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What causes buyer limitation
 

Some PayPal accounts that have not bee used to sell or receive any payments got what they call " Buyer limitation " which is usually less risky than selling limitations.

Any thoughts what could lead to this kind of limitations? What buying behavior triggers their attention and let them restrict the account?

Re: What causes buyer limitation
 

cc issuers subscribe to services which detect suspicious,fraudulent activities and will notify the cc issuer,like the card has been used by a buyer who makes rapid purchases buying items which could quickly turned into cash in a mall or a site from various sellers.
or the owner of the card bought a cup of latte at neighborhood Starbuck and then in an hour he is in Cancun buying expensive jewelry,!
Paypal could do the same,an account in hiatus now go on a shopping spree,buying high value items,like gold,iphones,anything which could be quickly turned into cash.
or they could look at the past buying behavior and notice the buyer is buying outside his normal price range.

Re: What causes buyer limitation
 

When we sign up to use Paypal,we agree to allow Paypal to run a credit report on us, I dont understand how stealth account works,what happens when Paypal runs a report and get no results?

Re: What causes buyer limitation
 

That's not something you agree to on signup. They would need explicit permission to pull your credit.

Re: What causes buyer limitation
 

read the Paypal terms and agreement when one signs up to use its service.

Re: What causes buyer limitation
 

also Paypal offers line of credit ,loan,credit .debit card,I would think this would allow Paypal to pull a credit report.
But just signing up with Paypal,we agree to allow Paypal to pull one,altho it does not do it unless it has to

Re: What causes buyer limitation
 

If you apply for a PP line of credit of any sort, that's a different story. But they don't pull your credit and you don't give them permission to when you sign up. If they did, we would all have pulls from Paypal showing up on our credit. And I've never seen anything from Paypal on my credit report.

My understanding is they use a 3rd party to do database questions based off of your credit report, but that's not the same as Paypal pulling your credit. If Paypal checked your credit on signup it would be called a "paypal application" rather than "registration", as is the case with merchant accounts.

Re: What causes buyer limitation
 

Agent, Paypal doesn't do auto credit checks on mere signups... they can't do that.

Re: What causes buyer limitation
 

Lol we have gone off topic :)

Re: What causes buyer limitation
 

Threads inevitably always do. The internet has ADD.

Answer to your question - risky buyer behavior leads to buyer account limitations. Risky behavior is any type of activity that can potentially end up costing Paypal money.

Re: What causes buyer limitation
 

However they manage it, I've seen bad credit scores negatively affect paypal accounts. Huge rolling reserves and such.

I've built my credit up 150 points over the last year to get wayyyyyy away from the risk of that!(and other reasons of course)

Re: What causes buyer limitation
 

Implying that you have accounts registered in your real info?

Re: What causes buyer limitation
 

Yes. (phuck this goddamn 10 character message requirement)

Re: What causes buyer limitation
 

It's even dumber than not being able to use the word a55.

Re: What causes buyer limitation
 

I guess they don't want posts like this :

:noidea:

Re: What causes buyer limitation
 

wth is that?

Re: What causes buyer limitation
 

Incomplete sentence. We don't take kindly to incomplete sentences around these parts.

Re: What causes buyer limitation
 

they do not do it when you sign up,but they could do it later,if there are reasons to do so.
read your Paypal terms and agreement.
Paypal also has access to information of retailers who have merchant account to accept credit cards,or had at one time or attempt to apply for one in the past.
Some retailers who have closed shops will sell on internet their remaining inventory and receive payments via Paypal.

Re: What causes buyer limitation
 

By opening up a business account or converting a personal account to a business 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 account.