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This is what I have been doing with my accounts.

Launch AOL client, log onto my aol account. Then launch firefox, check my ip, check everything is all good to go. I have firefox to delete all data when I close the browser so Im always safe. I use firefox to do everything. You just have to have the aol client up and running so it has taken over your connection (basically the aol proxy is working through my airport, my wireless card so everything I do is through aol's proxy servers)

feeBay Balling! man this is great, hardcore indeed! ;)

I used to juggling 7 accounts, each of them has feedback of 1000+, the main one got 8000+, like many of you, I got into trouble with one account and then the domino effect took them all down.

It must have been one of the most stressful time in my life as it was my only source of income.

Your guide together with the author of this forum's really gave me hope. a big THANKS to Aspkin for providing the forum, and a big THANKS to all the good members like you.

I did the exact steps described by Aspkin, got an account up for only 2 days, then got a suspension email today! I think I did everything correctly, except I was so eager to get back to business, I listed 4 items and bought 2 of $.99 feedback ebooks (i know stupid me, by the time I read your post, it's already too late) I think this explains that there are real people monitoring newly created accounts as you suggested.

I'm starting to do the 'one a day til 31st' technique now. However, there's a bit of confusion about PayPal accounts. Do you mean creating each PayPal account for each ebay account? I remember you mentioning "Identical PayPal account" does this mean one paypal account for 10 ebay accounts?
If we have one PayPal account for 10 ebay accounts that means when the PayPal account got caught, all 10 ebay accounts would follow. But, if you have 10 different PayPal accounts, do you mean I have to have 10 different bank accounts attached to them? I know for the fact that if you add one bank account number to a PayPal account, you cannot add it to another paypal account.

Thanks for reading, looking forward to hear from you.

Also, Google is now starting to attack eBay. Do a search on "Google Base", it's still in Beta but what a great concept! Free listing, Free hosting, Free CheckOut until 2008!

Regards,
exebayer (soon to be ebayer) ;)

Hi Exebayer and welcome to the forums.
Yes, I do mean create 1 paypal account for each of the ebay accounts and the information must be the same (even if ⊗⊗⊗⊗). As far as bank accounts - You can open as many as you like, banks are eager to have you. Open a savings account with a few, checking with others and you can even get a virtual bank account online that is tied to a reloadable CC.

The best thing about banks is that they are all competing with one another so you get some great deals. Valley National just had one where it is fee free for a year and if you opened the account you got $50 bonus $$$ and then another $50 for a direct deposit (paypal worked for this) and the $25 for writing 3 checks and $25 for 3 debit card transaction. Other banks offer items like an ipod shuffle, blender and other cool stuff. Search online and keep an eye out when you drive around town for bank offers for new customers.

The Bank name is in your name not the ⊗⊗⊗⊗ name - Paypal does not see this. Also another good feature is that after the 60 days request the paypal card so that you can withdrawal money or at ATMs. If you have a merchant account - charge the card and get it that way.

Now before someone asks - "How can I get the card if it has a ⊗⊗⊗⊗ address on it?" This is simple really - Go the USPS website and fill out the mail forwarding form online. wait a bit and test it by sending a letter to the address. If it is forwarded to the address you want then you are in business. Also, It is good to know that the person that lives there is not the name you are using. You do not want their mail going to you. It is also good to use big complexes or apartment buildings this way the tenants are always changing or moving and the Mailman does not know everyone.

Now before someone asks - "How can I get the card if it has a ⊗⊗⊗⊗ address on it?" This is simple really - Go the USPS website and fill out the mail forwarding form online. wait a bit and test it by sending a letter to the address. If it is forwarded to the address you want then you are in business. Also, It is good to know that the person that lives there is not the name you are using. You do not want their mail going to you. It is also good to use big complexes or apartment buildings this way the tenants are always changing or moving and the Mailman does not know everyone.[/QUOTE]


Thats good thinking but it doesnt work simply because when you put in a address forwarding request with usps they notify the sender of your new address if the sender requested "address forwarding service requested".

That means USPS will notify the sender that you are forwarding your mail and of your new address. Most business and corps ask for the request on every piece of mail thats sent out. So paypal will know that you forwarded your mail and that will raise red flag

Hmmm, Good point but then I guess either paypal does not ask for it or if they do nobody checks. I have a couple of different cards from different accounts that I got this way.

I did not do them all at once but over time as not to throw up flags and flares.

Of the 31 accounts, how many do you have left?

For the ones that are getting shut down- do you have a theory why they are being shut down.

I really would like to have a forever lasting ebay account that I can bring to 20,000 + feedback- the stature where I was at before ebay unfairly booted me.

I have more that 31 accounts and in the past 8 years have lost 3 of my kids (don't cry I refer to the screen names as kids). AS I stated on the board, one was linking to the paypal account (old one) during Ebays hyped up anti fraud road blocks.

I constantly create new accounts so I have back ups to my back ups. Plus this allows for me not to throw up flares at paypal with high volume.
Look at it like this:
10 accounts selling at one time.. Each generates say $400
if they all pay with paypal it is under the $500 threshold that they like so much.
The more accounts you run the more you can sell and the more you can bring in thru various paypal accounts. Now I know Modee will say every account will get limited at one time or another or that they will ask for more information. I have not had that problem as of yet.

When I sign up for paypal I do the following:
Add a credit card
then get the expanded use crap for $1.95
Then add a bank account - why not take some of the money they give (Yeah a whole 9 cents).

Doing this, I have not run into any problems
Also, I transfer money out all the time I do not leave a penny in the account.

10 accounts selling at one time.. Each generates say $400

do you mean you are only bringing in $400 per month for just $4,000 total?

I was thinking about selling items over $1,000 each and over $150,000 a month- do you think it is impossible for me to fly under the radar with that volume.

Also- do you think prision time is a possibility here?

That was an example that I was usng, You can use any number you would like to get to your calculations. 10 accounts x 400 = 4000

If you are selling items for over $1000 each, then why use paypal get a merchant account. It is to your own benefit for that. Hell, Items over a $1000 I would make buyers use your own merchant account, certified cashiers check, letter of credit or bank wire. More protection for you in the long run.

FeeBay Balling,

Thanks for the great infos on banking, I guess in California the banks are not too competitive as in NJ. I can only get free checking and saving thru washington mutual, the rest of them still ask for a minimum.

One more question. So, do you list all items from all accounts thru aol proxy?

I'm thinking about writing a program to clean everything, then launch ebay this way I can avoid all the stupid mistakes. I'm sure I can launch ebay with IE programmatically, but I haven't test AOL yet. Any programmer out there probably already know the answer, please feel free to post here.

I already got one account sleeping, and will put another kid in bed soon!

Do you think it's better to buy a simon card for say $44.00, use it for ebay, then use it to buy another simon card for $42.00 + $2.00 fee, this makes the first used card balanced down to zero, and this new card has $42.00 value, use it for ebay again, then keep repeating the cycle until it can't be used to buy another card, which means it has less than $22.00 balance ;) if this works each ebay account cost us $2.00 and we don't have to worry about a bit of balance left in the cards. What do ya think?

still exebayer!

Modee,

To answer your question, no there is no way to get tracked. I have a merchant account that I use on Ebay for 6 months with multiple accounts(some suspended now and some is active) and I have never had a problem. My merchant account is my personal info and none of ebays business. I use a third party to intergate it with ebay checkout and my websites

Merchant Account
 

Modee: Yes The Suspension Has No Effect At All On Your Merchant Account. This Account Is Yours And Yours Alone. All You Need To Do Is Contact The Merchant Account And Let Them Know Your New Ebay Id. I Have Securepay And I Have Had Tremendous Success For Over 2 Years........ Any Questions Let Me Know.

on your guide:

4) Create an ebay account with a ⊗⊗⊗⊗ address and phone number keep it within your area. Use google maps if you need to see the streets within your area.
5) Create a paypal account with the same information as the Ebay account



Do you use your real name? Or a ⊗⊗⊗⊗ name? when you are signing up for these millions of accounts?

Do you ever use your real name?

Well I use my merchant account for 3 different user names.

what's the safe way to pay your seller fee ?
 

Hello, Thanks for the guide. I ,too got zap by ebay. it's so lame. anway. so I set up a new account, what's the safe way to pay for ebay seller fee? I made up an ebay account with a bogus name and address. so what should I do? can you share some of your wisdom? also I have set up a new paypal account but am I allow to use my real name on paypal? or has to be "altered' ,too? and can I add credit card in paypal using my real name and address? thanks!

Al

Don't even use paypal again unless you have legit information.

OK, Sorry it took awhile to get back here.
Here are the responses:

Exebayer - Yes, I go thru AOL for everything dealing with Ebay. I also use Auctiva for hosting images and auto replies. I try and use as much stuff as possible to actually never have to log onto ebay.

Modee my boy - ??? I am sure you knew the answer to your own question. The merchant account (number/storename) is never seen by Ebay as you use your own 3rd party service or your own websites.

BillBrad - I do not ever use my real name or real addy. BUT the addresses are real themselves they exist in the usps database and the phone numbers are real as well, free but real and you can call me. Matter of fact I laugh at this because I live in NJ and I have a brother in FL, I have a ⊗⊗⊗⊗ but real phone number in Fl so if my brother needs to get in touch with me he calls the fFL number and leaves a message. No long distance charges.

Altu - the names for ebay and paypal should match if you are going to use them for that ebay account. You can pay your sellers fees with:
Simon Cards, all access cards, paypal debit card ebay gift certificates.. there are many ways to do it and as it has been mentioned use the the 1 time payment feature.

Chris - you have to be more positive with things, using paypal with bad info still works and there are many ways around it. If the account ever goes down, get a new one and move on. It is simple to do and the customers wont even notice the change.

Paypal Tip
 

:p Paypal tip for you:p

If you want to take paypal payments for auctions but want to use your real info here is what you can do. (keep in mind that your real info could never have been NARUd)

On your auctions check the box that you will use your own merchant account and not to use anything paypal related.
In the auctions list that you accept cashiers checks, money orders, visa, mastercard, gold, your wife and paypal.

put in the auction that you send an end of auction email out after the auction is over with all the info needed.

In the email state that you take paypal and if the buyer would like to pay by paypal please let you know and you will send them an invoice.

Paypal invoice - send it as "goods" with no reference to ebay or the auction number. If you sold say: Brand New Wife - hardly touched or used - put in the paypal invoice title New Wife you do not need to get to detailed.
Payment received!

Ship the item and you are fine.
If you using paypal for other reasons which I will not get to into then you do not want to use real info.

Have a good one.....:eek:

Thanks feeBay Balling,

How do you get around the PayPal monthly limit of $500.00 withdrawal?
You must enter SSN to lift the limit, and since you told us to use the name on simon card to create eBay and PayPal at one session. That means the names in PayPal isn't real either. Any thought?

exebayer.

AH my friend.. Send me $2.25 for that secret... no only kidding....:cool:
You do not need to give them your SS#, use the EXP USE feature and pay the $1.95 (dont be cheap) you get it back anyway once you sent a payment. With the VCC you can go right online and get the 4 digits to go back to PP and verify it.... Limit lifted!

Thanks FeeBay Balling,

It's kinda weird, PayPal asks me to do ALL 3 things to lift the limit, NOT one or the other but ALL.

1. Confirm my SSN
2. Add a bank and confirm it (did that)
3. Add a credit card and enrolled in Expanded Use (as you said this can be done too)

Are they smelling something funny with my account? ;)

exebayer.

This is the first time I have heard of the asking for all 3, they usually ask for 2 out of the 3 and it is your choice.

Friggin PP, I will look into this and think about it.
I hope the Antitrust suit is ruled in favor of the people not Ebay/Paypal

Read about it
Antitrust Lawsuit Filed against eBay over PayPal

eBay's Payment Policies Spark Two Antitrust Lawsuits

They have always ask that. If, they do only ask for 1 thing, later down the road they will limit your account again and ask for the rest of the information.

Just leave Paypal alone. Too many of you is stressing too much over Paypal.

Chris,

No they have not always asked that all 3 be provided when trying to get lift the limits on the account. To be verified you need to add a bank acccount and then add the EXP if you want to lift the limits for withdrawals further or you can choose the SS# but not all 3.

Modee is right that the admins have always stated use real info for paypal so that you have not problems with them. I choose not to and it has worked fine for me but I also have found ways to work around or stay under their radar.
I have been doing it this way since 2000 and have not had problems.

I added the simon card to my PayPal, it's added, but paypal said "In order to lift the withdrawal limit, you must add either Mastercard, Discover, or Amex" !
It seems PayPal doesn't like the Simon Visa Card! any thought?

exebayer,

Use the EXP USE Feature, have them charge the $1.95 to the card so that you can get the 4 digit pin to veify that credit card. As I mentioned before the simon cards as well as any bank issued cards are all backed by visa. I can not see PP saying yes to one and no to another.

Try the EXP USE and see what happens.

Suspicious cookie behaviour
 

Hi All

Question about cookies.

Most normal users do not clear their cookies constantly.
ebay knows a stealth player needs to clear cookies.

So when you log into eBay, and 50 times out of 50 they have to give you a new cookie because you don't already have one, isn't this A BIG RED FLAG ?

If I were designing the tracking AI for eBay I would definitely look at this pattern, and those guys are probably smarter than me...

I wonder if there is a program out there for cookie management; save all cookies from a site, then selectively give the right one back to them on each login.

Question abt definition of terms
 

Does anyone know what is a confirmed account, and an unconfirmed one, for eBay.
The A-Z glossary has no entries for these terms. They reserve the right to terminate an unconfirmed account anytime.

Also: about Paypal account linking

I know that just providing a Paypal email in a listing is not "Linking" . Then what constitutes linking?
Going to Paypal and pulling down the "Auctions" menu, and entering an ebay member ID, is THAT linking?
Or is it the option in eBay's My personal Information, to specify a Paypal acct, that's considered linking?


And one more question:
Trying to sell in markets like Singapore, where there are no seller fees, is that a high risk action , for a US account?

thanks

This is what ebay sent my acct before I found out about your forum...My account is suspended for 45 days because of an old bank card I forgot to change...so What is your take on this?

Member-stated User ID:*****
User Feedback: 51
User State: ?00
Browser Info: Mozilla/5.0 (Windows; U; Windows NT 5.1; en-US;
rv:1.8.1.5) Gecko/20070713 Firefox/2.0.0.5
Home > Help Topics > Account Information and Billing > Suspended
Account
Message: why is my account still suspended

Maybe we should think about having more than 1 or 2 browser's?

i was selling some softwares untill one of the customers put in a complaint about me on purpose. was my fault though, id forgotten to send it through recorded delivery, till the customer used that as an opportunity to get his money back and get the product. anyways he sent me emails trying to irratate me that how he was doing me in for a free software and had no evidence he received it. as irrateted as i was, ebay then suspended me and started asking me a whole load of information which i couldnt provide like a receipt of where i bought it. got the stock from a mate who joins a store and others, they all buy together in bulk to get a massive discount which then he sells onto me. therefore have no receipts. they asked to provide proof. was unable to. been since last year i got annoyed and havent gone back on, them holding my money, unable to do anything for months as they held my funds.

sorry for making it long, well basically, ive understood the guide so far, but a question. do you pay for the simon cards as a monthly fee, if so do i have to get one for every single paypal account?

The is no monthly fee for a simon card, you have to use the funds on the card before within 1 year. The only fee foir simon is the initial $2.00 they charge you. Which is cheap compared to some of the other VCC's or prepaid cards.

Was the old bank card linked to a suspended account or did the expiration come and go and you forgot to update it on ebay?

Quickie -

Linking your ebay account to paypal is not recommended especially if that PP account has suspended user info on it.

Jack brought up some questions..........
 

Jack has brought up some questions and I wanted to go into detail about them for everyone here.

1) If you're using dial-up, do you think aol is still a big help in this, or would you might as well just use your existing ISP?

I am on a DSL line which coneects to a router then to my computers. I use AOL 9.0 VR to login to ebay and paypal and this throws out the AOL IP.
When you are in AOL you can go to WhatismyIP and it will tell you the IP you are sitting on, usually it is a VA IP. This does not raise flags as ebay knows people use AOL to connect to the internet BUT some will say that there are scripts that can read the unlying IP address which is your home IP. I have not found this to be true and even when I changed a password on an account, I got an email from Ebay stating a change was made and from what IP it came from.. the IP listed was AOL not my home IP.

You can also use YouHide or Freeproxyserver to connect to ebay, mind you though that you do not have control over which IP you will be coming from. With YouHide you can select not to have cookies (but they are needed to login to ebay) or not to have scripts run.
I use them when I want to browse for things or check up on auctions that I am running.

2) Does this include Google Checkout too? Which merchant accounts are you talking about here, and which do you recommend?

Since Ebay forces you to either have your own merchant account or use Paypal when you try and list an item, You can select to use your own merchant account if you do not want to use paypal. By doing this you can list in your auctions that you take visa/mastercard, discover etc etc and list in the auction that you take them thru online services, some of which you can list in your auction like bidpay. Check ebays list of who they allow for your to mention. Google checkout is not one of them, you can read the threads here about that or google it to see the rivalry.
But that does not mean in your end of auction email that you send to the buyer that you can not offer it as well as others like Alertpay

I use and offer the following services BidPay, Alertpay, PP and my own merchant account. My merchant account is with First Data which was obtained thru cardservices International

3) How do you find the addresses? Do you work for the usps? Please point to where I too can find this data. Also, can you recycle the same phone number without ebay noticing, or have you just been lucky with one single account that you haven't needed to get a new one? For the purposes of linking accounts (ebay to paypal) could you use your real name and then a ⊗⊗⊗⊗ (but real) address and then link them and that would work? If you've read my other threads, you know why I need this, as ebay needs a linked account to do buy it now on newer accounts (under 10 fb) and international trade.

First, I do not work for the poorly run and over priced USPS. How do I get addresses for my accounts it is really simple and there are mutliple ways to get them and even have some payback fun with them. Okay here are a couple of ways to do this....
1) Go to Google Maps, now type in your real address and click search. You will see that they bring up your address and also you will see all the streets in your surronding area. Just zoom in if you need a closer look.

You can also find the street names in an area that you want to use for ebay for example. Go to google maps and type in Detroit, Michigan Zoom all the way in and now you have street names, now at the top click the link that says "find businesses" and type in gas station or pizza or food store.
For this we will type in "pizza" and whola on the left hand side you have physical addresses with zip codes that you can use.

2) Drive around your area and write down the names of the streets.

Now for the fun addresses or as I call them MofoAddresses. These are the addresses that are provided to you by buyers or sellers. If you hate a seller or a buyer stiffed you on a chargeback you have his/her info. Use that information to create an account, you can add apt 1 if you would like or leave it as is. Ebay allows for multiple accounts with the same address, but will suspend all of them if wrong doing is done by one.... do you see what I am getting at. The goal with these is not so much to make money but to use them as a way to get the original buyer/seller kicked by association... HA HA LOL Fun Stuff.....

About the phone numbers, you can get a phone number in any area you want thru PrivatePhone or you can get a number associated to the address you used when you got you AOL account thru AimPhone

So for the example we used with google and pizza, Once you have the physical address and they will also provide you with the business telephone number you can go to private phone and sign up using the info given and selecting the correct area code for that area.

With private phone and aimphone they are free, you can upgrade for a monthly fee to make outgoing calls if you want but they suit the purpose of what they are needed for. Also to keep them free they must be used at least once in a month. This is fine as all you have to do is pull out your list of numbers and call them all on 1 day to keep them active or you can go to craigslist and post an ad as a lonely lady needing to talk to someone and give the number. Thay will call the number for you, no cost to you.

As far as using your Real name with a ⊗⊗⊗⊗ address, If your real name was suspended before and you are going to use a your real name again with an addy say in your general area, this might work for awhile but then you might get caught up and suspended again. If you want to use your real name put a variation on it. For example, If your name is Richard use Dick or Rich. You can add Sr. Jr. or II

Now for international trade you really do not have to worry that much if your concern is say checks or money orders, Unless you are using western union which they ask for ID when you go pick up your money.

As to how to get around the verifying info if your account is limited by paypal... well other than them asking for a SS# you can provide them with whatever they want. They want a phone bill or utility bill... no problem... scan your phone bill then use editing software to change the name and address on the bill. Black out information that they do not need to see such as account # or the telephone numbers you called. Remember if you are using a addy in your area, they most likely use the same companies for electric or phone as you. Paypal can call the companies but the companies will not give out any personal information due to privacy only with a court order will they do so..

4) Using paypal effectively with bad info....Here are the steps I use to create the account, verify the account, double verify the account and begin getting cash.

a) Open an account with the info you used with ebay
b) add a VCC to the account
c) add a bank account to the account (free 9 cents)
d) use the EXP with the VCC to get double verified.
e) after about 15 days start taking money in slowly, small amounts. Let that Verified member feedback number grow for completed transaction. Paypal like Ebay uses that number as a way of trusting you.
f) over time you can let the payments to you get bigger and bigger. Don't go from taking $6 payments to a $100's within... LOL

Now on the off chance paypal limits you - If a customer pays then refund them so the money does not sit in the account. Explain to them that currently you can not take paypal thru that account, send them an invoice thru another account but DO NOT reference the auction number, their ebay id or your ebay id. Just state the product or what whatever you want but be sure to tell the buyer that the invoice is coming from "so and so" with the subject of "whatever" they will pay if they want the item especially since if you offer to take money orders as your only other option.

5) With a new account you won't have the high number of verified transactions. It's not a super big deal, but I feel it may help the customer to feel more secure doing business with you, if the number of completed transactions is high. Do you know what I'm talking about, and have you ever noticed it making a difference?

Honestly, that number means squat to a buyer, it means more to paypal. The customer is so brainwashed that they are protected with paying with paypal that they do not even bother to look. This is how I think of it "as a buyer" with using paypal. I send the payment using my CC as the source, if the package does not come and paypal does not get me my refund... chargeback here I come. Also, before someone states paypals new policy on chargebacks, that policy can just collect dust as it is not legally binding. In the long run, paypal is the merchant processor and they use their merchant account to process the payments. Therefore they are repsonsible for the item to be delivered, that is why when you do a chargeback, you get your money and PP gets stuck holding the bag if the seller ducks out on the account. Paypal is an open source for abuse and in reality they can not protect themselves if someone wanted to beat them up.

FeeBay:
what do you mean by

"add a bank account to the account (free 9 cents)"

WOW! ;)

Thank you so much for all your time in posting these great methods...I am in awe how you dial it right in!

I am SO glad to have found this forum!

Nice post!

FeeBay, awesome information! But I do have a couple more questions. To clarify:

1) I've never used these proxy services. Do you have to use them to dial in, or after you're connected through your own ISP? Do you not have to clear cookies when using these services or disconnect and reconnect to the internet to use them? That would be a plus for me as I use dial up and any change entails having to clear disconnect to the internet, clearing cookies, and then reconnect. It would be a time saver.

2) If offering different services, how do you recommend "mentioning" this to the customer? I will assume that any mention prior to auction close would be bad. And you probably don't want to use the official My Messages to send this information to the customer. But, how do you offer the other options? Do you just send them a bill however you like, or do you email the winner/buyer telling them their different options, ask them to select, and then send them a bill? In my experience, many times if you're not fast with your invoice you'll wind up with a paypal payment from the customer before you can blink. How do you avoid or minimize this chance for yourself (not you personally, but you as in the general sense)?

3) Wow. And MwaHaHaHa. I may use this on my recent bad buyer. So ebay doesn't do a check on these addresses to see if they're business or whatever? Also, I assume you just make sure the phone prefix and everything matches the area of the address correct? I suppose this would be another way to get back at a buyer/seller right? Supplying their number and advertising it as something popular (lonely ladies hehe) might drive them crazy with calls. LOL. But assuming that ebay may call that number, how could you use the business number, unless of course you don't mind annoying that business and the risk that ebay might suspend you if it doesn't match? Did I misunderstand that part? Or did you mean that you only use the business number to get the prefix and area code?

As for having fun with bad buyers/sellers, could the following hypothetical situation be easily possible?

A buyer is obviously only buying so they can leave you a negative, and you're pretty sure that this new "buyer" is actually another buyer who created this account so his own wouldn't be affected by leaving a negative. Solution: Create a new account using the name and address of the bad buyer. Then create another account using the name and address of the person with the high feedback account who screwed you via the bad buyer. Buy cheap .01 items 10 or so at a time under this information. Then let it sit for 30 days, or start selling immediately (depending on whether or not you actually want this account to stand a chance of surviving). Then with the backup account, begin your regular account building--you'll already have a name and address picked out for yourself. Since that account is built on information created by a user with no feedback, it couldn't hurt him, whereas the user with a lot of feedback could be hurt quite a lot by being suspended if your account ever was. In essence, you would have a "practice" account to try out anything you like, best case you would rack up lots of feedback quick and worse case you get suspended and so does the seller who hurt you on the other account. A win/win in other words.

4) Yes, I'm confused about the adding a bank account too. How can you add a bank account with different information than the name you registered under? I didn't think that would work.

5) I always thought that if there is no money in the other person's account that Paypal couldn't refund your money and you would have to charge back? But you're saying the customer will get their money back every time and it's Paypal who is stiffed no matter what?