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New PP Stuck On Limits!!!
 

Hello all hope you’re doing well, I got a question I recently made a new pp stealth account and all the payments were F&F except one and however when I received the unexpected goods & services payment that transaction seems to trigger the limits on the account and now pp asking for valid ID and shipping address which I haven’t got on me.

And now for some reason pp not letting me refund payments back to people’s pp account has anyone found a way to refund payments back to people when pp stuck on limitations?

Re: New PP Stuck On Limits!!!
 

PP don't like too many F&F accounts, especially on a new account with no history. If you need to send lots of such payments you will need multiple accounts. If you are going to to be taking payments then you need to plan for when you are asked for ID

Re: New PP Stuck On Limits!!!
 

You can ask your buyer to file a dispute of item not received.
Like SAX4 said,Paypal frowns on too many F & F transactions as it makes no money,no one wants to work for free,they have bills to pay,just like us

Re: New PP Stuck On Limits!!!
 

Have you tried calling PP to try manual refund? Used to be able to do that

Re: New PP Stuck On Limits!!!
 

Receiving few F&F transactions didn’t trigger the limits however when a customer sent with Goods & Services I believe that payment triggered the limits as I received an automated email on the same time.

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Re: New PP Stuck On Limits!!!
 

Okay I can tell customers to file a dispute case but will they get there money back? Because most transactions are through F&F and I think pp don’t protect F&F payments so I think that option won’t work.

Re: New PP Stuck On Limits!!!
 

open 50 paypal accounts and spread payments among them

Re: New PP Stuck On Limits!!!
 

No I haven’t called pp yet, however when I try to process a refund it loads up and then it says this transaction is not eligible for a refund try again later or call us.

Re: New PP Stuck On Limits!!!
 

if it is for goods and service payment ,it should work but makes you look bad.
Or if he has used a credit card,he can do chargeback and then you have to pay chargeback fee

Re: New PP Stuck On Limits!!!
 

friend to friend payments, you cant refund them. you use to be able too but pp caught onto a fraud people were doing at the time and removed this function...loads of friend to friend payments, then opening charge backs via their banks to receive all the fund back..now even banks wont help you file a chargeback on F&F payments...they now know F&F payments from goods & services...so ur answer is no! you are not going to refund any of those transactions unfortunately.

Re: New PP Stuck On Limits!!!
 

please read the original post,he is asking about his payment for goods and services,not F & F.

Re: New PP Stuck On Limits!!!
 

most of the payments were F&F except one, how to refund "peoples" payments during limitation? i can only presume he made the one transaction as a goods and services but is asking about refund process for all transactions..

either ways, he cant refund the goods and services one unless they open up a dispute and the f&f no chance even with chargeback

Re: New PP Stuck On Limits!!!
 

FF can only be charged back if they file as unauthorized

Re: New PP Stuck On Limits!!!
 

Including F&F transactions to, all of them are F&F except one transaction goods and services which triggered the limits on the account.

Re: New PP Stuck On Limits!!!
 

I think F&F used to be able to refund them back but I think pp has changed since u earlier on mentioned that people were doing fraud and pp cause it.

Re: New PP Stuck On Limits!!!
 

I asked one of the customers to see if they can file a dispute and he said it’s not letting them because they used F&F option and there is no coverage for it.

And it says to contact the recipient to him.

Re: New PP Stuck On Limits!!!
 

Using F & F to receive payment for goods and services is fee avoidance per Paypal,and there is no buyer protection.
The only way they can get their money back is UA,unauthorised transaction,but thats not easy either as Paypal can trace how they landed on wwe.paypal.com via their device,ISP and trails of where they have been?eg Ebay.

Re: New PP Stuck On Limits!!!
 

Correct - it seems that the only way to refund (if no refund option seen) is to do this manually with a pp agent.

f&f has no buyer protection

Re: New PP Stuck On Limits!!!
 

the agent would laugh at you...dont bother...even chargebacks, mastercard would decline your banks request due to it being f&f...i had a swell time back in the day refunding f&f lol

Re: New PP Stuck On Limits!!!
 

credit cards do not care how you charge your card,whether you bought something or just want to give someone cash?
You can call the card issuer and say you cant find your card,I think it has been stolen,then they will quickly close your card.
But according to what OP told us,he is cheating Paypal,asking his buyers t o send F & F so he does not have to pay Paypal fee

Re: New PP Stuck On Limits!!!
 

if the card has been used multiple times, same device, same ip, to make f&f payments to presumably same contacts most of the time.... you honestly think a phone call to credit card issuer stating card is missing would be enough? this is 2025 not 2016.....

you would be grilled by credit card provider, they wont file those chargeback cases for you without hard evidence.anyway,i wont share anymore on this.

Re: New PP Stuck On Limits!!!
 

This is what they will say to you,that they will investigate ,like if you or the thief used the card and the store has his signature,or even photo Or the charge is similar to what you used in the past-same store,same location,same or similar merchandise,same signature or the IP address .But in reality,most of these charges are small and they wont bother to pursue.
But it will affect your credit rating and since they all share info on a data base,some may leave a record and you could be turned down when you apply for more credit or a new card.
you can see your FIFO score goes down

Re: New PP Stuck On Limits!!!
 

maybe its different in the states but if its multiple lets say $800 transactions...like 20, so about 16000 dollars....all f&f and you trying to open up multiple chargebacks, you getting declined on the spot

Re: New PP Stuck On Limits!!!
 

I dont think one particular Good and Services email triggered the limits,you open a new account and received too many F & F payments,it is just a matter of time Paypal will step in.
Are these 16 F & F payments of different amount and coming from all over the world or country?
Dont forget Paypal also have records on these senders.

Re: New PP Stuck On Limits!!!
 

FF does not allow to open disputes on paypal , it is possible to make chargeback through bank but your customers won't be doing it because they would need to claim as unauthorized

Re: New PP Stuck On Limits!!!
 

why should it be 20? it is only about one transaction , nothing is gonna be declined on the spot , the bank will file for chargeback on your behalf and if it is filed as unauthorized you will win with a very high probability if there was no online verification of payment. bank/mastercard/visa - they all do not know anything about F/F and not F/F , this type of payment is just internal PP rules

Re: New PP Stuck On Limits!!!
 

hes said most of them were F&F payments and an accidental goods and services, and his question was referring to all the payments so it wont just be one payment...

if you cant file it via paypal, you are most likely not going to be able to file it as a chargeback...first thing the bank will ask you, have you filed it via paypal? as the payments were initiated via their site, even though done tru cc.

They will then ask for proof of transactions, transcripts between you and paypal to show youve tried resolving it via them and they'll find out it was f&f payments at this point and tell you bye

Re: New PP Stuck On Limits!!!
 

I think goods and services did trigger the limits on the account because as soon as customer sent that payment I got a automated email from pp saying we need to review your account, there’s about 4 F&F transactions so sending by F&F that can’t be it, Just uk transactions.

Re: New PP Stuck On Limits!!!
 

Where do they find the unauthorised option? it’s not in their PayPal.

Re: New PP Stuck On Limits!!!
 

did you read what I wrote before? unauthorized

additionally banks do not investigate anything , they will not be asking for any deep transaction details and will not study anything , they have a set of standard questions

did you make the payment? yes or no

if yes , did you receive the goods? yes or no

if yes , chargeback will fail with a high probability

if no they will ask the merchant , not the buyer , to provide proof

if no as answer to the first question chargeback can be considered as successful as paypal can not provide any proof it was the actual person paying but they will certainly close the paypal account

Re: New PP Stuck On Limits!!!
 

chargeback is not done on paypal , it is done with the bank that issued the card , almost any transaction can be claimed back this way if it goes as unauthorized and if there was no confirmation by SMS/App during the payment

Re: New PP Stuck On Limits!!!
 

Have you called Paypal ?
if all your senders file UA with their cc issuer,there will be a chargeback fee of $20 or more,and Paypal could end up paying for it

Re: New PP Stuck On Limits!!!
 

No I haven’t called PayPal yet.

How do they open a unauthorised case? I told one customer try to open a unauthorised case and he said there was no section of opening a case.

Re: New PP Stuck On Limits!!!
 

You and other people need to stop abusing the F&F.....
Seriously.... it's just going to ruin it for most of us.

Besides, you use their services so they should get their fees.

Re: New PP Stuck On Limits!!!
 

someone just told you,they have to go to their cc issuer,if they are using Paypal fund,there is no refund,if bank fund,go see the bank?
call paypal

Re: New PP Stuck On Limits!!!
 

I give up im not bothered it’s to much work, im not sure if they used cc or pp balance.

Re: New PP Stuck On Limits!!!
 

on to the next endeavour then

Re: New PP Stuck On Limits!!!
 

When you're ready to come back, we'll be here.