the update process. And Nothing you do can uncorrupt. Back up your files, and dive in. After all is completed make sure you make a hard reset point after your programs and setting are to your liking. I am NOT a computer professional. Just sharing the solution that worked for me.

Baldron

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Hi Baldron,

What will I lose by doing a Reset ?

All Applications (like Office, Firefox, ...) ?

All Data on the Disks ?

All Settings ?

Anything else ?

Or can I just have Win10 Software reinstalled (without messing up my installed Programs & Applications) ?

Thanks for your reply.

Regards.

Jean-Marie

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This is basically a Window 10 reinstall You wont lose all your programs but expect some to be reinstalled. I did do a recovery point before I started. And restored to that restore point when I was done. I had to reinstall a few programs but did not lose information. I am NOT a computer professional. Just sharing the solution that worked for me.

Baldron

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Источник: https://answers.microsoft.com/en-us/windows/forum/all/unable-to-create-a-print-job/9614325f-8ef4-4481-824e-479bb16b6b36

FinePrint 11.04 With Serial Key

FinePrint Crack saves you money on paper and toner, weight in your briefcase, and time and hassle in managing your print jobs. With FinePrint working for you, annoying printing problems disappear. Below are just some examples of printing problems that FinePrint can fix. See also our Enterprise section for the benefits of FinePrint in the Enterprise. You may also like pdfFactory Pro Crack

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Fine Print License Code is the excellent driver software that introduces the printing documents to read out anytime and everywhere. It runs virtually. If you are operating with Windows OS, it works a vital role to maintain the records you have to print or read. Fine Print 10.03 Crack is huge and collaborative to reach printing content. First of all, it gives a considerable printing ability with the text arrangement. You can adjust the text form as you like to do. As simple is it, you can do great with its help while changing the text size and modify also. You can also download PDF Shaper Professional Crack

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PAYPAL USER AGREEMENT

About Your Account

This user agreement will be effective for all users as of September 21, 2021.

Welcome to PayPal!

This user agreement is a contract between you and PayPal, Inc. governing your use of your PayPal account and the PayPal services. It applies to U.S. PayPal accounts only. If you are an individual, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. PayPal account and use the PayPal services. If you are a business, the business must be organized in, operating in, or a resident of, the United States or one of its territories to open a U.S. PayPal account and use the PayPal services.

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). These terms include an agreement to resolve disputes by arbitration on an individual basis. You also agree to comply with each of the other agreements on the Legal Agreements page that apply to you and the following additional policies:

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 revise this agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the Policy Updates page of our website. 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 21 days' advance notice for any changes impacting personal accounts and/or at least 5 days’ advance notice for any changes impacting business accounts. By continuing to use our services after any changes to this user agreement, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account.

Opening a PayPal Account

We offer two types of PayPal accounts: personal PayPal accounts and business PayPal accounts, both covered by this user agreement.

All PayPal accounts let you do things like:

  • Send and receive money.
  • Buy things online, using mobile devices or in stores.
  • Make payments using your credit card, debit card, bank account, or other payment options, including funds held as balance in a business PayPal account (if we have verified the required identifying information you provide to us) or funds held in a PayPal Balance account linked to a personal PayPal account if you choose to open a PayPal Balance account. The terms “PayPal Balance account” or “Balance Account” in this user agreement are used to refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash or a PayPal Cash Plus account, as applicable. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.
  • Accept credit card, debit card, bank account, Balance Account, and other payment methods from others.

You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your PayPal account and the PayPal services. You must keep your mailing address, email address and other contact information current in your PayPal account profile.

 

Personal PayPal accounts

If you primarily need to make purchases and send money to family and friends, a personal PayPal account is probably right for you. With a personal PayPal account you can do things like:

  • Send and request money from friends and family.
  • Buy goods and services.

You can also use a personal PayPal account to receive money for the sale of goods and services and hold that money in a linked Balance Account or transfer it to a linked bank account or debit card if you do not open a Balance Account, but if you plan to use your personal PayPal account primarily to sell things, you should open a business PayPal account. You can also convert your personal PayPal account to a business PayPal account should circumstances change.

 

Business PayPal accounts

We recommend business PayPal accounts for people and organizations that primarily use PayPal to sell goods or services or to receive donations, even if your business is not incorporated. With a business PayPal account, you can do things like:

  • Use a company or business name as the name on your business PayPal account.
  • Allow employees access to some of the features of your business PayPal account.
  • Sign up for PayPal products that meet your business needs.

Business PayPal accounts may be subject to fees that differ from the fees applicable to personal accounts.

By opening up a business PayPal account or converting a personal PayPal account to a business PayPal account, you certify to us that you are using it primarily for a business or commercial purpose. You also consent to PayPal obtaining your personal and/or business credit report from a credit reporting agency at account opening and whenever we reasonably believe there may be an increased level of risk associated with your business PayPal account.

 

Commercial Entity Status

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. In this case, these Commercial Entity Agreements will apply to any payment processed by PayPal on your behalf and will form part of this user agreement.

Closing Your PayPal Account

You may close your PayPal account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. If you have a Balance Account linked to a personal PayPal account, you must withdraw or transfer any funds held in your Balance Account before closing your personal PayPal account, and closing a personal PayPal account will result in PayPal automatically closing any linked Balance Account. If you have a business PayPal account, you must withdraw or transfer any balance from your business PayPal account before closing it, and if you have not provided the required identifying information to us, or if we are unable to verify the required identifying information you provide, you must transfer any balance in your business PayPal account to a linked bank account or debit card. You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayPal Digital Gifts and linked to your personal or business PayPal account as payment methods. However, even without your PayPal account, you can still use the codes you received by email when you purchased the gift certificates/cards to make purchases.

In certain cases, you may not close your PayPal account, including:

  • To evade an investigation.
  • If you have a pending transaction or an open dispute or claim.
  • If your PayPal account has a negative balance.
  • If your PayPal account is subject to a hold, limitation or reserve.

Link or Unlink a Payment Method

You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. You can also link a Balance Account to your personal PayPal account as a payment method and unlink the Balance Account by withdrawing all funds and closing it. Please keep your payment method information current (e.g. credit card number and expiration date). If this information changes, we may update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your payment method from your PayPal account. If we update your payment method, we will keep any preference setting attached to such payment method. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. To do this, we will charge $1.95 to the card. After the card is confirmed, we will immediately refund this amount to the card.

Receiving Funds, Holding a Balance or Transferring Funds

Personal PayPal accounts

Money sent to your personal PayPal account cannot be held as a balance in your personal PayPal account. When you receive money to your personal PayPal account, you can:

  • transfer the money via a standard transfer to your bank account linked to your personal PayPal account for free;
  • transfer the money via an Instant Transfer to an eligible debit card or bank account linked to your personal PayPal account, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Funds (for personal PayPal accounts) table and that will be disclosed to you in advance each time you initiate such a withdrawal;
  • request PayPal to send the money to you by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). If you request a paper check from us, you must cash it within 180 days of the date of issuance, or we will return the funds to your linked Balance Account if you have one or hold the funds on your behalf and retain the non-refundable fee of $1.50. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you;
  • open a Balance Account to hold the money as a balance in your Balance Account for purchases or to transfer funds to friends and family members. A Balance Account is separate account from your personal PayPal account. If you open a Balance Account, we will automatically link your Balance Account to your personal PayPal account. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.

You also cannot transfer money to your personal PayPal account to be held as a balance in your personal PayPal account. You will need to open a Balance Account to hold the money as a balance in your Balance Account, which can be used for purchases or to transfer funds to friends and family members. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.

Except as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or debit card if you do not have a Balance Account, represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation (FDIC).

PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds held with PayPal. PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.

If you have a PayPal Cash Card debit card as part of a Balance Account, or have enrolled in Direct Deposit, or have bought cryptocurrency, the cash funds held in your Balance Account are eligible for pass-through FDIC insurance as further detailed in the PayPal Balance Terms and Conditions. FDIC pass-through insurance only applies to U.S. dollar funds held in your eligible Balance Account balance. It does not apply to funds held in any non-U.S. dollar currencies, nor does it apply to any amounts held in cryptocurrencies.

 

Business PayPal accounts

Money sent to a business PayPal account can be held directly as balance in the business PayPal account. The balance functionality in your business PayPal account will differ depending on whether we have been able to verify the required identifying information that you provide to us.

The required identifying information is:

  • For sole proprietorships: name, physical address, date of birth and taxpayer identification number; or
  • For other types of business legal entities: business name, business address, taxpayer identification number, and proof of business existence.

If we have not verified the required identifying information, a balance in your business PayPal account can only be held in your business PayPal account and transferred to a linked bank account or debit card or you can request PayPal to send you the money by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). Your balance may also be used to fund payments or money owed to PayPal, such as payments on your PayPal Working Capital account or monies owed for refunds or chargebacks.

If we have verified the required identifying information, a balance can be held in your business PayPal account, transferred to a linked bank account or debit card, used to make purchases or send money to others.

If you have a business PayPal account and we have verified the required identifying information that you have provided to us, you may transfer money to the balance of your business PayPal account from any bank account linked to your business PayPal account by requesting an electronic transfer from your bank account. If we have not verified the required identifying information that you have provided to us, you cannot add funds to your balance in a business PayPal account.

You can withdraw balance from your business PayPal account by:

  • transferring it via a standard transfer to a bank account linked to your business PayPal account for free,
  • transferring it via an Instant Transfer to an eligible debit card or bank account linked to your business PayPal account, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Balance (for business PayPal accounts) table and that will be disclosed to you in advance each time you initiate such a withdrawal,
  • withdrawing it from an ATM (automated teller machine) if you have a PayPal-branded debit card (fees may apply), or
  • Requesting a check from us (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). If you request a paper check from us, you must cash it within 180 days of the date of issuance, or we will return the funds to your balance in your business PayPal account and retain the non-refundable fee of $1.50. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you.

Any balance you hold in your business account represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation (FDIC).

PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds held with PayPal. PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. However, the claim against PayPal represented by your PayPal funds is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.

 

Restrictions on transfers or withdrawals from PayPal accounts

To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal, or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or negative balance is fully paid off.

We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. Completing two out of three of the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap:

  • Verifying your bank account.
  • Linking and confirming your credit or debit card information.
  • Providing your social security number.

Managing Your Money in Multiple Currencies

Holding currency other than U.S. dollars

Your balance in your business PayPal account or in your Balance Account, if you have one, may be held in currencies other than U.S. dollars.

If you hold a balance in your business PayPal account or in your Balance Account:

  • We may allow you to convert the funds to balance in another currency. If you convert funds in your account, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. We may, at our discretion, impose limits on the amount of money you can convert or the number of conversions you can perform.
  • You may only withdraw the funds in U.S. dollars. In order to withdraw funds in your account held in another currency you will have to convert the currency to U.S. dollars, or it will be converted for you at the time of your withdrawal. PayPal’s currency conversion rate, including our currency conversion spread, will be used.

To receive money in a currency your account is not currently configured to accept, it may be necessary to create a balance in your business PayPal account or in your Balance Account, in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal’s transaction exchange rate (including our currency conversion spread) will be used.

You are responsible for all risks associated with maintaining multiple currencies in a Balance Account or business PayPal account. You may not manage or convert multiple currencies for speculative trading purposes, conversion arbitrage, conversion options, or any other activity that PayPal determines is primarily for the purpose of gaining or making money based on currency conversion rates. PayPal may hold, cancel, or reverse any transaction we determine to violate this policy.

 

How we convert currency

If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a currency conversion spread applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate(s).

For some uses of your PayPal accounts, PayPal may determine currency conversion is necessary. The applicable currency conversion spread can be found on our Fees page under the heading Currency conversion.

 

Currency conversion choices

When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer perform the currency conversion, if applicable for that card issuer and network. Currency preference selections may be presented to you in various forms, including setting the currency of your card, a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, and may be made available individually for each card and for each automatic payment agreement. If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge.

PayPal will always perform the conversion for transactions where your Balance Account balance, business PayPal account balance or linked bank account is the payment method.

Account Statements

You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account. If you have a Balance Account linked to your personal PayPal account, you will receive two statements: one showing all transactions in your personal PayPal account and an additional statement showing only transactions involving your Balance Account.

Sending Money and Buying

Sending Money to a Friend or Family Member

Sending money

You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don’t have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don’t claim it, it will be refunded to you.

We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account.

When you send money to a friend or family member who has a PayPal account, one of two things may happen: they may accept or decline the money. If they decline to accept the money, the money (including any fees you were charged) will be refunded to:

  • The original payment method you used for the transaction, if you used a credit card, debit card, PayPal Credit, a Balance Account, or balance in a business PayPal account as the payment method, or
  • The balance in your business PayPal account or the balance in your Balance Account linked to your personal PayPal account if you used a bank account as the payment method and we cannot refund it to your bank account.
  • If you do not have a Balance Account linked to your personal PayPal account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

Fees for Sending Money to Friends and Family

The fees applicable to sending money can be found on our Fees for Sending Money to Friends and Family page and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your Balance Account balance or in your business PayPal account balance from one currency to another before sending money, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.

If you send money to a friend or family member from a third party (non-PayPal) website or by using a third party’s product or service, then the third party will determine if the sender or recipient pays the fee. This will be disclosed to you by the third party before the payment is initiated.

You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.

Buying Something From, Donating to, or Returning Something to, a Seller Who Accepts PayPal

How to buy something or make a donation

You can buy something from a seller who accepts PayPal or make a donation, in any currency that the recipient accepts and that PayPal supports using any payment method linked to your PayPal account. This includes, for example:

  • Buying something at an online retailer’s website and selecting PayPal as your payment method at checkout.
  • Sending money to a seller for goods or services.
  • Using your PayPal account to buy something at a seller’s physical store using an electronic terminal, subject to certain limitations.
  • Using your PayPal account to buy something at a seller’s physical store using your own mobile device and a QR code, subject to certain limitations.
  • Making donations using PayPal.

If the seller you are buying from sells goods or services and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account. If they don’t open a PayPal account within 30 days, your purchase will be refunded.

In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something or make a donation. In addition, payment methods may be limited for certain sellers or recipients, including PayPal payments made through certain third-party websites or applications.

When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorization for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, PayPal’s transaction exchange rate (including a currency conversion spread) will be used, and may be the rate at the time the payment is processed.

 

Fees

When you buy something from a seller who accepts PayPal or make a donation, you don’t pay a fee to PayPal. If PayPal performs a currency conversion for your purchase or donation, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. Your debit or credit card issuer may also charge you a separate fee for non-U.S. transactions.

In addition you may be required to pay a fee to PayPal if you are making a purchase using PayPal Business Payments and the seller discloses to you that you, as the buyer, must pay the fee.

 

Payment review

When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.

 

Automatic payments

You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, recurring or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or "preapproved payment."

If you have a personal PayPal account, you may cancel a recurring automatic payment up to 3 Business Days before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center, or by calling PayPal at (888) 221-1161.

Once your automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. 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.

If you have given advance authorization, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you and the seller.

If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread) in effect at the time the automatic payment transaction is processed.

 

Refunds

When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the money will typically be refunded to the original payment method you used for the transaction if you used a debit card, credit card, PayPal Credit, or a balance in your Balance Account or business PayPal account.

If you used a bank account linked to a personal PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your linked Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

If you used a bank account linked to a business PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your balance in your business PayPal account.

For purchases you make in a seller’s store location that you paid for using your personal PayPal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

For purchases you make in a seller’s store location that you paid for using your business PayPal account and the transaction is ultimately refunded, the money will be refunded to your balance in your business PayPal account.

If you used Pay with Rewards to fund your transaction, your refund will be processed back as a dollar amount: depending on your card agreement with your issuer, your issuer may or may not credit your purchase back to your reward balance.

If PayPal performed currency conversion for your transaction and a refund is issued:

  • Within 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) used at the time of the original payment will apply.
  • Beyond 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) on the date of the refund will apply.

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 we are unable to refund in your primary holding currency, then in U.S. dollars.

Payment Method Used for My Transaction

Selecting a preferred payment method

You can choose any of the payment methods in your PayPal account as your preferred payment method. You can select a preferred payment method in your account preferences on www.paypal.com or in the PayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired.

You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below.

If you have chosen a preferred payment method, it will be shown as the primary method of payment.

If no preferred payment method, it’s still your choice.

The availability of certain payment methods may be limited based on that particular seller or the third-party website you are using to complete the transaction.

If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.

 

Backup payment method

Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method.

 

Sending money to friends and family

When you send money to friends and family within the U.S. using balance in your Balance Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. If you select a payment method with a fee, we will always show you the fee before you send money.

 

Automatic payments

Some sellers allow you to store PayPal as the way you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with the seller that permits them to request that we charge your PayPal account each time you make a purchase. To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method.

When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for such agreement. You can review, set, or change a preferred payment method for an automatic payment agreement in your account settings on paypal.com.

Your preferred payment method for an automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Balance Account, that balance may be used before your preferred payment method.

If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (for example, because it is expired or has insufficient funds) the payment method used will be in the following order, if applicable: 1. Balance Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we’ve been able to verify the required identifying information you provide to us); 2. Bank account; 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable.

 

Bank account transfers

When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason.

If you use your PayPal account to pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. The terms, benefits, and protections associated with your PayPal account may vary from those that apply to your bank account. If you use your PayPal account to make a purchase that exceeds the balance in your linked bank account, you could incur overdraft fees, even if you chose not to allow overdrafts with your bank. Similarly, the liability limits applicable to your PayPal account may differ from those applicable to your bank account.

 

E-check

E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of time will increase if the payment is sent from a bank account located outside the United States.

 

Pay with Rewards

PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal’s Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal’s Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option.

All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. 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. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit).

There may be a delay between checkout and processing of your payment. Only rewards available upon processing of your payment will be used. 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. For more information on redeeming rewards and how it works, please see About Payment Methods.

 

Debit card processing

PayPal will process your debit or prepaid card funded transactions through either the ATM debit network or the Visa, MasterCard or Discover network. If we process your debit or prepaid card through an ATM debit network, we may provide you with the opportunity to switch to a Visa, MasterCard or Discover network by changing your preferences for that debit or prepaid card through your PayPal account profile.

Loyalty Cards

If you use the PayPal application on your mobile phone, you may store loyalty card numbers or bar codes, where applicable, for certain sellers in your PayPal account. When you store your loyalty card numbers or bar codes in your PayPal account, you will earn any rewards, subject to the seller’s loyalty card terms and conditions, at the time you make your payment to the merchant by presenting the stored loyalty card number or bar code to the seller at the point of sale. It is your responsibility to make sure you have entered your loyalty card information correctly and that you update it as necessary. It is also your responsibility to ensure that you are receiving the rewards to which you are entitled. PayPal is not responsible for managing your loyalty card account by offering this service and any questions about your loyalty card or associated rewards program should be directed to the seller who offers the card.

PayPal’s Purchase Protection Program

When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal’s Purchase Protection program. When applicable, PayPal’s Purchase Protection program entitles you to coverage for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for the Purchase Protection program. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.

IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal’s Purchase Protection program does not entitle you to coverage for the return shipping costs that you may incur.

PayPal’s Purchase Protection program may apply when you encounter these specific problems with a transaction:

  • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or
  • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim).

If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the Purchase Protection program, and is described below under Liability for Unauthorized Transactions and Other Errors.

 

QR Code Transactions

If you buy something from a seller in person by using a PayPal goods and services QR code, your transaction may be eligible for PayPal’s Purchase Protection program.

 

Item Not Received claims

Your claim will not qualify for a refund under PayPal’s Purchase Protection program for an Item Not Received claim, if:

  • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller’s physical store, except for in-person PayPal QR code goods and services transactions, or
  • The seller has provided proof of shipment or proof of delivery.

If the seller presents evidence that they delivered the goods to you, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods.

 

Significantly Not as Described claims

An item may be considered Significantly Not as Described if:

  • The item is materially different from the seller’s description of it.
  • You received a completely different item.
  • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used.
  • The item was advertised as authentic but is not authentic (i.e. counterfeit).
  • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it.
  • You purchased a certain number of items but didn’t receive them all.
  • The item was damaged during shipment.
  • The item is unusable in its received state and was not disclosed as such.

An item may not be considered Significantly Not as Described if:

  • The defect in the item was correctly described by the seller in its description of the item.
  • The item was properly described but you didn’t want it after you received it.
  • The item was properly described but did not meet your expectations.
  • The item has minor scratches and was described as “used."

 

Ineligible items and transactions

The following items or transactions are not eligible for PayPal’s Purchase Protection program:

  • Real estate, including residential property
  • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards
  • Businesses (when you buy or invest in a business)
  • Industrial machinery used in manufacturing
  • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards
  • Payments made in respect of gold (whether in physical form or exchange-traded form)
  • Financial products or investments of any kind
  • Gambling, gaming, and/or any other activities with an entry fee and a prize
  • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms
  • Payments to a state-run body (except for state-owned enterprises), government agencies, or third parties acting on behalf of state-run bodies or government agencies
  • Payments to any bill payment service
  • Significantly Not as Described claims for wholly or partly custom-made items
  • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller’s point of sale location, except if you paid for the transaction in person using PayPal’s goods and services QR code
  • Anything prohibited by PayPal’s Acceptable Use Policy
  • Payments made using PayPal Payouts (formerly Mass Pay)
  • Personal Payments including payments sent using PayPal’s friends and family functionality
  • Payments that you have not sent using your PayPal account
  • Items intended for resale, including single item transactions or transactions that include multiple items.

 

Transaction eligibility for PayPal’s Purchase Protection program

To be eligible for PayPal Purchase Protection you must meet all of the following requirements:

  • Have a PayPal account in good standing.
  • Pay for the eligible item from your PayPal account.
  • Attempt to contact the seller to resolve your issue directly before filing a claim through the Resolution Center.
  • Respond to PayPal’s request for documentation and other information within the time requested.
  • Open a dispute in the Resolution Center within 180 days of the date you sent the payment and follow our online dispute resolution process.
  • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source.

 

Our online dispute resolution process

If you’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Center to pursue a claim under our Purchase Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller’s PayPal account until the dispute is resolved or closed.

Step 2: Escalate the dispute to a claim for reimbursement within 20 days after opening the dispute, if you and the seller are unable to come to an agreement, or we will automatically close the dispute. You can escalate the dispute to a claim for reimbursement through the Resolution Center. The seller or PayPal may also escalate the dispute to a claim at this point. PayPal may ask you to wait at least 7 days from the transaction date to escalate the dispute.

Step 3: Respond to PayPal’s requests for documentation or other information, after you, the seller or PayPal escalates your dispute to a claim for reimbursement. PayPal may require you to provide receipts, third-party evaluations, police reports or other documents that PayPal specifies. You must respond to these requests in a timely manner as requested in our correspondence with you.

Step 4: Comply with PayPal’s shipping requests in a timely manner, if you’re filing a Significantly Not as Described claim. PayPal may require you, at your expense, to ship the item back to the seller, to PayPal or to a third party (which will be specified by PayPal) and to provide proof of delivery.

Proof of delivery means:

  • For transactions that total less than $750 U.S. dollars (or the currency threshold in the table below), confirmation that can be viewed online and includes the delivery address showing at least city/state or zip code, delivery date, and the identity of the shipping company you used.
  • For transactions that total $750 U.S. dollars (or the currency threshold in the table below) or more, you must provide signature confirmation of delivery. If the transaction is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 U.S. dollars at the PayPal exchange rate that applies at the time the transaction is processed.

Australian Dollar:

850 AUD

New Zealand Dollar:

950 NZD

Brazilian Real:

1,750 BRL

Norwegian Krone:

4,600 NOK

Canadian Dollar:

850 CAD

Philippine Peso:

34,000 PHP

Czech Koruna:

15,000 CZK

Polish Zloty:

2,300 PLN

Danish Krone:

4,100 DKK

Russian Ruble:

48,000 RUB

Euro:

550 EUR

Singapore Dollar:

950 SGD

Hong Kong Dollar:

6,000 HKD

Swedish Krona:

4,950 SEK

Hungarian Forint:

170,000 HUF

Swiss Franc:

700 CHF

Israeli Shekel:

2,700 ILS

Taiwan New Dollar:

23,000 TWD

Japanese Yen:

77,000 JPY

Thai Baht:

24,500 THB

Malaysian Ringgit:

3,100 MYR

U.K. Pounds Sterling:

450 GBP

Mexican Peso:

10,000 MXN

U.S. Dollar:

750 USD

Step 5: PayPal will make a final decision (including automatically closing any dispute or claim), in its sole discretion, based on the eligibility requirements set forth above, any additional information provided during the online dispute resolution process or any other information PayPal deems relevant and appropriate under the circumstances.

 

Dispute with us or your card issuer

If you used a debit or credit card as the payment method for a transaction through your PayPal account and you are dissatisfied with the transaction, you may be entitled to dispute the transaction with your card issuer. Applicable card chargeback rights may be broader than those available to you under PayPal’s Purchase Protection program. For example, if you dispute a transaction with your card issuer, you may be able to recover amounts you paid for unsatisfactory items even if they don’t qualify for protection under a Significantly Not as Described claim with us.

You must choose whether to pursue a dispute with PayPal under our Purchase Protection program, or to pursue the dispute with your card issuer. You can’t do both at the same time or seek a double recovery. If you pursue a dispute/claim with us and you also pursue a dispute for the same transaction with your card issuer, we’ll close your dispute/claim with us. This won’t affect the dispute process with your card issuer. In addition, if you pursue a dispute with your card issuer, you cannot pursue a dispute/claim with us later.

If you choose to dispute a transaction with PayPal and we decide against you, you can seek to pursue the dispute with your card issuer later. If PayPal does not make a final decision on your claim until after your card issuer’s deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or your card issuer).

Before contacting your card issuer or filing a dispute with PayPal, you should contact the seller to attempt to resolve your issue in accordance with the seller’s return policy.

Selling and Accepting Payments

Accepting Payments

Receiving payments

If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must:

  • Pay any applicable fees for receiving the funds.
  • Not ask your buyer to send you money using the “send money to a friend or family member.” If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members.

By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement.

 

Receiving donation payments

If you use your PayPal account to accept donations, including using the Generosity Network, the Donate Button, or PayPal Checkout for Donations, you must:

  • Pay any applicable fees for receiving the funds.
  • Not use Generosity Network, the Donate Button, PayPal Checkout for Donations, or any other donation services for the sale of goods and services. If you do so, PayPal may remove your PayPal account's ability to use those services or otherwise receive donations.

 

No surcharges

You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. 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.

 

Presentation of PayPal and Venmo

You must treat PayPal and/or Venmo payment methods or marks at least on par with any other payment methods or marks offered or displayed at your points of sale where PayPal or Venmo branded services are integrated, including your websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal or Venmo services or marks.

In representations to your customers or in public communications, you must not mischaracterize any PayPal or Venmo services or exhibit a preference for other payment methods over PayPal or Venmo services. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or Venmo services or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal or Venmo, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising, and other customer communications) you agree to display the PayPal or Venmo services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.

 

Taxes and information reporting

Our fees do not include any taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”). It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction.

You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. For example, PayPal is required to report to the Internal Revenue Service the total amount of payments for goods and services you receive each calendar year into all of your PayPal accounts associated with the same tax identification number if you receive more than $20,000 in payments for good and services and process more than 200 transactions involving goods or services through those PayPal accounts in the same calendar year.

 

Your customer service information, refunds and returns policy, and privacy policy

You must publish customer service information with clear instructions on how your customers can contact you. Such instructions must include at least: (1) one active customer service email address or active customer service URL to file tickets for assistance and/or (2) one active customer service telephone number. Such information must be readily accessible for review by your customers.

You must publish a refunds and returns policy.

You must publish a privacy policy, where required by law.

 

Payment review

PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal’s Seller Protection program if they meet PayPal’s Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account.

 

In-store payments and QR code transactions

If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer’s account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased.

If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. 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.

 

Marketplace sellers

If you’re 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 marketplace’s or the third-party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

 

PayPal Giving Fund

If you are a charity and hold a PayPal account, you may be eligible to participate in PayPal Giving Fund programs. PayPal Giving Fund is a Donor Advised Fund (DAF) recognized by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Code as a tax-exempt public charity (Federal Tax ID: 45-0931286). If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a “Public Charity” under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. You will receive an email from us confirming your enrollment. Your relationship with PayPal Giving Fund will be governed by the Nonprofit User Agreement, including receiving email communications from PayPal Giving Fund about its current and future partners about its programs. You can opt out of email communications at any time in your PayPal Giving Fund profile. If you don’t want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us. For more information, please see PayPal Giving Fund’s Policies.

 

Card not present transactions

Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

 

Accepting preauthorized payments

As a seller, you can accept payments from a buyer’s account through preauthorized transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "pre-approved payment" or "automatic payment".

Get each buyer’s prior authorization for the amount, frequency, and duration of any such payment.

Restart future payments without the buyer’s written authorization, if a buyer has stopped or canceled a preauthorized payment.

Provide a simple and easily accessible online cancelation procedure, if buyers sign up for preauthorized payments online.

Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment.

Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer’s option) any payment that is in an amount that falls outside of the pre-determined range.

Transaction Fees for Online and In-Store Payments

Your PayPal transaction fees depend on:

  • the country of the buyer’s account or the currency of their card;
  • whether you are registered as a charitable organization and have active 501(c)(3) status. Your 501(c)(3) status must be documented with PayPal to receive the rates applicable to charitable organizations, and those rates will apply only after you document your status with us.

 

Standard transaction fees

The fees you pay when selling goods or services or receiving donations, and the buyer pays using their PayPal account (or using another authorized wallet), can be found on the Standard Transaction Fees table, with the fees applicable to charitable organizations founds on the Standard Transaction Fees for Charitable Organizations table for the charitable fees. Please note that:

  • We may revise the fees applicable to future transactions that you process using PayPal, subject to the applicable notice requirements set forth herein.
  • If you accept payments using a PayPal product (like PayPal Here or PayPal Payments Pro), the fees applicable to those products will apply to your transactions.

 

Micropayments

You may apply to receive Micropayments pricing for certain lower value transactions processed through your PayPal account for the sale of goods and services.

  • If your PayPal account has been approved for Dynamic Micropayments (also known as Dynamic Pricing), then PayPal will automatically apply either the Micropayments rate or the applicable higher value transaction rate to each transaction processed through your account based on whichever rate results in the lowest fees to you for that transaction.
  • If your PayPal account has previously been approved for Static Micropayments, then all such transactions processed through your account will receive the Micropayments rate, regardless of the transaction amount. If you have multiple PayPal accounts, but only some of them have been approved for Static Micropayments, then you are responsible for routing your transactions through the appropriate account to receive the desired pricing. Once a transaction is processed, PayPal will have no responsibility to re-route the transaction through a different account or apply different pricing. PayPal may, at its sole discretion, unilaterally convert your account from a Static Micropayments setup to the Dynamic Micropayments setup. PayPal has no obligation to offer the Static Micropayments setup as an alternative to the Dynamic Micropayments setup.

Not all payment types are eligible for Micropayments pricing.

 

PayPal Payouts

If you are using PayPal Payouts (formerly Mass Pay), the PayPal Payouts Terms and Conditions will apply.

 

Your responsibility to notify PayPal of pricing or fee errors

Once you have access to any account statement(s) or other account activity information made available to you by PayPal with respect to your business account(s), you will have sixty (60) days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal. If you do not notify PayPal within such timeframe, you accept such information as accurate, and PayPal shall have no obligation to make any corrections, unless otherwise required by applicable law. For the purposes of this provision, such pricing or fee errors or discrepancies are different than Unauthorized Transactions and other electronic transferErrors which are each subject to different notification timeframes as set forth in this user agreement.

Refunds, Reversals and Chargebacks

General information

If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable chargeback fee or Dispute fee). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. If a currency conversion is necessary (for example if the balance in your Balance Account or your business PayPal account for a particular currency is insufficient to cover the amount of a refund or reversal, or if the buyer paid in a different currency), PayPal will perform a currency conversion in order to refund or reverse the transaction. PayPal’s transaction exchange rate (including our currency conversion spread) at the time the refund or reversal is processed will be used.

If you refund a transaction, we’ll retain the fees you paid as set out on our Fees page.

 

Payments that are invalidated and reversed

Payments to you may be invalidated and reversed by PayPal if:

  • 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.
  • You lose a Venmo Protected Purchase Program claim.
  • Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal’s Seller Protection program. The card issuer, not PayPal, determines whether a buyer is successful when they pursue a chargeback related to a card-funded transaction.
  • You do not fulfill the transaction as promised or you cannot provide proof of shipment or proof of delivery when required.
  • eBay decides against you under its money back guarantee program (and you haven’t opted out).
  • Our investigation of a bank reversal made by a buyer or the buyer’s bank finds that the transaction was fraudulent.
  • PayPal sent the payment to you in error.
  • The payment was unauthorized
  • You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.

When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason. If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the PayPal transaction exchange rate (including our currency conversion spread) that applies at the time the refund or reversal is processed. If the balance in your Balance Account or business PayPal account doesn’t cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. If the payment methods linked to your PayPal account don’t cover the amount due, this will result in a negative balance. A negative balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your balance to resolve it. If you don’t, PayPal may:

 

Dispute fees

PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal Guest Checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided.

The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio 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. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank.

If your dispute 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. Otherwise, you will be charged the Standard Dispute fee for each dispute.

You will not be charged a Standard Dispute fee for disputes that are:

  • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal.
  • Resolved directly between you and the buyer and not escalated to a claim with PayPal.
  • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
  • Eligible for PayPal’s Seller Protection program.
  • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee.
  • Decided in your favor by PayPal or your issuer.

You will not be charged a High Volume Dispute fee for disputes that are:

  • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal.
  • Resolved directly between you and the buyer and not escalated to a claim with PayPal.
  • Filed by the buyer directly with PayPal as an Unauthorized Transaction.

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.

Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio.

 

Chargeback fees

For transactions that are not processed either through a buyer’s PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.

The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee tableand will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback feetable, the fee charged will be in your primary holding currency.

 

Impact of various purchase protection processes on sellers

You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement.

If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program:

  • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may not receive the item back.
  • The Purchase Protection claim will only be considered fully resolved if:
    • the refund to a buyer is processed through PayPal or Venmo, as applicable, or
    • you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided.
  • You will not receive a refund of the PayPal fees that you paid in connection with the sale.
  • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.
  • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your Balance Account or business PayPal account is insufficient to cover the amount, we may:

  • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or
  • create a negative balance in your PayPal account.

PayPal’s Seller Protection Program

What’s eligible

If you sell a good or service to a buyer, you may be eligible for PayPal’s Seller Protection program. When it applies, PayPal’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal’s Seller Protection program. By accessing the Transaction Details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program.

PayPal’s Seller Protection program may apply when a buyer claims that:

  • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by Paypal; or
  • They didn’t receive the item from you (referred to as an “Item Not Received” claim).

PayPal’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank.

This section describes PayPal’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various purchase protection processes on sellers.

 

Basic requirements

To be eligible for PayPal’s Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements:

  • The primary address for your PayPal account must be in the United States.
  • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal’s Seller Protection program so long as the buyer paid for the transaction in person by using a PayPal goods and services QR code.
  • You must ship the item to the shipping address on the Transaction Details page in your PayPal account for the transaction. If you originally ship the item to the recipient’s shipping address on the Transaction Details page but the item is later redirected to a different address, you will not be eligible for PayPal’s Seller Protection program. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.
  • The shipping requirement does not apply to eligible transactions involving items that you deliver in person; provided, however, that you agree to provide us with alternative evidence of delivery or such additional documentation or information relating to the transaction that we may request.
  • You must respond to PayPal’s requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal’s Seller Protection program.
  • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.
  • You provide us with valid proof of shipment or delivery.
  • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal’s Seller Protection program on the Transaction Details page.
  • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program.

PayPal determines, in its sole discretion, whether your claim is eligible for PayPal’s Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances.

 

Item Not Received additional requirements

To be eligible for PayPal’s Seller Protection program for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below:

  • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page.
  • You must provide proof of delivery as described below.

 

Intangible Goods additional requirements

For the sale of intangible goods and services to be eligible for PayPal’s Seller Protection program, the sale must meet the basic requirements and the following additional requirements:

  • Integration requirements
    • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or
    • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration.
    • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed.
  • PayPal has marked the intangible good transaction as “eligible” in the Transaction Details page or otherwise provided notice to you of eligibility in writing.
  • Delivered the item and provide Proof of shipment or delivery for Intangible Goods.
  • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 U.S. dollars at the PayPal exchange rate that applies at the time the transaction is processed.

 

Establishing proof of delivery or proof of shipment

Online or physical documentation from a shipping company that includes:

  • Date of shipment
  • An address for the recipient that matches the shipping address on the Transaction Details page
  • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).

Online or physical documentation from a shipping company that includes:

  • Date of delivery and ‘delivered’ status
  • An address for the recipient that matches the shipping address on the Transaction Details page
  • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).
  • Signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount (based on the currency of the payment) listed in the signature confirmation threshold table Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for.

IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied.

For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:

  • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or
  • Received or accessed by the recipient.

For 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.

Australian Dollar:

850 AUD

New Zealand Dollar:

950 NZD

Brazilian Real:

1,750 BRL

Norwegian Krone:

4,600 NOK

Canadian Dollar:

850 CAD

Philippine Peso:

34,000 PHP

Czech Koruna:

15,000 CZK

Polish Zloty:

2,300 PLN

Danish Krone:

4,100 DKK

Russian Ruble:

48,000 RUB

Euro:

550 EUR

Singapore Dollar:

950 SGD

Hong Kong Dollar:

6,000 HKD

Swedish Krona:

4,950 SEK

Hungarian Forint:

170,000 HUF

Swiss Franc:

700 CHF

Israeli Shekel:

2,700 ILS

Taiwan New Dollar:

23,000 TWD

Japanese Yen:

77,000 JPY

Thai Baht:

24,500 THB

Malaysian Ringgit:

3,100 MYR

U.K. Pounds Sterling:

450 GBP

Mexican Peso:

10,000 MXN

U.S. Dollar:

750 USD

 

Ineligible items and transactions

The following items or transactions are not eligible for PayPal’s Seller Protection program:

  • Real estate, including residential property
  • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards
  • Businesses (buying or investing in a business)
  • Industrial machinery used in manufacturing
  • Payments equivalent to cash, including stored value items such as gift cards and pre-paid cards
  • Payments made in respect of gold (whether in physical form or in exchange-traded form)
  • Financial products or investments of any kind
  • Gambling, gaming, and/or any other activities with an entry fee and a prize
  • Donations, including payments received as crowdfunding or crowdlending
  • Payments to a state-run body (except for state-owned enterprises), a government agency, or to third-party collecting payment on behalf of a state-run body or government agency
  • Payments to any bill payment service
  • Items where the buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a Significantly Not as Described claim)
  • Physical, tangible items delivered in person, including in connection with a payment made in your physical store, unless the buyer paid for the transaction in person using PayPal’s goods and services QR code
  • Anything PayPal determines, in its sole discretion, is prohibited by this user agreement or PayPal’s Acceptable Use Policy, even if the transaction is initially marked as “eligible” or “partially eligible” on the Transaction Details page
  • Payments made using PayPal Payouts (formerly Mass Pay)
  • Personal payments including a payment sent using PayPal’s friends and family functionality
  • Payments not processed through a buyer’s PayPal account, unless you receive PayPal Guest Checkout transactions and your business account is registered in the United States, the United Kingdom, Germany, Canada, Brazil, or Mexico
  • Items sent after PayPal advised you not to release the item
  • Travel tickets sold by a travel carrier where (1) the buyer claims (either with us or their financial institution) that it was an Unauthorized Transaction, and (2) such claim was filed more than 24 hours before the travel date.

PayPal Advertising Program

The PayPal Advertising Program enables you to promote PayPal services, including PayPal’s pay later offers, through PayPal-hosted banners and buttons on your websites or in your customer emails. PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time.

Comply with all integration requirements provided by PayPal or each authorized third party, including those with respect to accurate presentation of all PayPal related information.Modify any PayPal content or its presentation in any way.
Only use the code for PayPal content as provided by PayPal.Copy PayPal content from other websites.
Use the PayPal content in its entirety with all the links and language provided by PayPal and without modification by you.Create, display or host your own PayPal content, unless authorized by PayPal in writing.
Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third-party provider to do so, if you stop using a qualifying PayPal payments solution.Post PayPal content on social media networks or platforms or anywhere else, unless authorized by PayPal in writing.
Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the code to facilitate future updates.Display any non-current PayPal content.
Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self-regulatory bodies including but not limited to the digital advertising standards issued by the Network Advertising Initiative.

If you promote the use of PayPal’s pay later offers on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. If you receive customer inquiries relating to:

  • PayPal Credit, then you must direct the customer to PayPal Credit Customer Service at (844) 373-4961.
  • PayPal, then you must direct the customer to PayPal Customer Service.

You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you fail to follow these rules, we may limit or close your PayPal account.

Restricted Activities, Holds, and Liquidated Damages

Restricted Activities

In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not:

  • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), the PayPal Balance Terms and Conditions (if it applies to you), or any other agreement between you and PayPal;
  • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising);
  • Infringe PayPal’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
  • Sell counterfeit goods;
  • Act in a manner that is defamatory, trade libelous, threatening or harassing;
  • Provide false, inaccurate or misleading information;
  • Send or receive what we reasonably believe to be potentially fraudulent funds;
  • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
  • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction;
  • Control an account that is linked to another account that has engaged in any of these restricted activities;
  • Conduct your business or use the PayPal services in a manner that results in or may result in;
    • complaints;
    • requests by buyers (either filed with us or card issuers) to invalidate payments made to you;
    • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you;
  • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;
  • Allow your PayPal account to have a negative balance;
  • Provide yourself a cash advance from your credit card (or help others to do so);
  • Access the PayPal services from a country that is not included on PayPal’s permitted countries list;
  • 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;
  • 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;
  • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers;
  • Use the PayPal services to test credit card behaviors;
  • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account; or
  • Harass and/or threaten our employees, agents, or other users.

Actions We May Take if You Engage in Any Restricted Activities

If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:

  • Terminate this user agreement, limit your PayPal account (and any linked Balance Account), and/or close or suspend your PayPal account (and any linked Balance Account), immediately and without penalty to us;
  • Refuse to provide the PayPal services to you in the future;
  • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals;
  • Hold the balance in your Balance Account, the balance in your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account, for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy;
  • Suspend your eligibility for PayPal’s Purchase Protection program and/or PayPal’s 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;
  • Take legal action against you;
  • If you’ve violated our Acceptable Use Policy, then you’re also responsible for damages to PayPal caused by your violation of this policy; or
  • 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 acknowledge and agree that $2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal’s actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing balance in any PayPal account you control.

If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Balance Account linked to your personal PayPal account or in the balance of your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account, available for withdrawal.

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services.

Holds, Limitations, and Reserves

What are holds, limitations and reserves

Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve.

Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. You agree that we have no obligation to disclose the details of our risk management or security procedures to you.

In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion.

 

Holds

A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include:

  • New sellers or sellers who have limited selling activity.
  • Payments for higher-risk categories like electronics or tickets.
  • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Holds based on PayPal’s risk decisions

We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold.

Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days).

Holds related to Marketplace transactions

If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third party directly.

Holds based on disputed transactions

If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account.

 

Account Limitations

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. Limitations also help us collect information necessary for keeping your PayPal account open.

There are several reasons why your PayPal account could be limited, including:

  • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity.
  • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorized transfers between your PayPal account and your bank account.
  • In order to comply with applicable law.
  • If we believe in our sole discretion that you have breached this agreement or violated the Acceptable Use Policy.
  • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, or if your typical sales volume increases rapidly.

Unless a permanent limitation is placed on your account, you will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

 

Reserves placed on business PayPal accounts

We may place a reserve on your business PayPal account at any time if we believe there may be a high level of risk associated with you, your business PayPal account, your business model, or your transactions. When we place a reserve on your business PayPal account, it means that all or some portion of the money in your business 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 business PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties.

PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including:

  • How long you have been in business.
  • Whether your industry has a higher likelihood of chargebacks.
  • Your payment processing history with PayPal and other providers.
  • Your business and/or personal credit history.
  • Your delivery time frames.
  • Whether you have higher than average number of returns, chargebacks, claims or disputes.

There are two types of reserves that may be placed on your business PayPal account, and one or both may be applied at the same time:

  • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve.
  • A Minimum reserve is a specific minimum amount of money that you’re required to keep available in the balance of your business PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve.

If we place a reserve on funds in your account, the funds will be shown as "pending" and we’ll notify you of the terms of the reserve.
If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you of the new terms.

Court Orders, Regulatory Requirements or Other Legal Process

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. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days.

Liability for Unauthorized Transactions and Other Errors

Protection from Unauthorized Transactions

To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.

PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.

 

What is an Unauthorized Transaction

An “Unauthorized Transaction” occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred.

 

What is not considered an Unauthorized Transaction

The following are NOT considered Unauthorized Transactions:

  • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation.
  • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks.

 

Reporting an Unauthorized Transaction

If you believe your PayPal login information has been lost or stolen, please contact PayPal customer service immediately or call: (888) 221-1161 or write: PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.

Tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. You could lose all the money in your PayPal account. If you tell us within 60 days after we provide you your PayPal account statement showing transfers you did not make, you will be eligible for 100% protection for Unauthorized Transactions.

Also, if your PayPal account statement shows transfers that you did not make, including those made with your PayPal login information or by other means, tell us at once. If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

Error Resolution

What is an Error

An “Error” means the following:

  • 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.
  • You send a payment and the incorrect amount is debited from your PayPal account.
  • An incorrect amount is credited to your PayPal account.
  • A transaction is missing from or not properly identified in your PayPal account statement.
  • We make a computational or mathematical error related to your PayPal account.
  • You request receipt or periodic statement documents that PayPal is required to provide to you.
  • You request information concerning preauthorized (recurring) transfers to your PayPal account that PayPal is required to provide to you.
  • You request additional information or clarification concerning a transfer to or from your PayPal account, including a request you make to determine whether an error has occurred.
  • You inquire about the status of a pending transfer to or from your PayPal account.
  • You request documentation or other information, unless the request is for a duplicate copy for tax or other record-keeping purposes.

 

What is not considered an Error

The following are NOT considered Errors:

  • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation.
  • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks.
  • Routine inquiries about the balance in your Balance Account or business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account.
  • Requests for duplicate documentation or other information for tax or other recordkeeping purposes.

 

In case of Errors or questions about your electronic transfers

Telephone us at (888) 221-1161, contact us through the PayPal Resolution Center; or write us at PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.

Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your PayPal account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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.

For errors involving new PayPal accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayPal accounts, we may take up to 20 Business Days to credit your PayPal account for the amount you think is in error.

We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Processing Errors

We will rectify any processing error that we discover. If the error results in:

  • You receiving less than the correct amount to which you were entitled, then we will credit your PayPal account for the difference between what you should have received and what you actually received.
  • You receiving more than the correct amount to which you were entitled, then we will debit your PayPal account for the difference between what you actually received and what you should have received.
  • Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless:
    • through no fault of ours, you did not have enough available funds to complete the transaction;
    • our system was not working properly and you knew about the breakdown when you started the transaction; or
    • the error was due to extraordinary circumstances outside our control (such as fire, flood or loss of Internet connection), despite our reasonable precautions.

Processing errors are not:

  • Delays that result from PayPal applying holds, limitations or reserves.
  • Delays based on a payment review.
  • Delays described under How to buy something related to the time it may take for a purchase transaction to be completed in some situations.
  • Your errors in making a transaction (for example, mistyping an amount of money that you are sending).

Remittance Transfer Errors

What is a Remittance Transfer

You may be protected for certain errors when you send money using a PayPal account outside of the U.S. A “Remittance Transfer” is a transaction that meets the following criteria:

  • The payment is sent from a personal PayPal account that is used primarily for personal, family or household purposes,
  • The payment is made for personal, family or household purposes,
  • The payment is made using the send money feature through your PayPal account,
  • The payment amount equals or exceeds $15 U.S dollars (excluding fees charged to you) or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and
  • The recipient of the payment has a PayPal account in a country outside the U.S.

Payments that you make at a merchant website or location by selecting PayPal as a payment option are not “Remittance Transfers.”

 

What qualifies as a Remittance Transfer Error

A “Remittance Transfer Error” occurs if:

  • You paid an incorrect amount to send the Remittance Transfer. For example, you were charged more than the total shown on the remittance transfer receipt you received (unless the total shown on the receipt was an estimate, and the difference results from application of the actual exchange rate, fees, and taxes).
  • PayPal made a computational or bookkeeping error, such as a miscalculation of the amount the recipient received.
  • The amount stated in the remittance transfer receipt was not made available to the recipient, unless:
    • we stated in the remittance transfer receipt that we used estimates and the difference in the amount received and the amount stated in the remittance transfer receipt results from application of the actual exchange rate, fees, and taxes, or
    • the problem was caused by extraordinary circumstances outside our control.
  • Funds were available to the recipient later than the date of availability that was disclosed to you on the remittance transfer receipt or were not delivered, unless:
    • extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances,
    • delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Controls or similar requirements, or
    • you (or someone assisting you) made the transfer with fraudulent intent.
  • You request documentation or information concerning the Remittance Transfer, such as information required to determine if a Remittance Transfer Error occurred.

 

What is not considered a Remittance Transfer Error

The following are NOT considered Remittance Transfer Errors:

  • An inquiry about the status of a Remittance Transfer, except where the funds from the transfer were not made available to a designated recipient by the disclosed date of availability,
  • A request for information for tax or other recordkeeping purposes,
  • A change requested by the designated recipient, or
  • A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure.

 

What to do if you think there has been a Remittance Transfer Error or problem

If you think there has been a Remittance Transfer Error or problem with your Remittance Transfer:

  • Call us at: (888) 221-1161.
  • Write us at: PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.
  • Log in to your PayPal account at paypal.com and go to the Resolution Center and dispute a transaction.

You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

  • Your name, address and telephone number,
  • The error or problem with the transfer, and why you believe it is an error or problem,
  • The name of the person receiving the funds, and if you know it, his or her telephone number or address,
  • The dollar amount of the transfer, and
  • The confirmation code or number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.

Other Legal Terms

Communications Between You and Us

If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal. You can decline to receive autodialed or prerecorded message calls or texts to your mobile phone number by updating your preferences in your PayPal account settings at www.paypal.com, by contacting customer support, by calling us at 1-844-629-9108, or by replying STOP to a message. The frequency of messages may vary, and standard telephone minute and text charges may apply. Neither we nor your phone carriers are liable for delayed or undelivered messages.

PayPal may communicate with you about your PayPal account and the PayPal services electronically as described in our Electronic Communications Delivery Policy. You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it’s delivered by mail, 3 Business Days after we send it.

Unless you’re communicating with us about a matter where we’ve specified another notice address (for example, our Liability for Unauthorized Transactions and Other Errors process), written notices to PayPal must be sent by postal mail to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131.

You understand and agree that, to the extent permitted by law, PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with PayPal may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by PayPal, and PayPal does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

PayPal’s Rights

PayPal suspension and termination rights

PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.

 

Security interest

As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account.

 

Amounts owed to PayPal

If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account(s), including a Balance Account. 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.

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 balance by using funds you maintain in a different currency. If you have a negative balance in non-U.S. dollars for a period of 21 days or longer, PayPal will convert this negative balance to U.S. dollars. In either case, a currency conversion will be necessary, and PayPal’s transaction exchange rate (including our currency conversion spread) will be used.

In addition to the above, if you have a past due amount owed to us, our affiliates, or eBay, PayPal may debit your PayPal account to pay any amounts that are past due. This includes amounts owed by using our various products such as Venmo, Xoom or Braintree.

 

Insolvency proceedings

If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, we’ll be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this user agreement.

 

Assumption of rights

If PayPal invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), you agree that PayPal assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in PayPal’s discretion.

 

No waiver

Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.

Indemnification and Limitation of Liability

In this section, we use the term “PayPal” to refer to PayPal, Inc., our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.

 

Indemnification

You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access 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 on your behalf.

 

Limitation of liability

PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with 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 this user agreement (however arising, including negligence), unless and to the extent prohibited by law.

Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages.

Disclaimer of Warranty and Release

No warranty

The PayPal services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.

 

Release of PayPal

If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

Agreement to Arbitrate

You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:

  • Affects your rights and will impact how claims you and we have against each other are resolved.
  • Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us.
  • Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice and the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time.

If a dispute arises between you and PayPal, acting as either a buyer or a seller, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the PayPal Help Center at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT.

Our Agreement

You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.

Prohibition of Class and Representative Actions and Non-Individualized Relief

You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect other PayPal customers.

Arbitration Procedures

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator(s) can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of this user agreement as a court would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, shall be for a court of competent jurisdiction to decide.

The arbitration will be conducted by the American Arbitration Association (referred to as the "AAA") under its rules and procedures, as modified by this Agreement to Arbitrate. For all claims in which the value of the relief sought is $10,000 or less, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. For all other claims, the AAA’s rules, including, as applicable, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. The AAA’s rules are available at www.adr.org. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court.

A party who intends to seek arbitration must first send the other party, by certified mail, a completed Notice of Dispute. You should send this notice to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including the email address and phone number associated with your PayPal account, a description of the nature and basis of the claims you are asserting, and the specific relief sought.

If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by PayPal, you or PayPal may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the AAA’s website at www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or PayPal may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and PayPal subject to the discretion of the arbitrator(s) to require an in-person hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer made by you or PayPal shall not be disclosed to the arbitrator(s).

The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator(s) shall not be bound by rulings in prior arbitrations involving different PayPal customers, but is/are bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. The award of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Costs of Arbitration

Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator(s) determine the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse PayPal for all fees associated with the arbitration paid by PayPal on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

Severability

With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.

Opt-Out Procedure

If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, 2211 North First Street, San Jose, CA 95131.

For your convenience, we are providing an opt-out notice form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.

Future Amendments to this Agreement to Arbitrate

Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your PayPal account within the 30-day period and you will not be bound by the amended terms.

Intellectual Property

PayPal’s trademarks

"PayPal.com," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal’s licensors. You may not copy, imitate, modify or use them without PayPal’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal’s sponsorship or endorsement. 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.

 

License grants, generally

If you are using PayPal software such as an API, developer’s toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal’s software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. While PayPal may have (1) integrated certain third-party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third-party materials and technology to facilitate providing you with the PayPal Services, you have not been granted and do not otherwise retain any rights in or to any such third-party materials. 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. You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third-party materials integrated therein are owned by PayPal’s third-party service providers. Any other third-party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. 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.

 

License grant from you to PayPal; intellectual property warranties

PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal.

 

License grant from sellers to PayPal

Notwithstanding the provisions of the prior paragraph, if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a merchant that accepts a PayPal service as a payment form, and (2) any other use to which you specifically consent.

Miscellaneous

Assignment

You may not transfer or assign any rights or obligations you have under this user agreement without PayPal’s prior written consent. PayPal may transfer or assign this user agreement or any right or obligation under this user agreement at any time.

 

Business Days

“Business Day(s)” means Monday through Friday, excluding holidays when PayPal’s offices are not considered open for business in the U.S. Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington’s Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. If the holiday falls on a Sunday, PayPal observes the holiday on the following Monday.

 

Consumer fraud warning

We’re always looking for ways to help keep you even more secure. So stay on the lookout for some of these common scams:

  • Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be PayPal or coming from PayPal but asks you to send money outside your PayPal account.
  • Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money.
  • Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money in order to claim it.
  • Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation.
  • Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment.

Always use common sense when sending money. If something sounds too good to be true, it probably is. Only send money for yourself and not for others. Remember that if you don’t send the payment through your PayPal account, you’re not covered by PayPal Purchase Protection. Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us.

 

Dormant accounts

If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address (if we have verified the required identifying information that you have provided to us) or, if required, escheat (send) those funds to your state of residency. PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. If your address is unknown or registered in a foreign country, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the State of Delaware. Where required, PayPal will send you a notice prior to escheating any funds in your PayPal account, including any balance in a linked Balance Account. If you fail to respond to this notice, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state’s unclaimed property administrator.

 

Governing law

You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal.

 

Identity authentication

You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include:

  • asking you for further information, such as your date of birth, a taxpayer identification number, your physical address and other information that will allow us to reasonably identify you;
  • requiring you to take steps to confirm ownership of your email address or financial instruments;
  • ordering a credit report from a credit reporting agency, or verifying your information against third-party databases or through other source; or
  • requiring you to provide your driver’s license or other identifying documents.

Anti-money laundering and counter-terrorism financing laws may require that PayPal verify the​ required identifying information if you use certain PayPal services. 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.

 

PayPal is only a payment service provider

We act as a payment service provider only. We do not:

  • Act as an escrow agent with respect to any funds kept in your account;
  • Act as your agent or trustee;
  • Enter into a partnership, joint venture, agency or employment relationship with you;
  • Guarantee the identity of any buyer or seller;
  • Determine if you are liable for any taxes; or
  • Unless otherwise expressly set out in this agreement, collect or pay any taxes that may arise from your use of our services.

 

Privacy

Protecting your privacy is very important to us. Please review our Privacy Statement in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

 

State disclosures

In addition to reporting complaints against PayPal directly to PayPal as described above, if you are a California resident, you may report complaints to the California Department of Business Oversight by mail at Department of Business Oversight, Attn: Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through its website at http://www.dbo.ca.gov/Consumers. The California Department of Business Oversight offers assistance with its complaint form by phone at 866-275-2677. If you are a California resident, you have a right to receive communications about your PayPal account and the PayPal services by email. To make such a request, send a letter to PayPal to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131), include your email address, and your request for that information by email.

Florida residents may contact the Florida Department of Financial Services in writing at 200 East Gaines Street, Tallahassee, Florida, 32399, or by telephone at 1-800-342-2762.

 

Translation of agreement

Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. 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 control.

 

Unlawful internet gambling notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your PayPal account or your relationship with PayPal. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling.

 

Your use (as a seller) of personal data; Data protection laws

If you (as a seller) receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services. You may not disclose or distribute any personal data about PayPal customers to a third party or use such personal data for marketing purposes unless you receive that customer’s express consent to do so. You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties.

Источник: https://www.paypal.com/us/webapps/mpp/ua/useragreement-full

Ever noticed all that coupon fine print on the coupons you use? What it all means, so that you can stay within the law.

I use coupons like money.

cash register clerk looking at fine print on customer's online phone coupon, text overlay "Understanding coupon fine print for beginners"

The more coupons I use, the less money that I have to take from my wallet.

In other words, coupons supplement my income.

Since I'm super into coupons (and a money geek), I decided it was time to talk about what all that coupon fine print means. What does “limit one per household” mean versus “limit one per person”? Do stores lose money when they accept coupons?

How did coupons start?

When I started to research all-things coupon fine print, I got even more fascinated in the subject.

Let me share with you what I've found + have learned from experience!

A Brief History of Coupons

It turns out, coupons have been in use for over 110 years, starting with a handwritten ticket for a free glass of coca-cola in 1894. Over 8 million free glasses were given out during that inaugural coupon campaign!

Dare I say that coca-cola became a mainstream product because of coupons?

Clipping coupons became mainstream in the 1930s with the Great Depression and peaked by 1965 with 50% of households using them.

That's really interesting, considering that a Nielsen study that took place in the midst of the recession (September 3, 2009) found that only 35% of US households use coupons.

And while historically people who needed help with bills used to use coupons and the affluent found them to be below them, the affluent are now the biggest class of coupon users.

How Do Store Coupons Work?

It turns out that stores treat coupons like money as well…because they are.

Large retail chains collect millions of dollars worth of coupons each week and have devised a system to get their reimbursements from the manufacturer, who ultimately pays for the cost of the coupon campaign.

Here's what the process looks like:

  • Typically chain stores will send their coupons via mail to their headquarters after counting up their cash drawers (they include the value of all coupons collected in their count of cash).
  • At headquarters, the coupons remain separated by store, and are shipped to a third party clearinghouse for sorting.
  • The sorted coupons are then sent to the manufacturer with an invoice.
  • The clearinghouse is paid a shipping and handling fee as well as a certain amount of money per coupon for their sorting work.
  • The store is reimbursed the value of the coupon, plus a shipping and handling fee by the manufacturer (typically 8₵).

While researching this, I was amazed at how much processing and handling is involved with redeeming coupons. According to a white paper published in April 2007 by ScanAps,

“Coupons are the only cash instruments that are still counted, processed, settled and cleared manually. From the time a consumer submits a coupon to a cashier in the store, an average of eight pairs of hands physically touch every coupon before it is finally shredded and the retailer is reimbursed.”

I was also shocked at all of the different types of fraud involved at each point of this eight-hand process.

Pssst: Check this article out for my in-depth look at common types of coupon fraud, and individuals/groups that have incurred jail time + penalties for their crimes.

It's estimated that coupon fraud costs businesses, collectively, between $300 and $500 million per year.

Even so, do stores lose money on coupons?

Do Stores Lose Money on Coupons?

Coupon fraud aside, if stores accept coupons, do they lose money?

Let's turn back to the coupon fine print to answer this question.

Look at any coupon, and you'll see similar language to this:

“Retailer: We will pay you the face value plus 8¢ handling for each coupon sent to [address]”.

So, as long as the store accepts coupons according to their terms, then they will still bring in money when people use them on a product.

Coupon Fine Print – Coupon Wording Examples

Have you taken a look at your coupons lately?

There is a lot of fine print on coupons.

Before I put in all the research to find out what some of the nitty gritty means, I used to only look at the date to make sure it was not expired, the face value to see if I can get it doubled or tripled, and the product size to avoid any issues at checkout.

But what about the rest of that fine print?

I did recently and found some very interesting new language included in the fine print section of several coupons. I am not sure when the new print showed up, but as a frequent coupon user I can assure you that these changes have not been around for long. In fact, most of them seem to be in direct response to TLC’s Extreme Couponing show.

Thanks to some sour grapes in the consumer bunch and to the millions in lost sales due to the recession, manufacturers have added substantially to the fine print in coupons.

There is so much legalese on these little pieces of paper now that one must wonder if they are buying a loaf of bread or leasing a car.

The new coupon fine print can be summed up in a few categories:

  • limits on the number of coupons used
  • limits on the number of transactions made
  • prohibiting auctions of coupons
  • prohibiting use of coupons for products you intend to resale
  • limiting cashiers paying you money

1. Limit One Coupon Per Household

You'll see the following language on some coupons now:

“Limit of one coupon per household per day”

This is a usage limit and it means that only one of each type of coupon can be used per household each day (meaning, if you use a $0.35 coupon to purchase Colgate toothpaste on Monday, then your kids/spouse/live-in mother -in-law cannot use the same coupon again until Tuesday).

Basically, it's trying to combat couponers who have several (or 50) of one type of coupon from using them by handing them out to his/her family members who then can do separate transactions.

Speaking of transactions…

Limit of one Coupon Per Purchase: This does not mean per transaction, but per item. In other words, you may use one manufacturer coupon per product. If you have five products and five manufacturer coupons, you can use all five coupons in the same transaction. Please note that you can still use a store coupon in addition to your manufacturer’s coupon for one product.

Void if Copied, Sold, Exchanged, or Transferred: It turns out that there is a lot of fraud with coupon use from consumers, cashiers, stores, and clearinghouses (see below for the role of clearinghouses in all of this). One of the ways that consumers fraudulently use coupons is by scanning them and making copies on glossy paper that look like the originals. This is so prevalent (costing retailers and manufacturers an estimated $300-$500 million per year) because the barcodes on the Sunday paper coupon inserts are generally not unique. Another question with this fine print is whether or not it is legal to sell your coupons on sites such as eBay? See below.

Cash Value: Most coupons state that they have no cash value, or have a cash value of 1/20₵. It is illegal to sell something that has no cash value. So how do people and auction sites such as eBay get around this? Clipping coupons and selling them takes time, and so people actually sell their time as a service rather than sell the actual coupons themselves. EBay coupon auction listings typically include a statement that specifies that the coupons are free and the bidder is paying the seller for the service of procuring, clipping and compiling the coupon sets. Checkout eBay’s policy on selling coupons.

Do Not Double: Most coupons have instructions to not allow the doubling of their coupon. However, if the coupon barcode begins with the number 5, and your store doubles or triples coupons, then your coupon will act accordingly. If the coupon barcode begins with the number 9, then it will not double.

Retailer: The rest of the information on the coupon is directions for the retailer on how to redeem the coupon for reimbursement. This will include an address, the amount of shipping and handling or processing fees they will receive, etc. See below for more information on these terms.

2. What Does Limit of 4 Identical Coupons Mean?

If you see “limit of 4 identical coupons” in your coupon's fine print, then keep reading. You need to know if this means limit of 4 identical coupons per visit, per day, per transaction, per customer, or per person.

Lots of different options here!

3. What Does it Mean to Limit One Coupon Per Purchase?

Per purchase is different from per transaction. A purchase is each product within a transaction. The transaction is everything that is on the receipt you're given in the end.

So, what it means to limit one coupon per purchase is you can use one coupon per product in your entire transaction.

4. Limits on Number of Coupons Used Per Transaction

Your transaction is everything that is on one receipt.

It used to be that you could use one coupon per product per transaction. So if you wanted to purchase five bottles of mustard and use five coupons for mustard, this was legal.

If you have been watching TLC’s Extreme Couponing, you know by now that some people really have taken advantage of this one by either purchasing coupons online or otherwise gathering a large amount of them and then doing something crazy like purchasing an entire shelf of mustard and using 70 coupons in one transaction.

You'll see many coupons, such as P&G coupons, that now have the following coupon fine print:

“Limit of 4 Like Coupons in same shopping trip.”

P&G is not the only company to come out with this language; Colgate coupons now have similar new fine print:

“No more than four (4) coupons for the same product in same transaction.”

Ensure® released a coupon that states,

“Limit 1 coupon per transaction.”

5. Limits on Number of Transactions

The above language will help with the situation, but the obvious legal way around it is to separate your load into separate transactions — most cash register clerks are happy to oblige but it is a hassle for consumers and creates a long line.

Even so, extreme couponers will most likely not be thwarted by this (that’s right; don’t be surprised if you see one person in front of you with ten different transactions in the near future, and it won’t be me!).

In order to counteract this, some coupons are explicitly stating how many transactions per person are allowed with a type of coupon. For example, Scotch-Brite™ issued coupons for $1.00 off sponges with the following fine print:

“You can only redeem one coupon per day.”

Another way to say this same thing that you'll see in coupon fine print is:

“Limit one coupon per visit.”

6. Prohibiting Auctioning of Coupons

Coupons have always stated that they are not to be sold. However, sellers on eBay have gotten around this by stating that they are selling their time (by clipping the coupons for you).

As mentioned previously, eBay even has a policy that allows for the auctioning of coupons (you can only sell up to $100 or 25 valid, unexpired, original coupons per month). I bet there is a lawsuit in the works for this from manufacturers, as eBay clearly states this policy on its website.

In the meantime, coupons are now adding in language about auctions. P&G coupons now state explicitly that the coupon is

“Void if transferred, sold, auctioned, reproduced, or altered from the original.”

7. Prohibiting Use of Coupons on Products Intended for Resale

Have you ever been to a yard sale where the owners seem like they are running a drugstore? Or have you seen the toiletry lots auctioned off on eBay? These are from people who have couponed to get the product at a discount (or free) and then are reselling that product for a profit. P&G’s coupons now expressly prohibit this practice. They state,

“Coupons not authorized if purchasing products for resale.”

8. Limiting Cashiers Paying You

It is rare but entirely possible to have a cashier actually pay you money after you “purchase” a product. This occurs when the transaction total is negative due to sales and coupons (I have had this happen to me perhaps two times). It is called “overage” and typically gets absorbed from other products you have in your transaction (for example, if you have overage of $0.15 from purchasing a bottle of mustard, but you also are purchasing bread, than $0.15 will come off of the price of the bread). While this may sound like a scam in and of itself, it makes sense because the retailer will be reimbursed for the face value of the redeemed coupon (plus a shipping and handling fee of typically 8₵). If they don’t refund you the overage, then they are scamming the system.

Scotch-Brite’s ™ coupon now expressly prohibits this. It states,

“if a product costs less than face value of coupon, consumer is not entitled to any money back.”

Funny Coupon Fine Print

Did anyone else get sick and tired of hearing about all the sales and clearances during the Recession?

I never thought that statement would come out of my mouth, much less from my keyboard, but sales and clearances are being overdone. Most stores began using these on a daily basis, and so they've kind of lost their glamor.

I am under the impression that merchandise and services cannot be “on sale” or “on clearance” all the time, so it leads me to the conclusion that prices are being artificially inflated to begin with so that a respectable percentage can be taken off during the sales campaign and the consumer feels as though they are getting a good deal.

This practice has obviously been around before, but it seems to be everywhere since the beginning of the last Recession.

“Sale” and “Clearance” are used so much that unless you are having one of these, you can’t even compete among consumers — these words have become a cost of entry to the marketplace.

Since products and services cannot possibly be on sale or on clearance all the time, stores are finding ways to use these buzz words to attract consumers, but restrict their profit losses by adding in robust fine print language (check out other supermarket tricks for how to get consumers into their stores, and spending more money).

Not only that, but some funny coupon fine print — that is super restrictive and kind of ridiculous — came out of this time period as well that I'd like to share with you.

  • Macy’s Exclusions on 15% Off Sale: Macy’s has had more “one day” sales in the last few years than I care to count! Even though they seem to be quite generous with their sales, they are notorious for excessive exclusions. In this coupon from 2011, they're offering 15% off select departments…and honestly I don’t know which departments are left after this list of exclusions. From their website, this sale “EXCLUDES: 7 For All Mankind, Asics, Birkenstock, Born, CWX, Coach, Converse, Chantelle, Donatella, Ed Hardy, Emporio Armani, FitFlops, Goddess, Joe’s Jeans, Lacoste, Levi’s®, Minnetonka Moccasin, Nike footwear, Puma footwear, Reebok footwear, Skechers Shape-ups, Sofft, The North Face, Tretorn, Va Bien, baby gear, kids’ shoes, toys, cosmetics & fragrances, sunglasses, Sunglass Hut, select fashion jewelry & watches, gift cards. FOR HER: bridge & designer handbags, B.Tempt’d, DKNY lingerie, Dolce Vita, Donald Pliner, Felina, Impulse, Jezebel, Lauren by Ralph Lauren, Le Mystere, Lunaire, MICHAEL Michael Kors, Naturalizer, Not Your Daughter’s Jeans, Sperry Top-Sider, Wacoal. FOR HIM: Armani jeans, Cole Haan, Dockers®, Ecco shoes, Hugo Boss, Johnston & Murphy, Polo Ralph Lauren, Tommy Bahama. FOR THE HOME: All-Clad, J.A. Henckels, Le Creuset, Tempur-Pedic, Tumi, Wusthof, furniture, mattresses, rugs, lamps & lighting, electrics & electronics, regular-priced china, silver & crystal. Savings do not apply to Everyday Values, jewelry specials, Jewelry Super Buys, Specials, web busters™…
  • Shoes.com Sales: I found the following caveat for Shoes.com sales (from a 25% off sale for boots and shoes):  “All discounts, price matches, coupon and promotional codes, including the Friends and Family program, exclude bags, wallets and all regular-priced merchandise from the following brands: Adidas adistar Raven, Adidas Barricade 6.0, Adidas Supernova, Born, Born Crown, Brooks, Clarks England, Dr. Tuxedo, Dyeables, Frye (certain styles**), Hunter, Jonathan Kayne, Keen, Kork-Ease, K-Swiss, Livie & Luca, Liz Rene, Mephisto, Merrell, Minnetonka, Morgan & Milo, Olukai, Reebok Classic, Reebok Princess, Reebok RealFlex, Reebok Zig, Sofft, Softspots, Touch Ups, UGG Australia and Vintage Shoe Co.” On top of this, the following brands are excluded from all promotions: “Belted Harness, Campus, Dakota, Engineer, Harness, Heath, Jane, Jayden, Jesse, Melissa, Paige Tall and Veronica Slouch.” This is a total of 43 brand exclusions from a sale that is supposed to be for all boots and shoes.
  • PetSmart Sale Shipping Exclusions: On January 1, 2011 I was looking on the PetSmart website to price cat products (cat litter, dry food, and wet food). I had a coupon to use, and saw an advertisement from them stating that shipping was $5.99 on orders of $60 or more. I thought I could save myself a trip to the store. However, in the terms and conditions of the deal, it read:  “$5.99 shipping offer excludes purchases of dog food, cat food, cat litter, heavy items, or materials requiring special handling.” Even though I knew I was getting a really good deal with such a low shipping cost on heavy items, I thought it was kind of crazy for the exclusion of what the majority of people go to PetSmart for: cat food, dog food, and heavy pet items (and what is the definition of ‘heavy items’ anyway?). What probably happens is people do not figure this out until they are in checkout, and by then they don’t feel like emptying the cart and finding another website for shipping savings.

It is not likely that “sales” and “clearance” advertisements will end any time soon. After reading all of the exclusions above, I think that stores should start listing what is included in the sale or clearance instead of what is not. If nothing else, the fine print would shrink a bit.

Have you seen any new language lately in your coupon's fine print?

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Amanda L. Grossman is a Certified Financial Education Instructor, Plutus Foundation Grant Recipient, and founder of Frugal Confessions. Over the last 10 years, her money work helping people with how to save money and how to manage money has been featured in Kiplinger, Washington Post, U.S. News & World Report, Business Insider, LifeHacker, Woman's World, Woman's Day, ABC 13 Houston, Keybank, and more. Read more here.

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Источник: https://www.frugalconfessions.com/frugal-living/coupon-fine-print/

PAYPAL USER AGREEMENT

About Your Account

This user agreement will be effective for all users as of September 21, 2021.

Welcome to PayPal!

This user agreement is a contract between you and PayPal, Inc. governing your use of your PayPal account and the PayPal services. It applies to U.S. PayPal accounts only. If you are an individual, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. PayPal account and use the PayPal services. If you are a business, the business must be organized in, operating in, or a resident of, the United States or one of its territories to open a U.S. PayPal account and use the PayPal services.

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). These terms include an agreement to resolve disputes by arbitration on an individual basis. You also agree to comply with each of the other agreements on the Legal Agreements page that apply to you and the following additional policies:

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 revise this agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the Policy Updates page of our website. 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 21 days' advance notice for any changes impacting personal accounts and/or at least 5 days’ advance notice for any changes impacting business accounts. By continuing to use our services after any changes to this user agreement, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account.

Opening a PayPal Account

We offer two types of PayPal accounts: personal PayPal accounts and business PayPal accounts, both covered by this user agreement.

All PayPal accounts let you do things like:

  • Send and receive money.
  • Buy things online, using mobile devices or in stores.
  • Make payments using your credit card, debit card, bank account, or other payment options, including funds held as balance in a business PayPal account (if we have verified the required identifying information you provide to us) or funds held in a PayPal Balance account linked to a personal PayPal account if you choose to open a PayPal Balance account. The terms “PayPal Balance account” or “Balance Account” in this user agreement are used to refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash or a PayPal Cash Plus account, as applicable. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.
  • Accept credit card, debit card, bank account, Balance Account, and other payment methods from others.

You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your PayPal account and the PayPal services. You must keep your mailing address, email address and other contact information current in your PayPal account profile.

 

Personal PayPal accounts

If you primarily need to make purchases and send money to family and friends, a personal PayPal account is probably right for you. With a personal PayPal account you can do things like:

  • Send and request money from friends and family.
  • Buy goods and services.

You can also use a personal PayPal account to receive money for the sale of goods and services and hold that money in a linked Balance Account or transfer it to a linked bank account or debit card if you do not open a Balance Account, but if you plan to use your personal PayPal account primarily to sell things, you should open a business PayPal account. You can also convert your personal PayPal account to a business PayPal account should circumstances change.

 

Business PayPal accounts

We recommend business PayPal accounts for people and organizations that primarily use PayPal to sell goods or services or to receive donations, even if your business is not incorporated. With a business PayPal account, you can do things like:

  • Use a company or business name as the name on your business PayPal account.
  • Allow employees access to some of the features of your business PayPal account.
  • Sign up for PayPal products that meet your business needs.

Business PayPal accounts may be subject to fees that differ from the fees applicable to personal accounts.

By opening up a business PayPal account or converting a personal PayPal account to a business PayPal account, you certify to us that you are using it primarily for a business or commercial purpose. You also consent to PayPal obtaining your personal and/or business credit report from a credit reporting agency at account opening and whenever we reasonably believe there may be an increased level of risk associated with your business PayPal account.

 

Commercial Entity Status

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. In this case, these Commercial Entity Agreements will apply to any payment processed by PayPal on your behalf and will form part of this user agreement.

Closing Your PayPal Account

You may close your PayPal account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. If you have a Balance Account linked to a personal PayPal account, you must withdraw or transfer any funds held in your Balance Account before closing your personal PayPal account, and closing a personal PayPal account will result in PayPal automatically closing any linked Balance Account. If you have a business PayPal account, you must withdraw or transfer any balance from your business PayPal account before closing it, and if you have not provided the required identifying information to us, or if we are unable to verify the required identifying information you provide, you must transfer any balance in your business PayPal account to a linked bank account or debit card. You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayPal Digital Gifts and linked to your personal or business PayPal account as payment methods. However, even without your PayPal account, you can still use the codes you received by email when you purchased the gift certificates/cards to make purchases.

In certain cases, you may not close your PayPal account, including:

Link or Unlink a Payment Method

You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. You can also link a Balance Account to your personal PayPal account as a payment method and unlink the Balance Account by withdrawing all funds and closing it. Please keep your payment method information current (e.g. credit card number and expiration date). If this information changes, we may update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your payment method from your PayPal account. If we update your payment method, we will keep any preference setting attached to such payment method. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. To do this, we will charge $1.95 to the card. After the card is confirmed, we will immediately refund this amount to the card.

Receiving Funds, Holding a Balance or Transferring Funds

Personal PayPal accounts

Money sent to your personal PayPal account cannot be held as a balance in your personal PayPal account. When you receive money to your personal PayPal account, you can:

  • transfer the money via a standard transfer to your bank account linked to your personal PayPal account for free;
  • transfer the money via an Instant Transfer to an eligible debit card or bank account linked to your personal PayPal account, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Funds (for personal PayPal accounts) table and that will be disclosed to you in advance each time you initiate such a withdrawal;
  • request PayPal to send the money to you by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). If you request a paper check from us, you must cash it within 180 days of the date of issuance, or we will return the funds to your linked Balance Account if you have one or hold the funds on your behalf and retain the non-refundable fee of $1.50. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you;
  • open a Balance Account to hold the money as a balance in your Balance Account for purchases or to transfer funds to friends and family members. A Balance Account is separate account from your personal PayPal account. If you open a Balance Account, we will automatically link your Balance Account to your personal PayPal account. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.

You also cannot transfer money to your personal PayPal account to be held as a balance in your fineprint 10 code PayPal account. You will need to open a Balance Account to hold the money as a balance in your Balance Account, which can be used for purchases or to transfer funds to friends and family members. More information about Balance Accounts can be found in the PayPal Balance Terms and Conditions.

Except as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or debit card if you do not have a Balance Account, represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation (FDIC).

PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds held with PayPal. PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.

If you have a PayPal Cash Card debit card as part of a Balance Account, or have enrolled in Direct Deposit, or have bought cryptocurrency, the cash funds held in your Balance Account are eligible for pass-through FDIC insurance as further detailed in the PayPal Balance Terms and Conditions. FDIC pass-through insurance only applies to U.S. dollar funds held in your eligible Balance Account balance. It does not apply to funds held in any non-U.S. dollar currencies, nor does it apply to any amounts held in cryptocurrencies.

 

Business PayPal accounts

Money sent to a business PayPal account can be held directly as balance in the business PayPal account. The balance functionality in your business PayPal account will differ depending on whether we have been able to verify the required identifying information that you provide to us.

The required identifying information is:

  • For sole proprietorships: name, physical address, date of birth and taxpayer identification number; or
  • For other types of business legal entities: business name, business address, taxpayer identification number, and proof of business existence.

If we have not verified the required identifying information, a balance in your business PayPal account can only be held in your business PayPal account and transferred to a linked bank account or debit card or you can request PayPal to send you the money by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). Your balance may also be used to fund payments or money owed to PayPal, such as payments on your PayPal Working Capital account or monies owed for refunds or chargebacks.

If we have verified the required identifying information, a balance can be held in your business PayPal account, transferred to a linked bank account or debit card, used to make purchases or send money to others.

If you have a business PayPal account and we have verified the required identifying information that you have provided to us, you may transfer money to the balance of your business PayPal account from any bank account linked to your business PayPal account by requesting an electronic transfer from your bank account. If we have not verified the required identifying information that you have provided to us, you cannot add funds to your balance in a business PayPal account.

You can withdraw balance from your business PayPal account by:

  • transferring it via a standard transfer to a bank account linked to your business PayPal account for free,
  • transferring it via an Instant Transfer to an eligible debit card or bank account linked to your business PayPal account, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Balance (for business PayPal accounts) table and that will be disclosed to you in advance each time you initiate such a withdrawal,
  • withdrawing it from an ATM (automated teller machine) if you have a PayPal-branded debit card (fees may apply), or
  • Requesting a check from us (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). If you request a paper check from us, you must cash it within 180 days of the date of issuance, or we will return the funds to your balance in your business PayPal account and retain the non-refundable fee of $1.50. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you.

Any balance you hold in your business account represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation (FDIC).

PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds held with PayPal. PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. However, the claim against PayPal represented by your PayPal funds is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.

 

Restrictions on transfers or withdrawals from PayPal accounts

To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal, or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or negative balance is fully paid off.

We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. Completing two out of three of the following steps can help us verify fineprint 10 code PayPal account, which may allow us to remove any withdrawal cap:

  • Verifying your bank account.
  • Linking and confirming your credit or debit card information.
  • Providing your social security number.

Managing Your Money in Multiple Currencies

Holding currency other than U.S. dollars

Your balance in your business PayPal account or fineprint 10 code your Balance Account, if you have one, may be held in currencies other than U.S. dollars.

If you hold a balance in your business PayPal account or in your Balance Account:

  • We may allow you to convert the funds to balance in another currency. If you convert funds in your account, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. We may, at our discretion, impose limits on the amount of money you can convert or the number of conversions you can perform.
  • You may only withdraw the funds in U.S. dollars. In order to withdraw funds in your account held in another currency you will have to convert the currency to U.S. dollars, or it will be converted for you at the time of your withdrawal. PayPal’s currency conversion rate, including our currency conversion spread, will be used.

To receive money in a currency your account is not currently configured to accept, it may be necessary to create a balance in your business PayPal account or in your Balance Account, in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal’s transaction exchange rate (including our currency conversion spread) will be used.

You are responsible for all risks associated with maintaining multiple currencies in a Balance Account or business PayPal account. You may not manage or convert multiple currencies for speculative trading purposes, conversion arbitrage, conversion options, or any other activity that PayPal determines is primarily for the purpose of gaining or making money based on currency conversion rates. PayPal may hold, cancel, or reverse any transaction we determine to violate this policy.

 

How we convert currency

If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a currency conversion spread applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate(s).

For some uses of your PayPal accounts, PayPal may determine currency conversion is necessary. The applicable currency conversion spread can be found on our Fees page under the heading Currency conversion.

 

Currency conversion choices

When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer perform the currency conversion, if applicable for that card issuer and network. Currency preference selections may be presented to you in various forms, including setting the currency of your card, a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, and may be made available individually for each card and for each automatic payment agreement. If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge.

PayPal will always perform the conversion for transactions where your Balance Account balance, business PayPal account balance or linked bank account is the payment method.

Account Statements

You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account. If you have a Balance Account linked to your personal PayPal account, you will receive two statements: one showing all transactions in your personal PayPal account and an additional statement showing only transactions involving your Balance Account.

Sending Money and Buying

Sending Money to a Friend or Family Member

Sending money

You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don’t have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don’t claim it, it will be refunded to you.

We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account.

When you send money to a friend or family member who has a PayPal account, one of two things may happen: they may accept or decline the money. If they decline to accept the money, the money (including any fees you were charged) will be refunded to:

  • The original payment method you used for the transaction, if you used a credit card, debit card, PayPal Credit, a Balance Account, or balance in a business PayPal account as the payment method, or
  • The balance in your business PayPal account or the balance in your Balance Account linked to your personal PayPal account if you used a bank account as the payment method and we cannot refund it to your bank account.
  • If you do not have a Balance Account linked to your personal PayPal account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

Fees for Sending Money to Friends and Family

The fees applicable to sending money can be found on our Fees for Sending Money to Friends and Family page and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your Balance Account balance or in your business PayPal account balance from one currency to another before sending money, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.

If you send money to a friend or family member from a third party (non-PayPal) website or by using a third party’s product or service, then the third party will determine if the sender or recipient pays the fee. This will be disclosed to you by the third party before the payment is initiated.

You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.

Buying Something From, Donating to, or Returning Something to, a Seller Who Accepts PayPal

How to buy something or make a donation

You can buy something from a seller who accepts PayPal or make a donation, in any currency that the recipient accepts and that PayPal supports using any payment method linked to your PayPal account. This includes, for example:

  • Buying something at an online retailer’s website and selecting PayPal as your payment method at checkout.
  • Sending money to a seller for goods or services.
  • Using your PayPal account to buy something at a seller’s physical store using an electronic terminal, subject to certain limitations.
  • Using your PayPal account to buy something at a seller’s physical store using your own mobile device and a QR code, subject to certain limitations.
  • Making donations using PayPal.

If the seller you are buying from sells goods or services and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account. If they don’t open a PayPal account within 30 days, your purchase will be refunded.

In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something or make a donation. In addition, payment methods may be limited for certain sellers or recipients, including PayPal payments made through certain third-party websites or applications.

When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorization for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, PayPal’s transaction exchange rate (including a currency conversion spread) will be used, and may be the rate at the time the payment is processed.

 

Fees

When you buy something from a seller who accepts PayPal or make a donation, you don’t pay a fee to PayPal. If PayPal performs a currency conversion for your purchase or donation, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. Your debit or credit card issuer may also charge you a separate fee for non-U.S. transactions.

In addition you may be required to pay a fee to PayPal if you are making a purchase using PayPal Business Payments and the seller discloses to you that you, as the buyer, must pay the fee.

 

Payment review

When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.

 

Automatic payments

You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, recurring or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or "preapproved payment."

If you have a personal PayPal account, you may cancel a recurring automatic payment up to 3 Business Days before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center, or by calling PayPal at (888) 221-1161.

Once your automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. 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.

If you have given advance authorization, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you and the seller.

If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread) in effect at the time the automatic payment transaction is processed.

 

Refunds

When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the money will typically be refunded to the original payment method you used for the transaction if you used a debit card, credit card, PayPal Credit, or a balance in your Balance Account or business PayPal account.

If you used a bank account linked to a personal PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your linked Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

If you used a bank account linked to a business PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your balance in your business PayPal account.

For purchases you make in a seller’s store location that you paid for using your personal PayPal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

For purchases you make in a seller’s store location that you paid for using your business PayPal account and the transaction is ultimately refunded, the money will be refunded to your balance in your business PayPal account.

If you used Pay with Rewards to fund your transaction, your refund will be processed back as a dollar amount: depending on your card agreement with your issuer, your issuer may or may not credit your purchase back to your reward balance.

If PayPal performed currency conversion for your transaction and a refund is issued:

  • Within 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) used at the time of the original payment will apply.
  • Beyond 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) on the date of the refund will apply.

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 we are unable to refund in your primary holding currency, then in U.S. dollars.

Payment Method Used for My Transaction

Selecting a preferred payment method

You can choose any of the payment methods in your PayPal account as your preferred payment method. You can select a preferred payment method in your account preferences on www.paypal.com or in the PayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired.

You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below.

If you have chosen a preferred payment method, it will be shown as the primary method of payment.

If no preferred payment method, it’s still your choice.

The availability of certain payment methods may be limited based on that particular seller or the third-party website you are using to complete the transaction.

If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.

 

Backup payment method

Certain one-time online transactions may require that a backup AVG Antivirus 19.2.3079 License Key - Crack Key For U method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method.

 

Sending money to friends and family

When you send money to friends and family within the U.S. using balance in your Balance Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. If you select a payment method with a fee, we will always show you the fee before you send money.

 

Automatic payments

Some sellers allow you to store PayPal as the way you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with the seller that permits them to request that we charge your PayPal account each time you make a purchase. To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method.

When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for such agreement. You can review, set, or change a preferred payment method for an automatic payment agreement in your account settings on paypal.com.

Your preferred payment method for an automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Balance Account, that balance may be used before your preferred payment method.

If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (for example, because it is expired or has insufficient funds) the payment method used will be in the following order, if applicable: 1. Balance Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we’ve been able to verify the required identifying information you provide to us); 2. Bank account; 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable.

 

Bank account transfers

When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason.

If you use your PayPal account to pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. The terms, benefits, and protections associated with your PayPal account may vary from those that apply to your bank account. If you use your PayPal account to make a purchase that exceeds the balance in your linked bank account, you could incur overdraft fees, even if you chose not to allow overdrafts with your bank. Similarly, the liability limits applicable to your PayPal account may differ from those applicable to your bank account.

 

E-check

E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of time will increase if the payment is sent from a bank account located outside the United States.

 

Pay with Rewards

PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal’s Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal’s Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option.

All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. 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. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit).

There may be a delay between checkout and processing of your payment. Only rewards available upon processing of your payment will be used. 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. For more fineprint 10 code on redeeming rewards and how it works, please see About Payment Methods.

 

Debit card processing

PayPal will process your debit or prepaid card funded transactions through either the ATM debit network or the Visa, MasterCard or Discover network. If we process your debit or prepaid card through an ATM debit network, we may provide you with the opportunity to switch to a Visa, MasterCard or Discover network by changing your preferences for that debit or prepaid card through your PayPal account profile.

Loyalty Cards

If you use the PayPal application on your mobile phone, you may store loyalty card numbers or bar codes, where applicable, for certain sellers in your PayPal account. When you store your loyalty card numbers or bar codes in your PayPal account, you will earn any rewards, subject to the seller’s loyalty card terms and conditions, at the time you make your payment to the merchant by presenting the stored loyalty card number or bar code to the seller at the point of sale. It is your responsibility to make sure you have entered your loyalty card information correctly and that you update it as necessary. It is also your responsibility to ensure that you are receiving the rewards to which you are entitled. PayPal is not responsible for managing your loyalty card account by offering this service and any questions about your loyalty card or associated rewards program should be directed to the seller who offers the card.

PayPal’s Purchase Protection Program

When you buy something from a seller who fineprint 10 code PayPal, you may be eligible for a refund under PayPal’s Purchase Protection program. When applicable, PayPal’s Purchase Protection program entitles you to coverage for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for the Purchase Protection program. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.

IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal’s Purchase Protection program does not entitle you to coverage for the return shipping costs that you may incur.

PayPal’s Purchase Protection program may apply when you encounter these specific problems with a transaction:

  • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or
  • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim).

If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the Purchase Protection program, and is described below under Liability for Unauthorized Transactions and Other Errors.

 

QR Code Transactions

If you buy something from a seller in person by using a PayPal goods and services QR code, your transaction may be eligible for PayPal’s Purchase Protection program.

 

Item Not Received claims

Your claim will not qualify for a refund under PayPal’s Purchase Protection program for an Item Not Received claim, if:

  • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller’s physical store, except for in-person PayPal QR code goods and services transactions, or
  • The seller has provided proof of shipment or proof of delivery.

If the seller presents evidence that they delivered the goods to you, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods.

 

Significantly Not as Described claims

An item may be considered Significantly Not as Described if:

  • The item is materially different from the seller’s description of it.
  • You received a completely different item.
  • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used.
  • The item was advertised as authentic but is not authentic (i.e. counterfeit).
  • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it.
  • You purchased a certain number of items but didn’t receive them all.
  • The item was damaged during shipment.
  • The item is unusable in its received state and was not disclosed as such.

An item may not be considered Significantly Not as Described if:

  • The defect in the item was correctly described by the seller in its description of the item.
  • The item was properly described but you didn’t want it after you received it.
  • The item was properly described but did not meet your expectations.
  • The item has minor scratches and was described as “used."

 

Ineligible items and transactions

The following items or transactions are not eligible for PayPal’s Purchase Protection program:

  • Real estate, including residential property
  • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards
  • Businesses (when you buy or invest in a business)
  • Industrial machinery used in manufacturing
  • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards
  • Payments made in respect of gold (whether in physical form or exchange-traded form)
  • Financial products or investments of any kind
  • Gambling, gaming, and/or any other activities with an entry fee and a prize
  • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms
  • Payments to a state-run body (except for state-owned enterprises), government agencies, or third parties acting on behalf of state-run bodies or government agencies
  • Payments to any bill payment service
  • Significantly Not as Described claims for wholly or partly custom-made items
  • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller’s point of sale location, except if you paid for the transaction in person using PayPal’s goods and services QR code
  • Anything prohibited by PayPal’s Acceptable Use Policy
  • Payments made using PayPal Payouts (formerly Mass Pay)
  • Personal Payments including payments sent using PayPal’s friends and family functionality
  • Payments that you have not sent using your PayPal account
  • Items intended for resale, including single item transactions or transactions that include multiple items.

 

Transaction eligibility for PayPal’s Purchase Protection program

To be eligible for PayPal Purchase Protection you must meet all of the following requirements:

  • Have a PayPal account in good standing.
  • Pay for the eligible item from your PayPal account.
  • Attempt to contact the seller to resolve your issue directly before filing a claim through the Resolution Center.
  • Respond to PayPal’s request for documentation and other information within the time requested.
  • Open a dispute in the Resolution Center within 180 days of the date you sent the payment and follow our online dispute resolution process.
  • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source.

 

Our online dispute resolution process

If you’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Center to pursue a claim under our Purchase Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller’s PayPal account until the dispute is resolved or closed.

Step 2: Escalate the dispute to a claim for reimbursement within 20 days after opening the dispute, if you and the seller are unable to come to an agreement, or we will automatically close the dispute. You can escalate the dispute to a claim for reimbursement through the Resolution Center. The seller or PayPal may also escalate the dispute to a claim at this point. PayPal may ask you to wait at least 7 days from the transaction date to escalate the dispute.

Step 3: Respond to PayPal’s requests for documentation or other information, after you, the seller or PayPal escalates your dispute to a claim for reimbursement. PayPal may require you to provide receipts, third-party evaluations, police reports or other documents that PayPal specifies. You must respond to these requests in a timely manner as requested in our correspondence with you.

Step 4: Comply with PayPal’s shipping requests in a timely manner, if you’re filing a Significantly Not as Described claim. PayPal may require you, at your expense, to ship the item back to the seller, to PayPal or to a third party (which will be specified by PayPal) and to provide proof of delivery.

Proof of delivery means:

  • For transactions that total less than $750 U.S. dollars (or the currency threshold in the table below), confirmation that can be viewed online and includes the delivery address showing at least city/state or zip code, delivery date, and the identity of the shipping company you used.
  • For transactions that total $750 U.S. dollars (or the currency threshold in the table below) or more, you must provide signature confirmation of delivery. If the transaction is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 U.S. dollars at the PayPal exchange rate that applies at the time the transaction is processed.

Australian Dollar:

850 AUD

New Zealand Dollar:

950 NZD

Brazilian Real:

1,750 BRL

Norwegian Krone:

4,600 NOK

Canadian Dollar:

850 CAD

Philippine Peso:

34,000 PHP

Czech Koruna:

15,000 CZK

Polish Zloty:

2,300 PLN

Danish Krone:

4,100 DKK

Russian Ruble:

48,000 RUB

Euro:

550 EUR

Singapore Dollar:

950 SGD

Hong Kong Dollar:

6,000 HKD

Swedish Krona:

4,950 SEK

Hungarian Forint:

170,000 HUF

Swiss Franc:

700 CHF

Israeli Shekel:

2,700 ILS

Taiwan New Dollar:

23,000 TWD

Japanese Yen:

77,000 JPY

Thai Baht:

24,500 THB

Malaysian Ringgit:

3,100 MYR

U.K. Pounds Sterling:

450 GBP

Mexican Peso:

10,000 MXN

U.S. Dollar:

750 USD

Step 5: PayPal will make a final decision (including automatically closing any dispute or claim), in its sole discretion, based on the eligibility requirements set forth above, any additional information provided during the online dispute resolution process or any other information PayPal deems relevant and appropriate under the circumstances.

 

Dispute with us or your card issuer

If you used a debit or credit card as the payment method for a transaction through your PayPal account and you are dissatisfied with the transaction, you may be entitled to dispute the transaction with your card issuer. Applicable card chargeback rights may be broader than those available to you under PayPal’s Purchase Protection program. For example, if you dispute a transaction with your card issuer, you may be able to recover amounts you paid for unsatisfactory items even if they don’t qualify for protection under a Significantly Not as Described claim with us.

You must choose whether to pursue a dispute with PayPal under our Purchase Protection program, or to pursue the dispute with your card issuer. You can’t do both at the same time or seek a double recovery. If you pursue a dispute/claim with us and you also pursue a dispute for the same transaction with your card issuer, we’ll close your dispute/claim with us. This won’t affect the dispute process with your card issuer. In addition, if you pursue a dispute with your card issuer, you cannot pursue a dispute/claim with us later.

If you choose to dispute a transaction with PayPal and we decide against you, you can seek to pursue the dispute with your card issuer later. If PayPal does not make a final decision on your claim until after your card issuer’s deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or your card issuer).

Before contacting your card issuer or filing a dispute with PayPal, you should contact the seller to attempt to resolve your issue in accordance with the seller’s return policy.

Selling and Accepting Payments

Accepting Payments

Receiving payments

If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must:

  • Pay any applicable fees for receiving the funds.
  • Not ask your buyer to send you money using the “send money to a friend or family member.” If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members.

By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement.

 

Receiving donation payments

If you use your PayPal account to accept donations, including using the Generosity Network, the Donate Button, or PayPal Checkout for Donations, you must:

  • Pay any applicable fees for receiving the funds.
  • Not use Generosity Network, the Donate Button, PayPal Checkout for Donations, or any other donation services for the sale of goods and services. If you do so, PayPal may remove your PayPal account's ability to use those services or otherwise receive donations.

 

No surcharges

You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. 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.

 

Presentation of PayPal and Venmo

You must treat PayPal and/or Venmo payment methods or marks at least on par with any other payment methods or marks offered or displayed at your points of sale where PayPal or Venmo branded services are integrated, including your websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal or Venmo services or marks.

In representations to your customers or in public communications, you must not mischaracterize any PayPal or Venmo services or exhibit a preference for other payment methods over PayPal or Venmo services. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or Venmo services or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal or Venmo, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising, and other customer communications) you agree to display the PayPal or Venmo services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.

 

Taxes and information reporting

Our fees do not include any taxes, levies, duties or similar governmental assessments of any fineprint 10 code, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”). It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction.

You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. For example, PayPal is required to report to the Internal Revenue Service the total amount of payments for goods and services you receive each calendar year into all of your PayPal accounts associated with the same tax identification number if you receive more than $20,000 in payments for good and services and process more than 200 transactions involving goods or services through those PayPal accounts in the same calendar year.

 

Your customer service information, refunds and returns policy, and privacy policy

You must publish customer service information with clear instructions on how your customers can contact you. Such instructions must include at least: (1) one active customer service email address or active customer service URL to file tickets for assistance and/or (2) one active customer service telephone number. Such information must be readily accessible for review by your customers.

You must publish a refunds and returns policy.

You must publish a privacy policy, where required by law.

 

Payment review

PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal’s Seller Protection program if they meet PayPal’s Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account.

 

In-store payments and QR code transactions

If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer’s account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased.

If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. 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.

 

Marketplace sellers

If you’re 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 marketplace’s or the third-party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

 

PayPal Giving Fund

If you are a charity and hold a PayPal account, you may be eligible to participate in PayPal Giving Fund programs. PayPal Giving Fund is a Donor Advised Fund (DAF) recognized by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Code as a tax-exempt public charity (Federal Tax ID: 45-0931286). If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a “Public Charity” under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. You will receive an email from us confirming your enrollment. Your relationship with PayPal Giving Fund will be governed by the Nonprofit User Agreement, including receiving email communications from PayPal Giving Fund about its current and future partners about its programs. You can opt out of email communications at any time in your PayPal Giving Fund profile. If you don’t want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us. For more information, please see PayPal Giving Fund’s Policies.

 

Card not present transactions

Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

 

Accepting preauthorized payments

As a seller, you can accept payments from a buyer’s account through preauthorized transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "pre-approved payment" or "automatic payment".

Get each buyer’s prior authorization for the amount, frequency, and duration of any such payment.

Restart future payments without the buyer’s written authorization, if a buyer has stopped or canceled a preauthorized payment.

Provide a simple and easily accessible online cancelation procedure, if buyers sign up for preauthorized payments online.

Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment.

Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer’s option) any payment that is in an amount that falls outside of the pre-determined range.

Transaction Fees for Online and In-Store Payments

Your PayPal transaction fees depend on:

  • the country of the buyer’s account or the currency of their card;
  • whether you are registered as a charitable organization and have active 501(c)(3) status. Your 501(c)(3) how to pirate adobe after effects - Crack Key For U must be documented with PayPal to receive the rates applicable to charitable organizations, and those rates will apply only after you document your status with us.

 

Standard transaction fees

The fees you pay when selling goods or services or receiving donations, and the buyer pays using their PayPal account (or using another authorized wallet), can be found on the Standard Transaction Fees table, with the fees applicable to charitable organizations founds on the Standard Transaction Fees for Charitable Organizations table for the charitable fees. Please note that:

  • We may revise the fees applicable to future transactions that you process using PayPal, subject to the applicable notice requirements set forth herein.
  • If you accept payments using a PayPal product (like PayPal Here or PayPal Payments Pro), the fees applicable to those products will apply to your transactions.

 

Micropayments

You may apply to receive Micropayments pricing for certain lower value transactions processed through your PayPal account for the sale of goods and services.

  • If your PayPal account has been approved for Dynamic Micropayments (also known as Dynamic Pricing), then PayPal will automatically apply either the Micropayments rate or the applicable higher value transaction rate to each transaction processed through your account based on whichever rate results in the lowest fees to you for that transaction.
  • If your PayPal account has previously been approved for Forza horizon 4 black screen - Free Activators Micropayments, then all such transactions processed through your account will receive the Micropayments rate, regardless of the transaction amount. If you have multiple PayPal accounts, but only some of them have been approved for Static Micropayments, then you are responsible for routing your transactions through the appropriate account to receive the desired pricing. Once a transaction is processed, PayPal will have no responsibility to re-route the transaction through a different account or apply different pricing. PayPal may, at its sole discretion, unilaterally convert your account from a Static Micropayments setup to the Dynamic Micropayments setup. PayPal has no obligation to offer the Static Micropayments setup as an alternative to the Dynamic Micropayments setup.

Not all payment types are eligible for Micropayments pricing.

 

PayPal Payouts

If you are using PayPal Payouts (formerly Mass Pay), the PayPal Payouts Terms and Conditions will apply.

 

Your responsibility to notify PayPal of pricing or fee errors

Once you have access to any account statement(s) or other account activity information made available to you by PayPal with respect to your business account(s), you will have sixty (60) days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal. If you do not notify PayPal within such timeframe, you accept such information as accurate, and PayPal shall have no obligation to make any corrections, unless otherwise required by applicable law. For the purposes of this provision, such pricing or fee errors or discrepancies are different than Unauthorized Transactions and other electronic transferErrors which are each subject to different notification timeframes as set forth in this user agreement.

Refunds, Reversals and Chargebacks

General information

If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable chargeback fee or Dispute fee). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. If a currency conversion is necessary (for example if the balance in your Balance Account or your business PayPal account for a particular currency is insufficient to cover the amount of a refund or reversal, or if the buyer paid in a different currency), PayPal will perform a currency conversion in order to refund or reverse the transaction. PayPal’s transaction exchange rate (including our currency conversion spread) at the time the refund or reversal is processed will be used.

If you refund a transaction, we’ll retain the fees you paid as set out on our Fees page.

 

Payments that are invalidated and reversed

Payments to you may be invalidated and reversed by PayPal if:

  • 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.
  • You lose a Venmo Protected Purchase Program claim.
  • Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal’s Seller Protection program. The card issuer, not PayPal, determines whether a buyer is successful when they pursue a chargeback related to a card-funded transaction.
  • You do not fulfill the transaction as promised or you cannot provide proof of shipment or proof of delivery when required.
  • eBay decides against you under its money back guarantee program (and you haven’t opted out).
  • Our investigation of a bank reversal made by a buyer or the buyer’s bank finds that the transaction was fraudulent.
  • PayPal sent the payment to you in error.
  • The payment was unauthorized
  • You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.

When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason. If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the PayPal transaction exchange rate (including our currency conversion spread) that applies at the time the refund or reversal is processed. If the balance in your Balance Account or business PayPal account doesn’t cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. If the payment methods linked to your PayPal account don’t cover the amount due, this will result in a negative balance. A negative balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your balance to resolve it. If you don’t, PayPal may:

 

Dispute fees

PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal Guest Checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided.

The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio 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. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank.

If your dispute 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. Otherwise, you will be charged the Standard Dispute fee for each dispute.

You will not be charged a Standard Dispute fee for disputes that are:

  • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal.
  • Resolved directly between you and the buyer and not escalated to a claim with PayPal.
  • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
  • Eligible for PayPal’s Seller Protection program.
  • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee.
  • Decided in your favor by PayPal or your issuer.

You will not be charged a High Volume Dispute fee for disputes that are:

  • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal.
  • Resolved directly between you and the buyer and not escalated to a claim with PayPal.
  • Filed by the buyer directly with PayPal as an Unauthorized Transaction.

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.

Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio.

 

Chargeback fees

For transactions that are not processed either through a buyer’s PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback eset internet security 13.0 22.0. This fee with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.

The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee tableand will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback feetable, the fee charged will be in your primary holding currency.

 

Impact of various purchase protection processes on sellers

You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement.

If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program:

  • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may not receive the item back.
  • The Purchase Protection claim will only be considered fully resolved if:
    • the refund to a buyer is processed through PayPal or Venmo, as applicable, or
    • you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided.
  • You will not receive a refund of the PayPal fees that you paid in connection with the sale.
  • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.
  • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your Balance Account or business PayPal account is insufficient to cover the amount, we may:

  • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or
  • create a negative balance in your PayPal account.

PayPal’s Seller Protection Program

What’s eligible

If you sell a good or service to a buyer, you may be eligible for PayPal’s Seller Protection program. When it applies, PayPal’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal’s Seller Protection program. By accessing the Transaction Details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program.

PayPal’s Seller Protection program may apply when a buyer claims that:

  • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by Paypal; or
  • They didn’t receive the item from you (referred to as an “Item Not Received” claim).

PayPal’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank.

This section describes PayPal’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various purchase protection processes on sellers.

 

Basic requirements

To be eligible for PayPal’s Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements:

  • The primary address for your PayPal account must be in the United States.
  • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal’s Seller Protection program so long as the buyer paid for the transaction in person by using a PayPal goods and services QR code.
  • You must ship the item to the shipping address on the Transaction Details page in your PayPal account for the transaction. If you originally ship the item to the recipient’s shipping address on the Transaction Details page but the item is later redirected to a different address, you will not be eligible for PayPal’s Seller Protection program. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.
  • The shipping requirement does not apply to eligible transactions involving items that you deliver in person; provided, however, that you agree to provide us with alternative evidence of delivery or such additional documentation or information relating to the transaction that we may request.
  • You must respond to PayPal’s requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal’s Seller Protection program.
  • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.
  • You provide us with valid proof of shipment or delivery.
  • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal’s Seller Protection program on the Transaction Details page.
  • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program.

PayPal determines, in its sole discretion, whether your claim is eligible for PayPal’s Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances.

 

Item Not Received additional requirements

To be eligible for PayPal’s Seller Protection program for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below:

  • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page.
  • You must provide proof of delivery as described below.

 

Intangible Goods additional requirements

For the sale of intangible goods and services to be eligible for PayPal’s Seller Protection program, the sale must meet the basic requirements and the following additional requirements:

  • Integration requirements
    • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or
    • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration.
    • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed.
  • PayPal has marked the intangible good transaction as “eligible” in the Transaction Details page or otherwise provided notice to you of eligibility in writing.
  • Delivered the item and provide Proof of shipment or delivery for Intangible Goods.
  • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 U.S. dollars at the PayPal exchange rate that applies at the time the transaction is processed.

 

Establishing proof of delivery or proof of shipment

Online or physical documentation from a shipping company that includes:

  • Date of shipment
  • An address for the recipient that matches the shipping address on the Transaction Details page
  • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).

Online or physical documentation from a shipping company that includes:

  • Date of delivery and ‘delivered’ status
  • An address for the recipient that matches the shipping address on the Transaction Details page
  • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).
  • Signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount (based on the currency of the payment) listed in the signature confirmation threshold table Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for.

IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied.

For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:

  • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or
  • Received or accessed by the recipient.

For 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.

Australian Dollar:

850 AUD

New Zealand Dollar:

950 NZD

Brazilian Real:

1,750 BRL

Norwegian Krone:

4,600 NOK

Canadian Dollar:

850 CAD

Philippine Peso:

34,000 PHP

Czech Koruna:

15,000 CZK

Polish Zloty:

2,300 PLN

Danish Krone:

4,100 DKK

Russian Ruble:

48,000 RUB

Euro:

550 EUR

Singapore Dollar:

950 SGD

Hong Kong Dollar:

6,000 HKD

Swedish Krona:

4,950 SEK

Hungarian Forint:

170,000 HUF

Swiss Franc:

700 CHF

Israeli Shekel:

2,700 ILS

Taiwan New Dollar:

23,000 TWD

Japanese Yen:

77,000 JPY

Thai Baht:

24,500 THB

Malaysian Ringgit:

3,100 MYR

U.K. Pounds Sterling:

450 GBP

Mexican Peso:

10,000 MXN

U.S. Dollar:

750 USD

 

Ineligible items and transactions

The following items or transactions are not eligible for PayPal’s Seller Protection program:

  • Real estate, including residential property
  • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards
  • Businesses (buying or investing in a business)
  • Industrial machinery used in manufacturing
  • Payments equivalent to cash, including stored value items such as gift cards and pre-paid cards
  • Payments made in respect of gold (whether in physical form or in exchange-traded form)
  • Financial products or investments of any kind
  • Gambling, gaming, and/or any other activities with an entry fee and a prize
  • Donations, including payments received as crowdfunding or crowdlending
  • Payments to a state-run body (except for state-owned enterprises), a government agency, or to third-party collecting payment on behalf of a state-run body or government agency
  • Payments to any bill payment service
  • Items where the buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a Significantly Not as Described claim)
  • Physical, tangible items delivered in person, including in connection with a payment made in your physical store, unless the buyer paid for the transaction in person using PayPal’s goods and services QR code
  • Anything PayPal determines, in its sole discretion, is prohibited by this user agreement or PayPal’s Acceptable Use Policy, even if the transaction is initially marked as “eligible” or “partially eligible” on the Transaction Details page
  • Payments made using PayPal Payouts (formerly Mass Pay)
  • Personal payments including a payment sent using PayPal’s friends and family functionality
  • Payments not processed through a buyer’s PayPal account, unless you receive PayPal Guest Checkout transactions and your business account is registered in the United States, the United Kingdom, Germany, Canada, Brazil, or Mexico
  • Items sent after PayPal advised you not to release the item
  • Travel tickets sold by a travel carrier where (1) the buyer claims (either with us or their financial institution) that it was an Unauthorized Transaction, and (2) such claim was filed more than 24 hours before the travel date.

PayPal Advertising Program

The PayPal Advertising Program enables you to promote PayPal services, including PayPal’s pay later offers, through PayPal-hosted banners and buttons on your websites or in your customer emails. PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time.

Comply with all integration requirements provided by PayPal or each authorized third party, including those with respect to accurate presentation of all PayPal related information.Modify any PayPal content or its presentation in any way.
Only use the code for PayPal content as provided by PayPal.Copy PayPal content from other websites.
Use the PayPal content in its entirety with all the links and language provided by PayPal and without modification by you.Create, display or host your own PayPal content, unless authorized by PayPal in writing.
Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third-party provider to do so, if you stop using a qualifying PayPal payments solution.Post PayPal content on social media networks or platforms or anywhere else, unless authorized by PayPal in writing.
Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the code to facilitate future updates.Display any non-current PayPal content.
Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self-regulatory bodies including but not limited to the digital advertising standards issued by the Network Advertising Initiative.

If you promote the use of PayPal’s pay later offers on your sites and customer communications through the PayPal Advertising Program, wise registry cleaner pro - Activators Patch are additional requirements that apply. If you receive customer inquiries relating to:

  • PayPal Credit, then you must direct the customer to PayPal Credit Customer Service at (844) 373-4961.
  • PayPal, then you must direct the customer to PayPal Customer Service.

You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you fail to follow these rules, we may limit or close your PayPal account.

Restricted Activities, Holds, and Liquidated Damages

Restricted Activities

In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not:

  • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), the PayPal Balance Terms and Conditions (if it applies to you), or any other agreement between you and PayPal;
  • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising);
  • Infringe PayPal’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
  • Sell counterfeit goods;
  • Act in a manner that is defamatory, trade libelous, threatening or harassing;
  • Provide fineprint 10 code, inaccurate or misleading information;
  • Send or receive what we reasonably believe to be potentially fraudulent funds;
  • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
  • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction;
  • Control an account that is linked to another account that has engaged in any of these restricted activities;
  • Conduct your business or use the PayPal services in a manner that results in or may result in;
    • complaints;
    • requests by buyers (either filed with us or card issuers) to invalidate payments made to you;
    • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you;
  • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;
  • Allow your PayPal account to have a negative balance;
  • Provide yourself a cash advance from your credit card (or help others to do so);
  • Access the PayPal services from a country that is not included on PayPal’s permitted countries list;
  • 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;
  • 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;
  • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers;
  • Use the PayPal services to test credit card behaviors;
  • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account; or
  • Harass and/or threaten our employees, agents, or other users.

Actions We May Take if You Engage in Any Restricted Activities

If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:

  • Terminate this user agreement, limit your PayPal account (and any linked Balance Account), and/or close or suspend your PayPal account (and any linked Balance Account), immediately and without penalty to us;
  • Refuse to provide the PayPal services to you in the future;
  • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals;
  • Hold the balance in your Balance Account, the balance in your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account, for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy;
  • Suspend your eligibility for PayPal’s Purchase Protection program and/or PayPal’s 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;
  • Take legal action against you;
  • If you’ve violated our Acceptable Use Policy, then you’re also responsible for damages to PayPal caused by your violation of this policy; or
  • 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 acknowledge and agree that $2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal’s actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing balance in any PayPal account you control.

If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Balance Account linked to your personal PayPal account or in the balance of your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account, available for withdrawal.

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services.

Holds, Limitations, and Reserves

What are holds, limitations and reserves

Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve.

Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. You agree that we have no obligation to disclose the details of our risk management or security procedures to you.

In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion.

 

Holds

A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include:

  • New sellers or sellers who have limited selling activity.
  • Payments for higher-risk categories like electronics or tickets.
  • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Holds based on PayPal’s risk decisions

We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold.

Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days).

Holds related to Marketplace transactions

If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third party directly.

Holds based on disputed transactions

If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account.

 

Account Limitations

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. Limitations also help us collect information necessary for keeping your PayPal account open.

There are several reasons why your PayPal account could be limited, including:

  • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity.
  • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorized transfers between your PayPal account and your bank account.
  • In order to comply with applicable law.
  • If we believe in our sole discretion that you have breached this agreement or violated the Acceptable Use Policy.
  • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, or if your typical sales volume increases rapidly.

Unless a permanent limitation is placed on your account, you will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

 

Reserves placed on business PayPal accounts

We may place a reserve on your business PayPal account at any time if we believe there may be a high level of risk associated with you, your business PayPal account, your business model, or your transactions. When we place a reserve on your business PayPal account, it means that all or some portion of the money in your business 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 business PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties.

PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including:

  • How long you have been in business.
  • Whether your industry has a higher likelihood of chargebacks.
  • Your payment processing history with PayPal and other providers.
  • Your business and/or personal credit history.
  • Your delivery time frames.
  • Whether you have higher than average number of returns, chargebacks, claims or disputes.

There are two types of reserves that may be placed on your business PayPal account, and one or both may be applied at the same time:

  • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve.
  • A Minimum reserve is a specific minimum amount of money that you’re required to keep available in the balance of your business PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve.

If we place a reserve on funds in your account, the funds will be shown as "pending" and we’ll notify you of the terms of the reserve.
If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you of the new terms.

Court Orders, Regulatory Requirements or Other Legal Process

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. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days.

Liability for Unauthorized Transactions and Other Errors

Protection from Unauthorized Transactions

To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should Autodesk Fabrication License key these transaction notifications to ensure that each transaction was authorized and accurately completed.

PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.

 

What is an Unauthorized Transaction

An “Unauthorized Transaction” occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred.

 

What is not considered an Unauthorized Transaction

The following are NOT considered Unauthorized Transactions:

  • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation.
  • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks.

 

Reporting an Unauthorized Transaction

If you believe your PayPal login information has been lost or stolen, please contact PayPal customer service immediately or call: (888) 221-1161 or write: PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.

Tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. You could lose all the money in your PayPal account. If you tell us within 60 days after we provide you your PayPal account statement showing transfers you did not make, you will be eligible for 100% protection for Unauthorized Transactions.

Also, if your PayPal account statement shows transfers that you did not make, including those made with your PayPal login information or by other means, tell us at once. If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

Error Resolution

What is an Error

An “Error” means the following:

  • 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.
  • You send a payment and the incorrect amount is debited from your PayPal account.
  • An incorrect amount is credited to your PayPal account.
  • A transaction is missing from or not properly identified in your PayPal account statement.
  • We make a computational or mathematical error related to your PayPal account.
  • You request receipt or periodic statement documents that PayPal is required to provide to you.
  • You request information concerning preauthorized (recurring) transfers to your PayPal account that PayPal is required to provide to you.
  • You request additional information or clarification concerning a transfer to or from your PayPal account, including a request you make to determine whether an error has occurred.
  • You inquire about the status of a pending transfer to or from your PayPal account.
  • You request documentation or other information, unless the request is for a duplicate copy for tax or other record-keeping purposes.

 

What is not considered an Error

The following are NOT considered Errors:

  • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation.
  • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks.
  • Routine inquiries about the balance in your Balance Account or business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Balance Account linked to your personal PayPal account.
  • Requests for duplicate documentation or other information for tax or other recordkeeping purposes.

 

In case of Errors or questions about your electronic transfers

Telephone us at (888) 221-1161, contact us through the PayPal Resolution Center; or write us at PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.

Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your PayPal account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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.

For errors involving new PayPal accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayPal accounts, we may take up to 20 Business Days to credit your PayPal account for the amount you think is in error.

We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Processing Errors

We will rectify any processing error that we discover. If the error results in:

  • You receiving less than the correct amount to which you were entitled, then we will credit your PayPal account for the difference between what you should have received and what you actually received.
  • You receiving more than the correct amount to which you were entitled, then we will debit your PayPal account for the difference between what you actually received and what you should have received.
  • Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless:
    • through no fault of ours, you did not have enough available funds to complete the transaction;
    • our system was not working properly and you knew about the breakdown when you started the transaction; or
    • the error was due to extraordinary circumstances outside our control (such as fire, flood or loss of Internet connection), despite our reasonable precautions.

Processing errors are not:

  • Delays that result from PayPal applying holds, limitations or reserves.
  • Delays based on a payment review.
  • Delays described under How to buy something related to the time it may take for a purchase transaction to be completed in some situations.
  • Your errors in making a transaction (for example, mistyping an amount of money that you are sending).

Remittance Transfer Errors

What is a Remittance Transfer

You may be protected for certain errors when you send money using a PayPal account outside of the U.S. A “Remittance Transfer” is a transaction that meets the following criteria:

  • The payment is sent from a personal PayPal account that is used primarily for personal, family or household purposes,
  • The payment is made for personal, family or household purposes,
  • The payment is made using the send money feature through your PayPal account,
  • The payment amount equals or exceeds $15 U.S dollars (excluding fees charged to you) or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and
  • The recipient of the payment has a PayPal account in a country outside the U.S.

Payments that you make at a merchant website or location by selecting PayPal as a payment option are not “Remittance Transfers.”

 

What qualifies as a Remittance Transfer Error

A “Remittance Transfer Error” occurs if:

  • You paid an incorrect amount to send the Remittance Transfer. For example, you were charged more than the total shown on the remittance transfer receipt you received (unless the total shown on the receipt was an estimate, and the difference results from application of the actual exchange rate, fees, and taxes).
  • PayPal made a computational or bookkeeping error, such as a miscalculation of the amount the recipient received.
  • The amount stated in the remittance transfer receipt was not made available to the recipient, unless:
    • we stated in the remittance transfer receipt that we used estimates and the difference in the amount received and the amount stated in the remittance transfer receipt results from application of the actual exchange rate, fees, and taxes, or
    • the problem was caused by extraordinary circumstances outside our control.
  • Funds were available to the recipient later than the date of availability that was disclosed to you on the remittance transfer receipt or were not delivered, unless:
    • extraordinary circumstances outside our control caused the delay, and we could not reasonably anticipate those circumstances,
    • delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign Assets Controls or similar requirements, or
    • you (or someone assisting you) made the transfer with fraudulent intent.
  • You request documentation or information concerning the Remittance Transfer, such as information required to determine if a Remittance Transfer Error occurred.

 

What is not considered a Remittance Transfer Error

The following are NOT considered Remittance Transfer Errors:

  • An inquiry about the status of a Remittance Transfer, except where the funds from the transfer were not made available to a designated recipient by the disclosed date of availability,
  • A request for information for tax or other recordkeeping purposes,
  • A change requested by the designated recipient, or
  • A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure.

 

What to do if you think there has been a Remittance Transfer Error or problem

If you think there has been a Remittance Transfer Error or problem with your Remittance Transfer:

  • Call us at: (888) 221-1161.
  • Write us at: PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.
  • Log in to your PayPal account at paypal.com and go to the Resolution Center and dispute a transaction.

You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

  • Your name, address and telephone number,
  • The error or problem with the transfer, and why you believe it is an error or problem,
  • The name of the person receiving the funds, and if you know it, his or her telephone number or address,
  • The dollar amount of the transfer, and
  • The confirmation code or number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.

Other Legal Terms

Communications Between You and Us

If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal. You can decline to receive autodialed or prerecorded message calls or texts to your mobile phone number by updating your preferences in your PayPal account settings at www.paypal.com, by contacting customer support, by calling us at 1-844-629-9108, or by replying STOP to a message. The frequency of messages may vary, and standard telephone minute and text charges may apply. Neither we nor your phone carriers are liable for delayed or undelivered messages.

PayPal may communicate with you about your PayPal account and the PayPal services electronically as described in our Electronic Communications Delivery Policy. You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it’s delivered by mail, 3 Business Days after we send it.

Unless you’re communicating with us about a matter where we’ve specified another notice address (for example, our Liability for Unauthorized Transactions and Other Errors process), written notices to PayPal must be sent by postal mail to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131.

You understand and agree that, to the extent permitted by law, PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with PayPal may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by PayPal, and PayPal does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

PayPal’s Rights

PayPal suspension and termination rights

PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.

 

Security interest

As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account.

 

Amounts owed to PayPal

If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account(s), including a Balance Account. 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.

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 balance by using funds you maintain in a different currency. If you have a negative balance in non-U.S. dollars for a period of 21 days or longer, PayPal will convert this negative balance to U.S. dollars. In either case, a currency conversion will be necessary, and PayPal’s transaction exchange rate (including our currency conversion spread) will be used.

In addition to the above, if you have a past due amount owed to us, our affiliates, or eBay, PayPal may debit your PayPal account to pay any amounts that are past due. This includes amounts owed by using our various products such as Venmo, Xoom or Braintree.

 

Insolvency proceedings

If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, we’ll be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this user agreement.

 

Assumption of rights

If PayPal invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), you agree that PayPal assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in PayPal’s discretion.

 

No waiver

Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.

Indemnification and Limitation of Liability

In this section, we use the term “PayPal” to refer to PayPal, Inc., our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.

 

Indemnification

You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access 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 on your behalf.

 

Limitation of liability

PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with 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 this user agreement (however arising, including negligence), unless and to the extent prohibited by law.

Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages.

Disclaimer of Warranty and Release

No warranty

The PayPal services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.

 

Release of PayPal

If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

Agreement to Arbitrate

You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:

  • Affects your rights and will impact how claims you and we have against each other are resolved.
  • Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us.
  • Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice and the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time.

If a dispute arises between you and PayPal, acting as either a buyer or a seller, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the PayPal Help Center at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT.

Our Agreement

You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.

Prohibition of Class and Representative Actions and Non-Individualized Relief

You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect other PayPal customers.

Arbitration Procedures

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator(s) can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of this user agreement as a court would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, shall be for a court of competent jurisdiction to decide.

The arbitration will be conducted by the American Arbitration Association (referred to as the "AAA") under its rules and procedures, as modified by this Agreement to Arbitrate. For all claims in which the value of the relief sought is $10,000 or less, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. For all other claims, the AAA’s rules, including, as applicable, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. The AAA’s rules are available at www.adr.org. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court.

A party who intends to seek arbitration must first send the other party, by certified mail, a completed Notice of Dispute. You should send this notice to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including the email address and phone number associated with your PayPal account, a description of the nature and basis of the claims you are asserting, and the specific relief sought.

If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by PayPal, you or PayPal may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the AAA’s website at www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or PayPal may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and PayPal subject to the discretion of the arbitrator(s) to require an in-person hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer made by you or PayPal shall not be disclosed to the arbitrator(s).

The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator(s) shall not be bound by rulings in prior arbitrations involving different PayPal customers, but is/are bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. The award of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Costs of Arbitration

Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator(s) determine the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse PayPal for all fees associated with the arbitration paid by PayPal on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

Severability

With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.

Opt-Out Procedure

If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, 2211 North First Street, San Jose, CA 95131.

For your convenience, we are providing an opt-out notice form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.

Future Amendments to this Agreement to Arbitrate

Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your PayPal account within the 30-day period and you will not be bound by the amended terms.

Intellectual Property

PayPal’s trademarks

"PayPal.com," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal’s licensors. You may not copy, imitate, modify or use them without PayPal’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our fineprint 10 code written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal’s sponsorship or endorsement. 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.

 

License grants, generally

If you are using PayPal software such as an API, developer’s toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal’s software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. While PayPal may have (1) integrated certain third-party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third-party materials and technology to facilitate providing you with the PayPal Services, you have not been granted and do not otherwise retain any rights in or to any such third-party materials. 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. You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third-party materials integrated therein are owned by PayPal’s third-party service providers. Any other third-party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. 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.

 

License grant from you to PayPal; intellectual property warranties

PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal.

 

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Miscellaneous

Assignment

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Ever noticed all that coupon fine print on the coupons you use? What it all means, so that you can stay within the law.

I use coupons like money.

cash register clerk looking at fine print on customer's online phone coupon, text overlay "Understanding coupon fine print for beginners"

The more coupons I use, the less money that I have to take from my wallet.

In other words, coupons supplement my income.

Since I'm super into coupons (and a money geek), I decided it was time to talk about what all that coupon fine print means. What does “limit one per household” mean versus “limit one per person”? Do stores lose money when they accept coupons?

How did coupons start?

When I started to research all-things coupon fine print, I got even more fascinated in the subject.

Let me share with you what I've found + have learned from experience!

A Brief History of Coupons

It turns out, coupons have been in use for over 110 years, starting with a handwritten ticket for a free glass of coca-cola in 1894. Over 8 million free glasses were given out during that inaugural coupon campaign!

Dare I say that coca-cola became a mainstream product because of coupons?

Clipping coupons became mainstream in the 1930s with the Great Depression and peaked by 1965 with 50% of households using them.

That's really interesting, considering that a Nielsen study that took place in the midst of the recession (September 3, 2009) found that only 35% of US households use coupons.

And while historically people who needed help with bills used to use coupons and the affluent found them to be below them, the affluent are now the biggest class of coupon users.

How Do Store Coupons Work?

It turns out that stores treat coupons like money as well…because they are.

Large retail chains collect millions of dollars worth of coupons each week and have devised a system to get their reimbursements from the manufacturer, who ultimately pays for the cost fineprint 10 code the coupon campaign.

Here's what the process looks like:

  • Typically chain stores will send their coupons via mail to their headquarters after counting up their cash drawers (they include the value of all coupons collected in their count of cash).
  • At headquarters, the coupons remain separated by store, and are shipped to a third party clearinghouse for sorting.
  • The sorted coupons are then sent to the manufacturer with an invoice.
  • The clearinghouse is paid a shipping and handling fee as well as a certain amount of money per coupon for their sorting work.
  • The store is reimbursed the value of the coupon, plus a shipping and handling fee by the manufacturer (typically 8₵).

While researching this, I was amazed at how much processing and handling is involved with redeeming coupons. According to a white paper published in April 2007 by ScanAps,

“Coupons are the only cash instruments that are still counted, processed, settled and cleared manually. From the time a consumer submits a coupon to a cashier in the store, an average of eight pairs of hands physically touch every coupon before it is finally shredded and the retailer is reimbursed.”

I was also shocked at all of the different types of fraud involved at each point of this eight-hand process.

Pssst: Check this article out for my in-depth look at common types of coupon fraud, and individuals/groups that have incurred jail time + penalties for their crimes.

It's estimated that coupon fraud costs businesses, collectively, between $300 and $500 million per year.

Even so, do stores lose money on coupons?

Do Stores Lose Money on Coupons?

Coupon fraud aside, if stores accept coupons, do they lose money?

Let's turn back to the coupon fine print to answer this question.

Look at any coupon, and you'll see similar language to this:

“Retailer: We will pay you the face value plus 8¢ handling for each coupon sent to [address]&rdquo.

So, as long as the store accepts coupons according to their terms, then they will still bring in money when people use them on a product.

Coupon Fine Print – Coupon Wording Examples

Have you taken a look at your coupons lately?

There is a lot of fine print on coupons.

Before I put in all the research to find out what some of the nitty gritty means, I used to only look at the date to make sure it was not expired, the face value to see if I can get it doubled or tripled, and the product size to avoid any issues at checkout.

But what about the rest of that fine print?

I did recently and found some very interesting new language included in the fine print section of several coupons. I am not sure when the new print showed up, but as a frequent coupon user I can assure you that these changes have not been around for long. In fact, most of them seem to be in direct response to TLC’s Extreme Couponing show.

Thanks to some sour grapes in the consumer bunch and to the millions in lost sales due to the recession, manufacturers have added substantially to the fine print in coupons.

There is so much legalese on these little pieces of paper now that one must wonder if they are buying a loaf of bread or leasing a car.

The new coupon fine print can be summed up in a few categories:

  • limits on the number of coupons used
  • limits on the number of transactions made
  • prohibiting auctions of coupons
  • prohibiting use of coupons for products you intend to resale
  • limiting cashiers paying you money

1. Limit One Coupon Per Household

You'll see the following language on some coupons now:

“Limit of one coupon per household per day”

This is a usage limit and it means that only one of each type of coupon can be used per household each day (meaning, if you use a $0.35 coupon to purchase Colgate toothpaste on Monday, then your kids/spouse/live-in mother -in-law cannot use the same coupon again until Tuesday).

Basically, it's trying to combat couponers who have several (or 50) of one type of coupon from using them by handing them out to his/her family members who then can do separate transactions.

Speaking of transactions…

Limit of one Coupon Per Purchase: This does not mean per transaction, but per item. In other words, you may use one manufacturer coupon per product. If you have five products and five manufacturer coupons, you can use all five coupons in the same transaction. Please note that you can still use a store coupon in addition to your manufacturer’s coupon for one product.

Void if Copied, Sold, Exchanged, or Transferred: It turns out that there is a lot of fraud with coupon use from consumers, cashiers, stores, and clearinghouses (see below for the role of clearinghouses in all of this). One of the ways that consumers fraudulently use coupons is by scanning them and making copies on glossy paper that look like the originals. This is so prevalent (costing retailers and manufacturers an estimated $300-$500 million per year) because the barcodes on the Sunday paper coupon inserts are generally not unique. Another question with this fine print is whether or not it is legal to sell your coupons on sites such as eBay? See below.

Cash Value: Most coupons state that they have no cash value, or have a cash value of 1/20₵. It is illegal to sell something that has no cash value. So how do people and auction sites such as eBay get around this? Clipping coupons and selling them takes time, and so people actually sell their time as a service rather than sell the actual coupons themselves. EBay coupon auction listings typically include a statement that specifies that the coupons are free and the bidder is paying the seller for the service of procuring, clipping and compiling the coupon sets. Checkout eBay’s policy on selling coupons.

Do Not Double: Most coupons have instructions to not allow the doubling of their coupon. However, if the coupon barcode begins with the number 5, and your store doubles or triples coupons, then your coupon will act accordingly. If the coupon barcode begins with the number 9, then it will not double.

Retailer: The rest of the information on the coupon is directions for the retailer on how to redeem the coupon for reimbursement. This will include an address, the amount of shipping and handling or processing fees they will receive, etc. See below for more information on these terms.

2. What Does Limit of 4 Identical Coupons Mean?

If you see “limit of 4 identical coupons” in your coupon's fine print, then keep reading. You need to know if this means limit of 4 identical coupons per visit, per day, per transaction, per customer, or per person.

Lots of different options here!

3. What Does it Mean to Limit One Coupon Per Purchase?

Per purchase is different from per transaction. A purchase is each product within a transaction. The transaction is everything that is on the receipt you're given in the end.

So, what it means to limit one coupon per purchase is you can use one coupon per product in your entire transaction.

4. Limits on Number of Coupons Used Per Transaction

Your transaction is everything that is on one receipt.

It used to be that you could use one coupon per product per transaction. So if you wanted to purchase five bottles of mustard and use five coupons for mustard, this was legal.

If you have been watching TLC’s Extreme Couponing, you know by now that some people really have taken advantage of this one by either purchasing coupons online or otherwise gathering a large amount of them and then doing something crazy like purchasing an entire shelf of mustard and using 70 coupons in one transaction.

You'll see many coupons, such as P&G coupons, that now have the following coupon fine print:

“Limit of 4 Like Coupons in same shopping trip.”

P&G is not the only company to come out with this language; Colgate coupons now have similar new fine print:

“No more than four (4) coupons for the same product in same transaction.”

Ensure® released a coupon that states,

“Limit 1 coupon per transaction.”

5. Limits on Number of Transactions

The above language will help with the situation, but the obvious legal way around it is to separate your load into separate transactions — most cash register clerks are happy to oblige but it is a hassle for consumers and creates a long line.

Even so, extreme couponers will most likely not be thwarted by this (that’s right; don’t be surprised if you see one person in front of you with ten different transactions in the near future, and it won’t be me!).

In order to counteract this, some coupons are explicitly stating how many transactions per person are allowed with a type of coupon. For example, Scotch-Brite™ issued coupons for $1.00 off sponges with the following fine print:

“You can only redeem one coupon per day.”

Another way to say this same thing that you'll see in coupon fine print is:

“Limit one coupon per visit.”

6. Prohibiting Auctioning of Coupons

Coupons have always stated that they are not to be sold. However, sellers on eBay have gotten around this by stating that they are selling their time (by clipping the coupons for you).

As mentioned previously, eBay even has a policy that allows for the auctioning of coupons (you can only sell up to $100 or 25 valid, unexpired, original coupons per month). I bet there is a lawsuit in the works for this from manufacturers, as eBay clearly states this policy on its website.

In the meantime, coupons are now adding in language about auctions. P&G coupons now state explicitly that the coupon is

“Void if transferred, sold, auctioned, reproduced, or altered from the original.”

7. Prohibiting Use of Coupons on Products Intended for Resale

Have you ever been to a yard sale where the owners seem like they are running a drugstore? Or have you seen the toiletry lots auctioned off on eBay? These are from people who have couponed to get the product at a discount (or free) and then are reselling that product for a profit. P&G’s coupons now expressly prohibit this practice. They state,

“Coupons not authorized if purchasing products for resale.”

8. Limiting Cashiers Paying You

It is rare but entirely possible to have a cashier actually pay you money after you “purchase” a product. This occurs when the transaction total is negative due to sales and coupons (I have had this happen to me perhaps two times). It is called “overage” and typically gets absorbed from other products you have in your transaction (for example, if you have overage of $0.15 from purchasing a bottle of mustard, but you also are purchasing bread, than $0.15 will come off of the price of the bread). While this may sound like a scam in and of itself, it makes sense because the retailer will be reimbursed for the face value of the redeemed coupon (plus a shipping and handling fee of typically 8₵). If they don’t refund you the overage, then they are scamming the system.

Scotch-Brite’s ™ coupon now expressly prohibits this. It states,

“if a product costs less than face value of coupon, consumer is not entitled to any money back.”

Funny Coupon Fine Print

Did anyone else get sick and tired of hearing about all the sales and clearances during the Recession?

I never thought that statement would come out of my mouth, much less from my keyboard, but sales and clearances are being overdone. Most stores began using these on a daily basis, and so they've kind of lost their glamor.

I am under the impression that merchandise and services cannot be “on sale” or “on clearance” all the time, so it leads me to the conclusion that prices are being artificially inflated to begin with so that a respectable percentage can be taken off during the sales campaign and the consumer feels as though they are getting a good deal.

This practice has obviously been around before, but it seems to be everywhere since the beginning of the last Recession.

“Sale” and “Clearance” are used so much that unless you are having one of these, you can’t even compete among consumers — these words have become a cost of entry to the marketplace.

Since products and services cannot possibly be on sale or on clearance all the time, stores are finding ways to use these buzz words to attract consumers, but restrict their profit losses by adding in robust fine print language (check out other supermarket tricks for how to get consumers into their stores, and spending more money).

Not only that, but some funny coupon fine print — that is super restrictive and kind of ridiculous — came out of this time period as well that I'd like to share with you.

  • Macy’s Exclusions on 15% Off Sale: Macy’s has had more “one day” sales in the last few years than I care to count! Even though they seem to be quite generous with their sales, they are notorious for excessive exclusions. In this coupon from 2011, they're offering 15% off select departments…and honestly I don’t know which departments are left after this list of exclusions. From their website, this sale “EXCLUDES: 7 For All Mankind, Asics, Birkenstock, Born, CWX, Coach, Converse, Chantelle, Donatella, Ed Hardy, Emporio Armani, FitFlops, Goddess, Joe’s Jeans, Lacoste, Levi’s®, Minnetonka Fineprint 10 code, Nike footwear, Puma footwear, Reebok footwear, Skechers Shape-ups, Sofft, The North Face, Tretorn, Va Bien, baby gear, kids’ shoes, toys, cosmetics & fragrances, sunglasses, Sunglass Hut, select fashion jewelry & watches, gift cards. FOR HER: bridge & designer handbags, B.Tempt’d, DKNY lingerie, Dolce Vita, Donald Pliner, Felina, Impulse, Jezebel, Lauren by Ralph Lauren, Le Mystere, Lunaire, MICHAEL Michael Kors, Naturalizer, Not Your Daughter’s Jeans, Sperry Top-Sider, Wacoal. FOR HIM: Armani jeans, Cole Haan, Dockers®, Ecco shoes, Hugo Boss, Johnston & Murphy, Polo Ralph Lauren, Tommy Bahama. FOR THE HOME: All-Clad, J.A. Henckels, Le Creuset, Tempur-Pedic, Tumi, Wusthof, furniture, mattresses, rugs, lamps & lighting, electrics & electronics, regular-priced china, silver & crystal. Savings do not apply to Everyday Values, jewelry specials, Jewelry Super Buys, Specials, web busters™…
  • Shoes.com Sales: I found the following caveat for Shoes.com sales (from a 25% off sale for boots and shoes):  “All discounts, price matches, coupon and promotional codes, including the Friends and Family program, exclude bags, wallets and all regular-priced merchandise from the following brands: Adidas adistar Raven, Adidas Barricade 6.0, Adidas Supernova, Born, Born Crown, Brooks, Clarks England, Dr. Tuxedo, Dyeables, Frye (certain styles**), Hunter, Jonathan Kayne, Keen, Kork-Ease, K-Swiss, Livie & Luca, Liz Rene, Mephisto, Merrell, Minnetonka, Morgan & Milo, Olukai, Reebok Classic, Reebok Princess, Reebok RealFlex, Reebok Zig, Sofft, Softspots, Touch Ups, UGG Australia and Vintage Shoe Co.” On top of this, the following brands are excluded from all promotions: “Belted Harness, Campus, Dakota, Engineer, Harness, Heath, Jane, Jayden, Jesse, Melissa, Paige Tall and Veronica Slouch.” This is a total of 43 brand exclusions from a sale that is supposed to be for all boots and shoes.
  • PetSmart Sale Shipping Exclusions: On January 1, 2011 I was looking on the PetSmart website to price cat products (cat litter, dry food, and wet food). I had a coupon to use, and saw an advertisement from them stating that shipping was $5.99 on orders of $60 or more. I thought I could save myself a trip to the store. However, in the terms and conditions of the deal, it read:  “$5.99 shipping offer excludes purchases of dog food, cat food, cat litter, heavy items, or materials requiring special handling.” Even though I knew I was getting a really good deal with such a low shipping cost on heavy items, I thought it was kind of crazy for the exclusion of what the majority of people go to PetSmart for: cat food, dog food, and heavy pet items (and what is the definition of ‘heavy items’ anyway?). What probably happens is people do not figure this out until they are in checkout, and by then they don’t feel like emptying the cart and finding another website for shipping savings.

It is not likely that “sales” and “clearance” advertisements will end any time soon. After reading all of the exclusions above, I think that stores should start listing what is included in the sale or clearance instead of what is not. If nothing else, the fine print would shrink a bit.

Have you seen any new language lately in your coupon's fine print?

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Amanda L. Grossman is a Certified Financial Education Instructor, Plutus Foundation Grant Recipient, and founder of Frugal Confessions. Over the last 10 years, her money work helping people with how to save money and how to manage money has been featured in Kiplinger, Washington Post, U.S. News & World Report, Business Insider, LifeHacker, Woman's World, Woman's Day, ABC 13 Houston, Keybank, and more. Read more here.

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Источник: https://www.frugalconfessions.com/frugal-living/coupon-fine-print/

Groupon is all about saving you money by offering great local deals from businesses in your city, as well as coupon codes from retailers all over the country. There are also Groupon Goods and Getaway Deals that you can take advantage of to save even more money. Sometimes, you don't even need to use a Groupon promo code to get the best possible deal.

How to Save Money on Groupon

It might seem redundant to save money on this site that exists specifically to save you money, but savvy select customers who know the tricks of the trade can bring a purchase down to nearly nothing. Particularly advanced users don't even need a promo code to do it.

In the absence of in-store coupon stacking and price matching, here are the best tips to save even more with your Groupon coupon codes.

  • Sign up for a Groupon account and register for their newsletter and you’ll get a 25% off Groupon promo code for your first purchase.
  • Refer a friend and get $10 in Groupon Bucks once they buy their first deal. 
  • Keep an eye on Groupon’s Clearance page, which often lists deals upwards of 80% off.
  • Get free shipping on Groupon when you spend at least $35 on a product or look for a free shipping coupon code on this page.
  • You can combine products to hit the $35 minimum as well. Speaking of buying products, purchasing Groupon goods will earn you a promo code for 15% off Bonus Savings which can be used at a restaurant, spa or other local deal. Certain deals are excluded and you have to use it within 48 hours, but hey, free money.
  • While third-party vendors like Groupon can't offer free shipping, they have a convenient resource to get the best possible shipping rates from major retailers on the site. 
  • Read the fine print on your coupon code before you checkout. Individual retailers often come with their own particular fine print — don't get locked into a potentially non-refundable purchase before making sure you are eligible for the deal.

And if you can’t be bothered to check the site regularly, definitely subscribe to their emails, and follow Groupon on Facebook or Twitter so you don’t miss out on any great sales or Groupon coupon codes.

What Promo Codes Does Groupon Offer?

Before pulling the trigger on your already-discounted item, make sure you're getting the best Groupon promo codes. Look for 20-25% offers for local deals and Groupon Getaways. There are often exclusions to those offers, so make sure you read the fine print. Occasionally there will also be targeted promotions available to certain Groupon subscribers, such as $10 off any order.

How Do I Redeem My Groupon Coupon?

Bought your exciting new restaurant Groupon coupon and feel anxious about how to elegantly present your coupon code or voucher to your waiter? Fortunately, Groupon coupons often come with instructions under "View Details" on the My Groupons page. Select "How to Use" and it will tell you the best way to redeem that specific coupon, regardless of whether it's for home goods, a getaway or a full-body massage.

Sometimes, you don't need to do anything other than show your voucher, printed out or on your phone. This is often the case for local deals and live events that require tickets.

Watch Out for Deals of the Day

Keep an eye on the limited time Deals of the Day. This daily deals promo section is updated every 24 hours, so get in quick before time or stock runs out. These Groupon deals include a huge range of items including gadgets, home and car accessories and apparel. Hone your coupon code typing trigger fingers and your Deals of the Day checking reflex now, so you can clean up during the Black Friday Deals flash sale shuffle when the time comes.

Earn Groupon Bucks

Get rewarded for shopping with Groupon Bucks, credit that can be redeemed on future qualifying purchases. Sign up for an account and begin earning and spending Bucks with qualifying purchases right away. There are a few ways you can earn Groupon Bucks: 

  • Special promotions and purchases
  • Refunds (credit given as a refund does not expire)
  • Groupon gift cards

These credits automatically apply to your next qualifying purchases to give you even bigger savings.

How Do I Use the Groupon App? 

If you want to keep on top of the latest local deals and coupon codes from your favorite stores, signing up for the Groupon app just takes a minute. 

In addition to getting a streamlined feed of each promo code from the desktop site, you can also:

  • Receive $10 in Groupon Bucks when you make your first purchase via the mobile app.
  • Make it easier to redeem your voucher for travel deals and live events.
  • Access high-demand discounts and coupons where supplies may be limited. 

Refer a Friend and Earn $10 in Groupon Bucks

Tell your friends and family about Groupon by sharing your custom link with them. If your friends create an account and make a purchase within 72 hours, you earn $10 Groupon Bucks. 

Groupon Student Discount 

If you're a college student, sign up for Groupon's Student Program to receive an extra 25% off local Groupon deals. You'll receive 25% off during your first six months, and as long as you're still a student, you'll still be eligible to receive a 15% discount off qualifying orders after that. Your maximum savings is $20 and you'll need your student identification to sign up. 

Groupon Refund Policy

Groupon has a fair refund policy, so there isn’t much risk involved with trying out a product or service found on their site. 

  • Any unredeemed voucher can be refunded within three days from time of purchase. All sales are final after that, but your voucher is always worth at least the amount you paid for it, regardless if the promotional value has expired or not.
  • If you are unsatisfied with what you paid for, Groupon claims they will try to “make it right” within 14 days.
  • If you buy a trip voucher through Groupon Getaways but aren’t able to book the trip you want, you have until the book-by-date to request a full refund.
  • Groupon Goods products can always be returned (unless otherwise specified) within 14 days of receipt.
  • Tickets bought via GrouponLive are only refundable the same day you bought them. Unless the event is canceled or rescheduled you won’t be able to get your money back.

Contact Groupon

You can call their customer service or use their live chat option on their website. Just select the order in question in the help wizard and fill out what the issue is in the field provided. On the third screen, you will be paired up with a customer service rep.

Enjoy massive discounts and free gifts with the Spotify Black Friday deals 2021. The music streaming service is known to extend its Black Friday offerings until the end of the year, so keep your eyes peeled for the latest news on its Black Friday deals. 

Snag Big Markdowns on Spotify Premium Subscription Fees

For its 2021 Black Friday promotions, the streaming platform gifted new and trial Spotify Premium subscribers with a $0.99 subscription fee for three months — on top of its regular 30-day free trial offering. Regular premium subscriptions cost $9.99 a month. For the 2021 Spotify Black Friday sale, you can look forward to similar or even sweeter deals.

Score Freebies on Spotify Premium Subscriptions for Family

For Black Friday 2021, the service treated Spotify Premium Family subscribers to a free Google Home mini. Spotify even ran the deal until the end of December 2021 to reward more users. With its Spotify Black Friday deals 2021, the retailer is expected to raise the bar in terms of gifts and giveaways bundled with its premium subscriptions.

Join the Spotify Rock Star Program for More Rewards

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HEALTHCARE HEROES

Nurses, Medical Providers, and Hospital Employees who are legal U.S. residents and 18 or older are eligible for the Healthcare Heroes Burrito Giveaway (“Offer”). Please visit https://help.id.me/hc/en-us/categories/200162894-Verifying-My-Group-Military-Student- to confirm you are eligible. Beginning at or around 10:00 a.m. Pacific Time (“PT”) on April 29, 2021, while supplies of codes last, to apply, please visit https://giving.chipotle.com/healthcareheroes and follow the directions to complete and submit the application form, including providing a copy of your employee I.D. or other information required by ID.me to verify your employment and eligibility. Codes will be provided on a first come, first served basis.  Limit one (1) application per person. Upon submission, your application will be verified and you will be sent an email within seven (7) days of submission confirming your eligibility (“Notification Email”). If you are eligible and verified for the Offer, your Notification Email will include a code redeemable for one (1) adult entrée. Eligibility will be determined by Chipotle Mexican Grill, Inc. (“Chipotle”), in its sole discretion. 250,000 codes will be available.

Code is redeemable for one (1) free regular-priced adult entrée.  Valid for one-time use for orders through participating Chipotle locations in the US. Code expires on 5/31/2021. Redemption is subject to availability. Not valid on catering orders or delivery orders through third-party platforms. Restrictions may apply to use with other coupons, promotions, or special offers. Void if reproduced, altered or shared (including online or through a mobile device or app) and where prohibited. Code will not be replaced if lost or stolen. Not redeemable for cash. 

Internet distribution of code is strictly prohibited and codes that are purchased, traded, bartered, sold or auctioned may result in code being voided. Codes are provided “as is” with no warranty or guarantee. Any code that is generated by script, macro or other automated means or by any means which subvert the redemption process is void. A code is void if not obtained from authorized and legitimate channels, or if the code is, in whole or in part, illegible, incomplete, damaged, irregular, altered, counterfeit, produced in error or obtained via fraud or theft.  Released Parties (as defined below) are not liable for printer errors or issuance of any void, misprinted, or irregular code resulting from production problems or errors. Liability for an irregular code is limited to providing another code, while supplies last, subject to verification of original code irregularity. Released Parties are not responsible for lost, late, incomplete, damaged, delayed, inaccurate, stolen, misdirected, undelivered, or garbled applications, Notification Emails, other emails, codes or other communications of any kind; or for errors or difficulties of any kind relating to the Offer. Chipotle reserves the right to cancel or modify the Offer at any time. Chipotle, its parent, affiliates, subsidiaries, service providers, partners, and advertising and promotion agencies, and all of their respective officers, directors, employees, representatives and agents (collectively, “Released Parties”) will have no liability whatsoever for, and shall be held harmless against, any liability, for any injuries, losses or damages of any kind, including death, to persons, or property resulting in whole or in part, directly or indirectly, from participation in this Offer. Void where prohibited. Subject to all applicable federal, state and local laws. Valid only in the U.S.A. Personal information you provide in connection with this Offer will be used in accordance with Chipotle’s Privacy Policy, available at https://www.chipotle.com/about-us/privacy-policy and ID.me’s privacy policy available at  https://www.id.me/privacy (as applicable). Offered by Chipotle Mexican Grill, Inc.

Источник: https://www.chipotle.com/healthcareheroes

Voltage Drop Calculations

Main Article   Part Two  

Part ONE

The purpose of the National Electrical Code is the practical safeguarding of persons Snagit 2021.4.3 Crack With Serial Key Free Download [Latest] property from hazards arising by the use of electricity. The NEC does not generally consider voltage drop to be a safety issue. As a result, the NEC contains six recommendations (Fine Print Notes) that circuit conductors be sized sufficiently large enough so that reasonable efficiency uTorrent 3.5.4 Beta 44488 Latest Version - Crack Key For U equipment operation can be provided. In addition, the NEC has five rules that required conductors be sized to accommodate the voltage drop of the circuit conductors.

Fine Print Notes in the NEC are for informational purposes only and are not enforceable by the inspection authority [90-5(c)]. However, Section 110-3(b) requires equipment to be installed in accordance with the equipment instructions. Therefore, electrical equipment must be installed so that it operates within its voltage rating as specified by the manufacturer. Figure 1.

Author’s Comment: Figures are not posted on the internet.

Due to voltage drop within the circuit conductors, the operating voltage at electrical equipment will be less than the output voltage of the power supply. Inductive loads (i.e. motors, ballasts, etc.) that operate at voltage below its rating can overheat resulting in shorter equipment operating life and increased cost, as well as inconvenience for the customer. Under-voltage for sensitive electronic equipment such as computers, laser printers, copy machines, etc., can cause the equipment to lock up or suddenly power down resulting in data loss, increased cost and possible equipment failure. Resistive loads (heaters, incandescent lighting) that operate at under-voltages simply will not provide the expected rated power output, Figure 1.

Author’s Comment: Voltage drop on the conductors can cause incandescent lighting to flicker when other appliances, office equipment, or heating and cooling systems cycle on. Though this might be annoying for some, it’s not dangerous and it does not violate the NEC.

NEC RECOMMENDATIONS

The National Electrical Code contains six Fine Print Notes to alert the Code user that equipment can have improved efficiency of operation if conductor voltage drop is taken into consideration.

1. Branch Circuits – This FPN recommends that branch circuit conductors be sized to prevent a maximum voltage drop of 3%. The maximum total voltage drop for a combination of both branch circuit and feeder should not exceed 5%. [210-19(a) FPN No. 4], Figure 2.

2. Feeders – This FPN recommends that feeder conductors be sized to prevent a maximum voltage drop of 3%. The maximum total voltage drop for a combination of both branch circuit and feeder should not exceed 5%. [215-2(d) FPN No. 2], Figure 2.

Example: What is the minimum NEC recommended operating voltage for a 120 volt load that is connected to a 120/240-volt source, Figure 3 (8-11).

(a) 120 volts                 (b) 115 volt                  (c) 114 volts                 (d) 116 volts

Answer: (c) 114 volts The maximum conductor voltage drop recommended for both the feeder and branch circuit is 5 percent of the voltage source; 120 volts x 5% = 6 volts. The operating voltage at the load is determined by subtracting the conductor’s voltage drop from the voltage source, 120 volts – 6 volts drop = 114 volts.

3. Services – Interestingly there is no recommended voltage drop for service conductors, but this FPN reminds the Code user to consider voltage drop of the service conductors [230-31(c) FPN].

Author’s Comment: Voltage drop on long service conductors can cause incandescent lighting in the building to flicker when appliances, heating or cooling systems cycle on. For information on how to solve or reduce incandescent lighting flicker, go to: www.mikeholt.com/Newsletters.

4. Conductor Ampacity – This FPN identifies the fact that the ampacities listed in Table 310-16 do not take voltage drop into consideration [310-15 FPN No. 1].

5. Phase Converters – Phase converters have their own recommendation that the voltage drop from the power supply to the phase converter should not exceed 3% [455-6(a) FPN].

6. Recreational Vehicle Parks – Recreational Vehicles have a recommendation that the maximum voltage drop for branch circuit conductors not exceed 3% and the combination of both the branch and feeder not to exceed 5% [210-19(a) FPN No. 4 and 551-73(d) FPN].

NEC REQUIREMENTS

The National Electrical Code also contains five rules requiring circuit conductors to be increased in size to accommodate voltage drop.

Grounding Conductors – This rule states that where circuit conductors are increased in size to compensate for voltage drop, the equipment grounding autodesk inventor 2020 keygen - Free Activators conductors must also be increased in size [250-122(b)].

Author’s Comment: If, however, the Zoom Player MAX 16.1 Crack + Serial Key Free Download conductors are not increased in size to accommodate voltage drop, then the equipment grounding conductor is not required to be larger than listed in Table 250-122.

Motion Picture/Television Studios – Branch circuit conductor for 60/120 volt systems used to reduce noise in audio/video production or other similar sensitive electronics for motion and television studios must not exceed 1.5%, and the combined voltage drop of the feeder and branch circuit conductors must not exceed 2.5% [530-71(d)]. In addition, FPN No. 1 to Section 530-72(b) reminds the Code user to increase the size of the grounding conductor in accordance with Section 250-122(b).

Fire Pumps – The operating voltage at the terminals of a fire pump controller must not be less than 15% from the voltage rating of the controller while the motor is starting (lock-rotor current). In addition, the operating voltage at the terminals of the fire pump motor must not be less than 5% from the voltage rating of the motor when the motor is operating at 115 percent of it full-load current rating [695-7].

Author’s Comment: Next month in this article, I’ll give examples and graphics demonstrating the application of the NEC voltage drop rules.

DETERMINING CIRCUIT VOLTAGE DROP

When the circuit conductors have already been installed, the voltage drop of the conductors can be determined by one of two methods: Ohm’s law or the VD formula.

Ohm’s Law Method – Single-Phase Only

Voltage drop of the circuit conductors can be determined by multiplying the current of the circuit by the total resistance of the circuit conductors: VD = I x R. “I” is equal to the load in amperes and ”R” is equal to the resistance of the conductor as listed in Chapter 9, Table 8 for direct current circuit, or in Chapter 9, Table 9 for alternating current circuits. The Ohm’s law method cannot be used for three-phase circuits.

120 volt Example: What is the voltage drop of two No. 12 conductors that supply a 16 ampere, 120 volt load which is located 100 feet from the power supply (200 feet of wire), Figure 4.

(a) 3.2 volts                  (b) 6.4 volts                  (c) 9.6 volts                  (d) 12.8 volts

Answer: (b) 6.4 volts

Voltage Drop = I x R

“I” is equal to 16 amperes

“R” is equal to 0.4 ohms (Chapter 9, Table 9: (2 ohm/1,000 feet) x 200 feet

Voltage Drop = 16 amperes x 0.4 ohms

Voltage Drop = 6.4 volts, (6.4 volts/120 volts = 5.3% volts drop)

Operating Voltage = 120 volts – 6.4 volts

Operating Voltage = 113.6 volts

Author’s Comment: The 5.3% voltage drop for the above branch circuit exceeds the NEC’s recommendations of 3%, but it does not violate the NEC unless the 16 ampere load is rated less than 113.6 volts [110-3(b)].

240 volt Single-Phase Example: What is the operating voltage of a 44 ampere, 240 volt, single-phase load located 160 feet from the panelboard, if it is wired with No. 6 conductors, Figure 5?

(a) 233.1 volts              (b) 230.8 volts              (c) 228.4 volts              (d) 233.4 volts

Answer: (a) 233.1 volts

Voltage Drop = I x R

“I” is equal to 44 amperes

“R” is equal to 0.157 ohms (Chapter 9, Table 9: (.49 ohm/1,000 feet) x 320 feet

Voltage Drop = 44 amperes x 0.157 ohms

Voltage Drop = 6.9 volts, (6.9 volts/240 volts = 2.9% volts drop)

Operating Voltage = 240 volts – 6.9 volts

Operating Voltage = 233.1 volts

Voltage Drop Using the Formula Method

When the circuit conductors have already been installed, the voltage drop of the conductors can be determined by using one of the following formulas:

VD = 2 x K x Q x I x D/CM - Single Phase

VD = 1.732 x K x Q x I x D/CM - Three Phase

“VD” = Volts Dropped: The voltage drop of the circuit conductors as expressed in volts.

“K” = Direct Current Constant: This is a constant that represents the direct current resistance for a one thousand circular mils conductor that is one thousand feet long, at an operating temperature of 75º C. The direct current constant value to be used for copper is 12.9 ohms and 21.2 ohms is used for aluminum conductors. The “K” constant is suitable for alternating current circuits, where the conductors do not exceed No. 1/0.

“Q” = Alternating Current Adjustment Factor: Alternating current circuits No. 2/0 and larger must be adjusted for the effects of self-induction (skin effect). The "Q" adjustment factor is determined by dividing alternating current resistance as listed in NEC Chapter 9, Table 9, by the direct current resistance as listed in Chapter 9, Table 8.

“I” = Amperes: The load in amperes at 100 percent, not 125 percent for motors or continuous loads.

“D” = Distance: The distance the load is located from the power supply, not the total length of the circuit conductors.

“CM” = Circular-Mils: The circular mils of the circuit conductor as listed in Chapter 9, Table 8.

Single-Phase Example: What is the voltage drop for a No. 6 conductor that supplies a 44 ampere, 240 volt, single-phase load located 160 feet from the panelboard, Figure 6?

(a) 4.25 volts                (b) 6.9 volts                  (c) 3 percent                 (d) 5 percent

Answer: (b) 6.9 volts

VD = 2 x K x I x D/CM

K = 12.9 ohms, Copper

I = 44 amperes

D = 160 feet

CM = No. 6, 26,240 circular mils, Chapter 9, Table 8

VD = 2 wires x 12.9 ohms x 44 amperes x 160 feet/26,240 Circular Mils

VD = 6.9 volts, (6.9 volts/240 volts = 2.9% volts drop)

Operating Voltage = 240 volts – 6.9 volts

Operating Voltage = 233.1 volts

Three-Phase Example: A three-phase 208 volt, 36 kVA load is located 80 feet from the panelboard and it is wired with No. 1 aluminum conductors. What is the voltage drop of the conductors to the equipment disconnect, Figure 7?

(a) 3.5 volts                  (b) 7 volts                     (c) 3 percent                 (d) 5 percent

Answer: (a) 3.5 volts

VD = 1.732 x K x I x D/CM

K = 21.2 ohms, Aluminum

I = 100 amperes

D = 80 feet

CM = No. 1, 83,690 circular mils, Chapter 9, Table 8

VD = 1.732 x 21.2 ohms x 100 amperes x 80 feet/83,690 Circular Mils

VD = 3.5 volts (3.5 volts/208 volts = 1.7%)

Operating Voltage = 208 volts – 3.5 volts

Operating Voltage = 204.5 volts

I hope this short summary was helpfull. If you want to know more about this subject, please attend our seminar or order our home study video program today.

Источник: https://www.mikeholt.com/technnical-voltage-drop-calculations-part-one.php
fineprint 10 code

Fineprint 10 code -

Software: Machine Code and Programming Languages

  • A large program like Firefox.exe is a big block of machine code
  • It's very rare for a person to write machine code directly
  • Instead, we write code in one of many "programming languages"
    - e.g. Java, Javascript, Python, C, C++

Programming Languages - In Translation

  • CPU machine code is the "native" language of the CPU
  • CPU machine code instructions are extremely simple
  • Hard to get much done with such simple instructions
  • Programming languages have "high level" features, like print
  • There is no single machine code instruction that prints
  • So how do programming languages work?
  • Programming languages work in translation to machine code
  • In Javascript, the print statement is translated to, say, 10 machine code instructions
  • These 10 instructions, when run, perform the print command

source code translated to machine code

Source Code Translation

Two worlds...

  • Source Code
  • 1. The "source code" of the program, written in a programming language (e.g. Javascript for CS101)
  • The source code defines the behavior of the program
  • A human can read and edit the source code
  • But source code does not "run" on the CPU directly
  • Machine Code
  • The CPU understands machine code
  • Only machine code can actually run on the CPU
  • The source code is translated to machine code, and that translation runs on the CPU
  • Extra for the curious:
  • 1. The translation can be done ahead of time by a "compiler"
    -e.g. Firefox source code compiled to yield Firefox.exe
  • 2. The translation can be done on-the-fly
    -This is how CS101 works
    -You type Javascript source code into the browser
    -It is translated at the moment you click Run

Source Code = Control

  • Having the .exe allows one to run the program but not change it
  • How to change a program? (feature or bug-fix)
  • Make a change in the source code (human readable)
  • Now the program (in translation) runs the changed way
  • The source code is the real definition of the program
  • The machine code is the way it runs
  • Source Code = control, the ability to change the program
  • Machine code .exe file = you can run it, but that's it

Traditional Proprietary Software - e.g. Microsoft Word

  • e.g. Microsoft Word
  • Microsoft owns and controls the source code
  • Microsoft sells you Word.exe and permission to run it
    - You just have the machine code!
  • Word has lots of valuable features, and you pay Microsoft for the right to use it
  • The classic vendor-customer market which we all use all the time
  • Control: Microsoft has all the control, customer can just buy or not
    Competition is what keeps companies in check in a market

The Open Source Software Miracle

  • Open Source Software is incredibly widespread
  • Computers, phones, the internet .. built with tons of open source software
  • Open source software is free; no vendor is paid
  • No $$$ -> how does this ever get written?
  • Aside: capitalism has many frustrating qualities
    -Study open source software
    -Counter to capitalism and yet super popular
  • Examples of open source software:
    • Linux operating system
    • The Android operating system (95% of it)
    • Parts of Mac OS X (50%?)
    • The Chrome Browser (!!!)
    • The Firefox Browser
    • The MySQL database system
    • The GCC compiler
    • Computer languages: C, C++, Python, Java, Javascript
  • Any computer/phone/site you use, there's lots of open-source software in the "stack"

Open Source Software

  • Free Software Foundation
    -1985 Richard Stallman
    -A revolutionary who believed users should have the right to see/edit their software
    -"Freedom" driven (more philosopher, less economist)
    -(slowly) turned out to be a great model in and out of the for-profit world

How Open Source Works

  • Open Source software - a legal structure
  • (there are many variants, so this is a high-level view)
  • 1. source code - The source code is freely available
    -Typically the software does not cost anything
    -It can be used in profit-making enterprises
    -How does it come to exist? (see below)
  • 2. right to modify The software includes a legal right to make modifications
    -And the right to use and distribute these modifications
  • 3. contribute back changes
    -If someone adds a feature or fixes a bug in the source code
    -There are incentives to contribute that change back to the shared source code
    -In some licenses, conribute-back is obligatory
    -There is some sort of board that decides to accept code contributions
  • Basically the opposite of the Proprietary-Fine-Print!
  • Open Source Social Contract:
    -Here is great software and you are free to use and change it
    -If you add a great feature, contribute it back so others may use it

Beat Cal Example

  • The Chrome browser is open source, therefore you could...
  • 1. Download the chrome source code ("chromium")
  • 2. Modify the source code so every page it displays says "Beat Cal" at the top
  • 3. Distribute your new version of "Chrome"
    -You'd have to call it something else ... Chrome is trademarked
  • 4. For a real feature, you might contribute the change back to the main Chrome source code
  • Key: you have control, not the vendor

Open Source Example: GCC

  • GCC is a widely used "compiler"
  • An important and very complicated piece of software infrastructure
    Aside: a compiler translates source code into runnable machine code
  • GCC is open source under the GPL open source license
  • 1. Free GCC costs no money to use, just download it
  • 2. Source code The source code of GCC is available
    - fix a bug or add a feature you want to GCC
  • 3. Contribute there are incentives to contribute changes back to the main GCC source code

Central question: Who Builds Something That Is Distributed For Free?

  • i.e. How does open source software come to exist?
  • Apple, Google, Facebook, Redhat, Oracle, Twitter all use GCC
  • Some of these companies are competitors
  • Many of them contribute bug fixes, features back to GCC
    -They fix the bug because they want it fixed for themselves first
    -But the contributions then flow to all, including their competitors

So what is the result...

  • How open source gets picked up by Apple, Google, ...
  • They need something like GCC infrastructure to exist
  • They all use GCC
  • They all contribute to GCC
  • The benefits of the contributions will flow to all (competitors)
  • Therefore
  • 1. We all get the benefit of free, high quality infrastructure piece
  • 2. BUT nobody is going to have competitive advantage from GCC
  • Result:
    -GCC is a free infrastructure piece
    -Maintained and used by all
    -Not a source of competitive advantage ("cudgel")

Open Source Conclusion

  • Software has many layers where you want something to work reliably
  • Open source provides
    -free
    -widely used, high quality
    -maintained collectively
    -provides no advantage vs. competitors
  • Conclusion: for many niches, free + high-quality is an appealing tradeoff
  • Proprietary software is not dead, but open source dominates many areas
  • Ultimately we all benefit: avoid work duplication
  • That's how your computer systems work today!
Источник: https://web.stanford.edu/class/cs101/software-2.html

Ever noticed all that coupon fine print on the coupons you use? What it all means, so that you can stay within the law.

I use coupons like money.

cash register clerk looking at fine print on customer's online phone coupon, text overlay "Understanding coupon fine print for beginners"

The more coupons I use, the less money that I have to take from my wallet.

In other words, coupons supplement my income.

Since I'm super into coupons (and a money geek), I decided it was time to talk about what all that coupon fine print means. What does “limit one per household” mean versus “limit one per person”? Do stores lose money when they accept coupons?

How did coupons start?

When I started to research all-things coupon fine print, I got even more fascinated in the subject.

Let me share with you what I've found + have learned from experience!

A Brief History of Coupons

It turns out, coupons have been in use for over 110 years, starting with a handwritten ticket for a free glass of coca-cola in 1894. Over 8 million free glasses were given out during that inaugural coupon campaign!

Dare I say that coca-cola became a mainstream product because of coupons?

Clipping coupons became mainstream in the 1930s with the Great Depression and peaked by 1965 with 50% of households using them.

That's really interesting, considering that a Nielsen study that took place in the midst of the recession (September 3, 2009) found that only 35% of US households use coupons.

And while historically people who needed help with bills used to use coupons and the affluent found them to be below them, the affluent are now the biggest class of coupon users.

How Do Store Coupons Work?

It turns out that stores treat coupons like money as well…because they are.

Large retail chains collect millions of dollars worth of coupons each week and have devised a system to get their reimbursements from the manufacturer, who ultimately pays for the cost of the coupon campaign.

Here's what the process looks like:

  • Typically chain stores will send their coupons via mail to their headquarters after counting up their cash drawers (they include the value of all coupons collected in their count of cash).
  • At headquarters, the coupons remain separated by store, and are shipped to a third party clearinghouse for sorting.
  • The sorted coupons are then sent to the manufacturer with an invoice.
  • The clearinghouse is paid a shipping and handling fee as well as a certain amount of money per coupon for their sorting work.
  • The store is reimbursed the value of the coupon, plus a shipping and handling fee by the manufacturer (typically 8₵).

While researching this, I was amazed at how much processing and handling is involved with redeeming coupons. According to a white paper published in April 2007 by ScanAps,

“Coupons are the only cash instruments that are still counted, processed, settled and cleared manually. From the time a consumer submits a coupon to a cashier in the store, an average of eight pairs of hands physically touch every coupon before it is finally shredded and the retailer is reimbursed.”

I was also shocked at all of the different types of fraud involved at each point of this eight-hand process.

Pssst: Check this article out for my in-depth look at common types of coupon fraud, and individuals/groups that have incurred jail time + penalties for their crimes.

It's estimated that coupon fraud costs businesses, collectively, between $300 and $500 million per year.

Even so, do stores lose money on coupons?

Do Stores Lose Money on Coupons?

Coupon fraud aside, if stores accept coupons, do they lose money?

Let's turn back to the coupon fine print to answer this question.

Look at any coupon, and you'll see similar language to this:

“Retailer: We will pay you the face value plus 8¢ handling for each coupon sent to [address]”.

So, as long as the store accepts coupons according to their terms, then they will still bring in money when people use them on a product.

Coupon Fine Print – Coupon Wording Examples

Have you taken a look at your coupons lately?

There is a lot of fine print on coupons.

Before I put in all the research to find out what some of the nitty gritty means, I used to only look at the date to make sure it was not expired, the face value to see if I can get it doubled or tripled, and the product size to avoid any issues at checkout.

But what about the rest of that fine print?

I did recently and found some very interesting new language included in the fine print section of several coupons. I am not sure when the new print showed up, but as a frequent coupon user I can assure you that these changes have not been around for long. In fact, most of them seem to be in direct response to TLC’s Extreme Couponing show.

Thanks to some sour grapes in the consumer bunch and to the millions in lost sales due to the recession, manufacturers have added substantially to the fine print in coupons.

There is so much legalese on these little pieces of paper now that one must wonder if they are buying a loaf of bread or leasing a car.

The new coupon fine print can be summed up in a few categories:

  • limits on the number of coupons used
  • limits on the number of transactions made
  • prohibiting auctions of coupons
  • prohibiting use of coupons for products you intend to resale
  • limiting cashiers paying you money

1. Limit One Coupon Per Household

You'll see the following language on some coupons now:

“Limit of one coupon per household per day”

This is a usage limit and it means that only one of each type of coupon can be used per household each day (meaning, if you use a $0.35 coupon to purchase Colgate toothpaste on Monday, then your kids/spouse/live-in mother -in-law cannot use the same coupon again until Tuesday).

Basically, it's trying to combat couponers who have several (or 50) of one type of coupon from using them by handing them out to his/her family members who then can do separate transactions.

Speaking of transactions…

Limit of one Coupon Per Purchase: This does not mean per transaction, but per item. In other words, you may use one manufacturer coupon per product. If you have five products and five manufacturer coupons, you can use all five coupons in the same transaction. Please note that you can still use a store coupon in addition to your manufacturer’s coupon for one product.

Void if Copied, Sold, Exchanged, or Transferred: It turns out that there is a lot of fraud with coupon use from consumers, cashiers, stores, and clearinghouses (see below for the role of clearinghouses in all of this). One of the ways that consumers fraudulently use coupons is by scanning them and making copies on glossy paper that look like the originals. This is so prevalent (costing retailers and manufacturers an estimated $300-$500 million per year) because the barcodes on the Sunday paper coupon inserts are generally not unique. Another question with this fine print is whether or not it is legal to sell your coupons on sites such as eBay? See below.

Cash Value: Most coupons state that they have no cash value, or have a cash value of 1/20₵. It is illegal to sell something that has no cash value. So how do people and auction sites such as eBay get around this? Clipping coupons and selling them takes time, and so people actually sell their time as a service rather than sell the actual coupons themselves. EBay coupon auction listings typically include a statement that specifies that the coupons are free and the bidder is paying the seller for the service of procuring, clipping and compiling the coupon sets. Checkout eBay’s policy on selling coupons.

Do Not Double: Most coupons have instructions to not allow the doubling of their coupon. However, if the coupon barcode begins with the number 5, and your store doubles or triples coupons, then your coupon will act accordingly. If the coupon barcode begins with the number 9, then it will not double.

Retailer: The rest of the information on the coupon is directions for the retailer on how to redeem the coupon for reimbursement. This will include an address, the amount of shipping and handling or processing fees they will receive, etc. See below for more information on these terms.

2. What Does Limit of 4 Identical Coupons Mean?

If you see “limit of 4 identical coupons” in your coupon's fine print, then keep reading. You need to know if this means limit of 4 identical coupons per visit, per day, per transaction, per customer, or per person.

Lots of different options here!

3. What Does it Mean to Limit One Coupon Per Purchase?

Per purchase is different from per transaction. A purchase is each product within a transaction. The transaction is everything that is on the receipt you're given in the end.

So, what it means to limit one coupon per purchase is you can use one coupon per product in your entire transaction.

4. Limits on Number of Coupons Used Per Transaction

Your transaction is everything that is on one receipt.

It used to be that you could use one coupon per product per transaction. So if you wanted to purchase five bottles of mustard and use five coupons for mustard, this was legal.

If you have been watching TLC’s Extreme Couponing, you know by now that some people really have taken advantage of this one by either purchasing coupons online or otherwise gathering a large amount of them and then doing something crazy like purchasing an entire shelf of mustard and using 70 coupons in one transaction.

You'll see many coupons, such as P&G coupons, that now have the following coupon fine print:

“Limit of 4 Like Coupons in same shopping trip.”

P&G is not the only company to come out with this language; Colgate coupons now have similar new fine print:

“No more than four (4) coupons for the same product in same transaction.”

Ensure® released a coupon that states,

“Limit 1 coupon per transaction.”

5. Limits on Number of Transactions

The above language will help with the situation, but the obvious legal way around it is to separate your load into separate transactions — most cash register clerks are happy to oblige but it is a hassle for consumers and creates a long line.

Even so, extreme couponers will most likely not be thwarted by this (that’s right; don’t be surprised if you see one person in front of you with ten different transactions in the near future, and it won’t be me!).

In order to counteract this, some coupons are explicitly stating how many transactions per person are allowed with a type of coupon. For example, Scotch-Brite™ issued coupons for $1.00 off sponges with the following fine print:

“You can only redeem one coupon per day.”

Another way to say this same thing that you'll see in coupon fine print is:

“Limit one coupon per visit.”

6. Prohibiting Auctioning of Coupons

Coupons have always stated that they are not to be sold. However, sellers on eBay have gotten around this by stating that they are selling their time (by clipping the coupons for you).

As mentioned previously, eBay even has a policy that allows for the auctioning of coupons (you can only sell up to $100 or 25 valid, unexpired, original coupons per month). I bet there is a lawsuit in the works for this from manufacturers, as eBay clearly states this policy on its website.

In the meantime, coupons are now adding in language about auctions. P&G coupons now state explicitly that the coupon is

“Void if transferred, sold, auctioned, reproduced, or altered from the original.”

7. Prohibiting Use of Coupons on Products Intended for Resale

Have you ever been to a yard sale where the owners seem like they are running a drugstore? Or have you seen the toiletry lots auctioned off on eBay? These are from people who have couponed to get the product at a discount (or free) and then are reselling that product for a profit. P&G’s coupons now expressly prohibit this practice. They state,

“Coupons not authorized if purchasing products for resale.”

8. Limiting Cashiers Paying You

It is rare but entirely possible to have a cashier actually pay you money after you “purchase” a product. This occurs when the transaction total is negative due to sales and coupons (I have had this happen to me perhaps two times). It is called “overage” and typically gets absorbed from other products you have in your transaction (for example, if you have overage of $0.15 from purchasing a bottle of mustard, but you also are purchasing bread, than $0.15 will come off of the price of the bread). While this may sound like a scam in and of itself, it makes sense because the retailer will be reimbursed for the face value of the redeemed coupon (plus a shipping and handling fee of typically 8₵). If they don’t refund you the overage, then they are scamming the system.

Scotch-Brite’s ™ coupon now expressly prohibits this. It states,

“if a product costs less than face value of coupon, consumer is not entitled to any money back.”

Funny Coupon Fine Print

Did anyone else get sick and tired of hearing about all the sales and clearances during the Recession?

I never thought that statement would come out of my mouth, much less from my keyboard, but sales and clearances are being overdone. Most stores began using these on a daily basis, and so they've kind of lost their glamor.

I am under the impression that merchandise and services cannot be “on sale” or “on clearance” all the time, so it leads me to the conclusion that prices are being artificially inflated to begin with so that a respectable percentage can be taken off during the sales campaign and the consumer feels as though they are getting a good deal.

This practice has obviously been around before, but it seems to be everywhere since the beginning of the last Recession.

“Sale” and “Clearance” are used so much that unless you are having one of these, you can’t even compete among consumers — these words have become a cost of entry to the marketplace.

Since products and services cannot possibly be on sale or on clearance all the time, stores are finding ways to use these buzz words to attract consumers, but restrict their profit losses by adding in robust fine print language (check out other supermarket tricks for how to get consumers into their stores, and spending more money).

Not only that, but some funny coupon fine print — that is super restrictive and kind of ridiculous — came out of this time period as well that I'd like to share with you.

  • Macy’s Exclusions on 15% Off Sale: Macy’s has had more “one day” sales in the last few years than I care to count! Even though they seem to be quite generous with their sales, they are notorious for excessive exclusions. In this coupon from 2011, they're offering 15% off select departments…and honestly I don’t know which departments are left after this list of exclusions. From their website, this sale “EXCLUDES: 7 For All Mankind, Asics, Birkenstock, Born, CWX, Coach, Converse, Chantelle, Donatella, Ed Hardy, Emporio Armani, FitFlops, Goddess, Joe’s Jeans, Lacoste, Levi’s®, Minnetonka Moccasin, Nike footwear, Puma footwear, Reebok footwear, Skechers Shape-ups, Sofft, The North Face, Tretorn, Va Bien, baby gear, kids’ shoes, toys, cosmetics & fragrances, sunglasses, Sunglass Hut, select fashion jewelry & watches, gift cards. FOR HER: bridge & designer handbags, B.Tempt’d, DKNY lingerie, Dolce Vita, Donald Pliner, Felina, Impulse, Jezebel, Lauren by Ralph Lauren, Le Mystere, Lunaire, MICHAEL Michael Kors, Naturalizer, Not Your Daughter’s Jeans, Sperry Top-Sider, Wacoal. FOR HIM: Armani jeans, Cole Haan, Dockers®, Ecco shoes, Hugo Boss, Johnston & Murphy, Polo Ralph Lauren, Tommy Bahama. FOR THE HOME: All-Clad, J.A. Henckels, Le Creuset, Tempur-Pedic, Tumi, Wusthof, furniture, mattresses, rugs, lamps & lighting, electrics & electronics, regular-priced china, silver & crystal. Savings do not apply to Everyday Values, jewelry specials, Jewelry Super Buys, Specials, web busters™…
  • Shoes.com Sales: I found the following caveat for Shoes.com sales (from a 25% off sale for boots and shoes):  “All discounts, price matches, coupon and promotional codes, including the Friends and Family program, exclude bags, wallets and all regular-priced merchandise from the following brands: Adidas adistar Raven, Adidas Barricade 6.0, Adidas Supernova, Born, Born Crown, Brooks, Clarks England, Dr. Tuxedo, Dyeables, Frye (certain styles**), Hunter, Jonathan Kayne, Keen, Kork-Ease, K-Swiss, Livie & Luca, Liz Rene, Mephisto, Merrell, Minnetonka, Morgan & Milo, Olukai, Reebok Classic, Reebok Princess, Reebok RealFlex, Reebok Zig, Sofft, Softspots, Touch Ups, UGG Australia and Vintage Shoe Co.” On top of this, the following brands are excluded from all promotions: “Belted Harness, Campus, Dakota, Engineer, Harness, Heath, Jane, Jayden, Jesse, Melissa, Paige Tall and Veronica Slouch.” This is a total of 43 brand exclusions from a sale that is supposed to be for all boots and shoes.
  • PetSmart Sale Shipping Exclusions: On January 1, 2011 I was looking on the PetSmart website to price cat products (cat litter, dry food, and wet food). I had a coupon to use, and saw an advertisement from them stating that shipping was $5.99 on orders of $60 or more. I thought I could save myself a trip to the store. However, in the terms and conditions of the deal, it read:  “$5.99 shipping offer excludes purchases of dog food, cat food, cat litter, heavy items, or materials requiring special handling.” Even though I knew I was getting a really good deal with such a low shipping cost on heavy items, I thought it was kind of crazy for the exclusion of what the majority of people go to PetSmart for: cat food, dog food, and heavy pet items (and what is the definition of ‘heavy items’ anyway?). What probably happens is people do not figure this out until they are in checkout, and by then they don’t feel like emptying the cart and finding another website for shipping savings.

It is not likely that “sales” and “clearance” advertisements will end any time soon. After reading all of the exclusions above, I think that stores should start listing what is included in the sale or clearance instead of what is not. If nothing else, the fine print would shrink a bit.

Have you seen any new language lately in your coupon's fine print?

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Amanda L. Grossman is a Certified Financial Education Instructor, Plutus Foundation Grant Recipient, and founder of Frugal Confessions. Over the last 10 years, her money work helping people with how to save money and how to manage money has been featured in Kiplinger, Washington Post, U.S. News & World Report, Business Insider, LifeHacker, Woman's World, Woman's Day, ABC 13 Houston, Keybank, and more. Read more here.

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Источник: https://www.frugalconfessions.com/frugal-living/coupon-fine-print/

Groupon is all about saving you money by offering great local deals from businesses in your city, as well as coupon codes from retailers all over the country. There are also Groupon Goods and Getaway Deals that you can take advantage of to save even more money. Sometimes, you don't even need to use a Groupon promo code to get the best possible deal.

How to Save Money on Groupon

It might seem redundant to save money on this site that exists specifically to save you money, but savvy select customers who know the tricks of the trade can bring a purchase down to nearly nothing. Particularly advanced users don't even need a promo code to do it.

In the absence of in-store coupon stacking and price matching, here are the best tips to save even more with your Groupon coupon codes.

  • Sign up for a Groupon account and register for their newsletter and you’ll get a 25% off Groupon promo code for your first purchase.
  • Refer a friend and get $10 in Groupon Bucks once they buy their first deal. 
  • Keep an eye on Groupon’s Clearance page, which often lists deals upwards of 80% off.
  • Get free shipping on Groupon when you spend at least $35 on a product or look for a free shipping coupon code on this page.
  • You can combine products to hit the $35 minimum as well. Speaking of buying products, purchasing Groupon goods will earn you a promo code for 15% off Bonus Savings which can be used at a restaurant, spa or other local deal. Certain deals are excluded and you have to use it within 48 hours, but hey, free money.
  • While third-party vendors like Groupon can't offer free shipping, they have a convenient resource to get the best possible shipping rates from major retailers on the site. 
  • Read the fine print on your coupon code before you checkout. Individual retailers often come with their own particular fine print — don't get locked into a potentially non-refundable purchase before making sure you are eligible for the deal.

And if you can’t be bothered to check the site regularly, definitely subscribe to their emails, and follow Groupon on Facebook or Twitter so you don’t miss out on any great sales or Groupon coupon codes.

What Promo Codes Does Groupon Offer?

Before pulling the trigger on your already-discounted item, make sure you're getting the best Groupon promo codes. Look for 20-25% offers for local deals and Groupon Getaways. There are often exclusions to those offers, so make sure you read the fine print. Occasionally there will also be targeted promotions available to certain Groupon subscribers, such as $10 off any order.

How Do I Redeem My Groupon Coupon?

Bought your exciting new restaurant Groupon coupon and feel anxious about how to elegantly present your coupon code or voucher to your waiter? Fortunately, Groupon coupons often come with instructions under "View Details" on the My Groupons page. Select "How to Use" and it will tell you the best way to redeem that specific coupon, regardless of whether it's for home goods, a getaway or a full-body massage.

Sometimes, you don't need to do anything other than show your voucher, printed out or on your phone. This is often the case for local deals and live events that require tickets.

Watch Out for Deals of the Day

Keep an eye on the limited time Deals of the Day. This daily deals promo section is updated every 24 hours, so get in quick before time or stock runs out. These Groupon deals include a huge range of items including gadgets, home and car accessories and apparel. Hone your coupon code typing trigger fingers and your Deals of the Day checking reflex now, so you can clean up during the Black Friday Deals flash sale shuffle when the time comes.

Earn Groupon Bucks

Get rewarded for shopping with Groupon Bucks, credit that can be redeemed on future qualifying purchases. Sign up for an account and begin earning and spending Bucks with qualifying purchases right away. There are a few ways you can earn Groupon Bucks: 

  • Special promotions and purchases
  • Refunds (credit given as a refund does not expire)
  • Groupon gift cards

These credits automatically apply to your next qualifying purchases to give you even bigger savings.

How Do I Use the Groupon App? 

If you want to keep on top of the latest local deals and coupon codes from your favorite stores, signing up for the Groupon app just takes a minute. 

In addition to getting a streamlined feed of each promo code from the desktop site, you can also:

  • Receive $10 in Groupon Bucks when you make your first purchase via the mobile app.
  • Make it easier to redeem your voucher for travel deals and live events.
  • Access high-demand discounts and coupons where supplies may be limited. 

Refer a Friend and Earn $10 in Groupon Bucks

Tell your friends and family about Groupon by sharing your custom link with them. If your friends create an account and make a purchase within 72 hours, you earn $10 Groupon Bucks. 

Groupon Student Discount 

If you're a college student, sign up for Groupon's Student Program to receive an extra 25% off local Groupon deals. You'll receive 25% off during your first six months, and as long as you're still a student, you'll still be eligible to receive a 15% discount off qualifying orders after that. Your maximum savings is $20 and you'll need your student identification to sign up. 

Groupon Refund Policy

Groupon has a fair refund policy, so there isn’t much risk involved with trying out a product or service found on their site. 

  • Any unredeemed voucher can be refunded within three days from time of purchase. All sales are final after that, but your voucher is always worth at least the amount you paid for it, regardless if the promotional value has expired or not.
  • If you are unsatisfied with what you paid for, Groupon claims they will try to “make it right” within 14 days.
  • If you buy a trip voucher through Groupon Getaways but aren’t able to book the trip you want, you have until the book-by-date to request a full refund.
  • Groupon Goods products can always be returned (unless otherwise specified) within 14 days of receipt.
  • Tickets bought via GrouponLive are only refundable the same day you bought them. Unless the event is canceled or rescheduled you won’t be able to get your money back.

Contact Groupon

You can call their customer service or use their live chat option on their website. Just select the order in question in the help wizard and fill out what the issue is in the field provided. On the third screen, you will be paired up with a customer service rep.

Enjoy massive discounts and free gifts with the Spotify Black Friday deals 2021. The music streaming service is known to extend its Black Friday offerings until the end of the year, so keep your eyes peeled for the latest news on its Black Friday deals. 

Snag Big Markdowns on Spotify Premium Subscription Fees

For its 2021 Black Friday promotions, the streaming platform gifted new and trial Spotify Premium subscribers with a $0.99 subscription fee for three months — on top of its regular 30-day free trial offering. Regular premium subscriptions cost $9.99 a month. For the 2021 Spotify Black Friday sale, you can look forward to similar or even sweeter deals.

Score Freebies on Spotify Premium Subscriptions for Family

For Black Friday 2021, the service treated Spotify Premium Family subscribers to a free Google Home mini. Spotify even ran the deal until the end of December 2021 to reward more users. With its Spotify Black Friday deals 2021, the retailer is expected to raise the bar in terms of gifts and giveaways bundled with its premium subscriptions.

Join the Spotify Rock Star Program for More Rewards

Earn points and be rewarded with exclusive gifts such as Spotify T-shirts, top-of-the-line Bluetooth headphones and more. Sign up and get accepted into Spotify's Rock Star Program and start earning those Rock Star points.

About Slickdeals

Slickdeals is the leading crowdsourced shopping platform:

  • Slickdeals strives to offer a comprehensive coverage of the best coupons, promo codes and promotions for thousands of different stores like Groupon. We have a dedicated team that works around the clock to find, post and verify the offers we present to consumers.
  • In the last 20 years, Slickdeals has saved online shoppers over $6.8 billion.
  • We have 11 million active savvy shoppers, you can join our community by signing up.
  • Slickdeals is the eighth largest online shopping destination in the U.S
  • Download our Slickdeals chrome extension, get the best prices and auto apply coupons.
  • Get great savings and deals at your fingertips by downloading our Slickdeals Mobile App on iOS or Android.
Источник: https://slickdeals.net/coupons/groupon/

FinePrint 11.04 With Serial Key

FinePrint Crack saves you money on paper and toner, weight in your briefcase, and time and hassle in managing your print jobs. With FinePrint working for you, annoying printing problems disappear. Below are just some examples of printing problems that FinePrint can fix. See also our Enterprise section for the benefits of FinePrint in the Enterprise. You may also like pdfFactory Pro Crack

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HEALTHCARE HEROES

Nurses, Medical Providers, and Hospital Employees who are legal U.S. residents and 18 or older are eligible for the Healthcare Heroes Burrito Giveaway (“Offer”). Please visit https://help.id.me/hc/en-us/categories/200162894-Verifying-My-Group-Military-Student- to confirm you are eligible. Beginning at or around 10:00 a.m. Pacific Time (“PT”) on April 29, 2021, while supplies of codes last, to apply, please visit https://giving.chipotle.com/healthcareheroes and follow the directions to complete and submit the application form, including providing a copy of your employee I.D. or other information required by ID.me to verify your employment and eligibility. Codes will be provided on a first come, first served basis.  Limit one (1) application per person. Upon submission, your application will be verified and you will be sent an email within seven (7) days of submission confirming your eligibility (“Notification Email”). If you are eligible and verified for the Offer, your Notification Email will include a code redeemable for one (1) adult entrée. Eligibility will be determined by Chipotle Mexican Grill, Inc. (“Chipotle”), in its sole discretion. 250,000 codes will be available.

Code is redeemable for one (1) free regular-priced adult entrée.  Valid for one-time use for orders through participating Chipotle locations in the US. Code expires on 5/31/2021. Redemption is subject to availability. Not valid on catering orders or delivery orders through third-party platforms. Restrictions may apply to use with other coupons, promotions, or special offers. Void if reproduced, altered or shared (including online or through a mobile device or app) and where prohibited. Code will not be replaced if lost or stolen. Not redeemable for cash. 

Internet distribution of code is strictly prohibited and codes that are purchased, traded, bartered, sold or auctioned may result in code being voided. Codes are provided “as is” with no warranty or guarantee. Any code that is generated by script, macro or other automated means or by any means which subvert the redemption process is void. A code is void if not obtained from authorized and legitimate channels, or if the code is, in whole or in part, illegible, incomplete, damaged, irregular, altered, counterfeit, produced in error or obtained via fraud or theft.  Released Parties (as defined below) are not liable for printer errors or issuance of any void, misprinted, or irregular code resulting from production problems or errors. Liability for an irregular code is limited to providing another code, while supplies last, subject to verification of original code irregularity. Released Parties are not responsible for lost, late, incomplete, damaged, delayed, inaccurate, stolen, misdirected, undelivered, or garbled applications, Notification Emails, other emails, codes or other communications of any kind; or for errors or difficulties of any kind relating to the Offer. Chipotle reserves the right to cancel or modify the Offer at any time. Chipotle, its parent, affiliates, subsidiaries, service providers, partners, and advertising and promotion agencies, and all of their respective officers, directors, employees, representatives and agents (collectively, “Released Parties”) will have no liability whatsoever for, and shall be held harmless against, any liability, for any injuries, losses or damages of any kind, including death, to persons, or property resulting in whole or in part, directly or indirectly, from participation in this Offer. Void where prohibited. Subject to all applicable federal, state and local laws. Valid only in the U.S.A. Personal information you provide in connection with this Offer will be used in accordance with Chipotle’s Privacy Policy, available at https://www.chipotle.com/about-us/privacy-policy and ID.me’s privacy policy available at  https://www.id.me/privacy (as applicable). Offered by Chipotle Mexican Grill, Inc.

Источник: https://www.chipotle.com/healthcareheroes

Voltage Drop Calculations

Main Article   Part Two  

Part ONE

The purpose of the National Electrical Code is the practical safeguarding of persons and property from hazards arising by the use of electricity. The NEC does not generally consider voltage drop to be a safety issue. As a result, the NEC contains six recommendations (Fine Print Notes) that circuit conductors be sized sufficiently large enough so that reasonable efficiency of equipment operation can be provided. In addition, the NEC has five rules that required conductors be sized to accommodate the voltage drop of the circuit conductors.

Fine Print Notes in the NEC are for informational purposes only and are not enforceable by the inspection authority [90-5(c)]. However, Section 110-3(b) requires equipment to be installed in accordance with the equipment instructions. Therefore, electrical equipment must be installed so that it operates within its voltage rating as specified by the manufacturer. Figure 1.

Author’s Comment: Figures are not posted on the internet.

Due to voltage drop within the circuit conductors, the operating voltage at electrical equipment will be less than the output voltage of the power supply. Inductive loads (i.e. motors, ballasts, etc.) that operate at voltage below its rating can overheat resulting in shorter equipment operating life and increased cost, as well as inconvenience for the customer. Under-voltage for sensitive electronic equipment such as computers, laser printers, copy machines, etc., can cause the equipment to lock up or suddenly power down resulting in data loss, increased cost and possible equipment failure. Resistive loads (heaters, incandescent lighting) that operate at under-voltages simply will not provide the expected rated power output, Figure 1.

Author’s Comment: Voltage drop on the conductors can cause incandescent lighting to flicker when other appliances, office equipment, or heating and cooling systems cycle on. Though this might be annoying for some, it’s not dangerous and it does not violate the NEC.

NEC RECOMMENDATIONS

The National Electrical Code contains six Fine Print Notes to alert the Code user that equipment can have improved efficiency of operation if conductor voltage drop is taken into consideration.

1. Branch Circuits – This FPN recommends that branch circuit conductors be sized to prevent a maximum voltage drop of 3%. The maximum total voltage drop for a combination of both branch circuit and feeder should not exceed 5%. [210-19(a) FPN No. 4], Figure 2.

2. Feeders – This FPN recommends that feeder conductors be sized to prevent a maximum voltage drop of 3%. The maximum total voltage drop for a combination of both branch circuit and feeder should not exceed 5%. [215-2(d) FPN No. 2], Figure 2.

Example: What is the minimum NEC recommended operating voltage for a 120 volt load that is connected to a 120/240-volt source, Figure 3 (8-11).

(a) 120 volts                 (b) 115 volt                  (c) 114 volts                 (d) 116 volts

Answer: (c) 114 volts The maximum conductor voltage drop recommended for both the feeder and branch circuit is 5 percent of the voltage source; 120 volts x 5% = 6 volts. The operating voltage at the load is determined by subtracting the conductor’s voltage drop from the voltage source, 120 volts – 6 volts drop = 114 volts.

3. Services – Interestingly there is no recommended voltage drop for service conductors, but this FPN reminds the Code user to consider voltage drop of the service conductors [230-31(c) FPN].

Author’s Comment: Voltage drop on long service conductors can cause incandescent lighting in the building to flicker when appliances, heating or cooling systems cycle on. For information on how to solve or reduce incandescent lighting flicker, go to: www.mikeholt.com/Newsletters.

4. Conductor Ampacity – This FPN identifies the fact that the ampacities listed in Table 310-16 do not take voltage drop into consideration [310-15 FPN No. 1].

5. Phase Converters – Phase converters have their own recommendation that the voltage drop from the power supply to the phase converter should not exceed 3% [455-6(a) FPN].

6. Recreational Vehicle Parks – Recreational Vehicles have a recommendation that the maximum voltage drop for branch circuit conductors not exceed 3% and the combination of both the branch and feeder not to exceed 5% [210-19(a) FPN No. 4 and 551-73(d) FPN].

NEC REQUIREMENTS

The National Electrical Code also contains five rules requiring circuit conductors to be increased in size to accommodate voltage drop.

Grounding Conductors – This rule states that where circuit conductors are increased in size to compensate for voltage drop, the equipment grounding conductors must also be increased in size [250-122(b)].

Author’s Comment: If, however, the circuit conductors are not increased in size to accommodate voltage drop, then the equipment grounding conductor is not required to be larger than listed in Table 250-122.

Motion Picture/Television Studios – Branch circuit conductor for 60/120 volt systems used to reduce noise in audio/video production or other similar sensitive electronics for motion and television studios must not exceed 1.5%, and the combined voltage drop of the feeder and branch circuit conductors must not exceed 2.5% [530-71(d)]. In addition, FPN No. 1 to Section 530-72(b) reminds the Code user to increase the size of the grounding conductor in accordance with Section 250-122(b).

Fire Pumps – The operating voltage at the terminals of a fire pump controller must not be less than 15% from the voltage rating of the controller while the motor is starting (lock-rotor current). In addition, the operating voltage at the terminals of the fire pump motor must not be less than 5% from the voltage rating of the motor when the motor is operating at 115 percent of it full-load current rating [695-7].

Author’s Comment: Next month in this article, I’ll give examples and graphics demonstrating the application of the NEC voltage drop rules.

DETERMINING CIRCUIT VOLTAGE DROP

When the circuit conductors have already been installed, the voltage drop of the conductors can be determined by one of two methods: Ohm’s law or the VD formula.

Ohm’s Law Method – Single-Phase Only

Voltage drop of the circuit conductors can be determined by multiplying the current of the circuit by the total resistance of the circuit conductors: VD = I x R. “I” is equal to the load in amperes and ”R” is equal to the resistance of the conductor as listed in Chapter 9, Table 8 for direct current circuit, or in Chapter 9, Table 9 for alternating current circuits. The Ohm’s law method cannot be used for three-phase circuits.

120 volt Example: What is the voltage drop of two No. 12 conductors that supply a 16 ampere, 120 volt load which is located 100 feet from the power supply (200 feet of wire), Figure 4.

(a) 3.2 volts                  (b) 6.4 volts                  (c) 9.6 volts                  (d) 12.8 volts

Answer: (b) 6.4 volts

Voltage Drop = I x R

“I” is equal to 16 amperes

“R” is equal to 0.4 ohms (Chapter 9, Table 9: (2 ohm/1,000 feet) x 200 feet

Voltage Drop = 16 amperes x 0.4 ohms

Voltage Drop = 6.4 volts, (6.4 volts/120 volts = 5.3% volts drop)

Operating Voltage = 120 volts – 6.4 volts

Operating Voltage = 113.6 volts

Author’s Comment: The 5.3% voltage drop for the above branch circuit exceeds the NEC’s recommendations of 3%, but it does not violate the NEC unless the 16 ampere load is rated less than 113.6 volts [110-3(b)].

240 volt Single-Phase Example: What is the operating voltage of a 44 ampere, 240 volt, single-phase load located 160 feet from the panelboard, if it is wired with No. 6 conductors, Figure 5?

(a) 233.1 volts              (b) 230.8 volts              (c) 228.4 volts              (d) 233.4 volts

Answer: (a) 233.1 volts

Voltage Drop = I x R

“I” is equal to 44 amperes

“R” is equal to 0.157 ohms (Chapter 9, Table 9: (.49 ohm/1,000 feet) x 320 feet

Voltage Drop = 44 amperes x 0.157 ohms

Voltage Drop = 6.9 volts, (6.9 volts/240 volts = 2.9% volts drop)

Operating Voltage = 240 volts – 6.9 volts

Operating Voltage = 233.1 volts

Voltage Drop Using the Formula Method

When the circuit conductors have already been installed, the voltage drop of the conductors can be determined by using one of the following formulas:

VD = 2 x K x Q x I x D/CM - Single Phase

VD = 1.732 x K x Q x I x D/CM - Three Phase

“VD” = Volts Dropped: The voltage drop of the circuit conductors as expressed in volts.

“K” = Direct Current Constant: This is a constant that represents the direct current resistance for a one thousand circular mils conductor that is one thousand feet long, at an operating temperature of 75º C. The direct current constant value to be used for copper is 12.9 ohms and 21.2 ohms is used for aluminum conductors. The “K” constant is suitable for alternating current circuits, where the conductors do not exceed No. 1/0.

“Q” = Alternating Current Adjustment Factor: Alternating current circuits No. 2/0 and larger must be adjusted for the effects of self-induction (skin effect). The "Q" adjustment factor is determined by dividing alternating current resistance as listed in NEC Chapter 9, Table 9, by the direct current resistance as listed in Chapter 9, Table 8.

“I” = Amperes: The load in amperes at 100 percent, not 125 percent for motors or continuous loads.

“D” = Distance: The distance the load is located from the power supply, not the total length of the circuit conductors.

“CM” = Circular-Mils: The circular mils of the circuit conductor as listed in Chapter 9, Table 8.

Single-Phase Example: What is the voltage drop for a No. 6 conductor that supplies a 44 ampere, 240 volt, single-phase load located 160 feet from the panelboard, Figure 6?

(a) 4.25 volts                (b) 6.9 volts                  (c) 3 percent                 (d) 5 percent

Answer: (b) 6.9 volts

VD = 2 x K x I x D/CM

K = 12.9 ohms, Copper

I = 44 amperes

D = 160 feet

CM = No. 6, 26,240 circular mils, Chapter 9, Table 8

VD = 2 wires x 12.9 ohms x 44 amperes x 160 feet/26,240 Circular Mils

VD = 6.9 volts, (6.9 volts/240 volts = 2.9% volts drop)

Operating Voltage = 240 volts – 6.9 volts

Operating Voltage = 233.1 volts

Three-Phase Example: A three-phase 208 volt, 36 kVA load is located 80 feet from the panelboard and it is wired with No. 1 aluminum conductors. What is the voltage drop of the conductors to the equipment disconnect, Figure 7?

(a) 3.5 volts                  (b) 7 volts                     (c) 3 percent                 (d) 5 percent

Answer: (a) 3.5 volts

VD = 1.732 x K x I x D/CM

K = 21.2 ohms, Aluminum

I = 100 amperes

D = 80 feet

CM = No. 1, 83,690 circular mils, Chapter 9, Table 8

VD = 1.732 x 21.2 ohms x 100 amperes x 80 feet/83,690 Circular Mils

VD = 3.5 volts (3.5 volts/208 volts = 1.7%)

Operating Voltage = 208 volts – 3.5 volts

Operating Voltage = 204.5 volts

I hope this short summary was helpfull. If you want to know more about this subject, please attend our seminar or order our home study video program today.

Источник: https://www.mikeholt.com/technnical-voltage-drop-calculations-part-one.php

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