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Payment Under Review - again....
 

In the past three weeks I have received three separate payments from the same customer. Rather high amounts >$5k. I have been processing payments from this same customer for at least a year or so with no issues. Two out of the three have gone under PayPal's Payment Review process. The first one was given the "OK" after 24 hours. The second one was not reviewed. Now, I just received the third one this morning and it was put under review. Is this something I should be concerned about? I don't know what was "reviewed" on first payment, they never said. Is this an automated process? Very frustrating, as this is a legit account. I am tempted to call them but don't want to rock the boat.

Thanks!!!

Re: Payment Under Review - again....
 

You have no need to panic just yet. Don't jump ship.

Its an automatic process. Especially with the new paypal system.

If you have made it before you may be ok again. When/if there are issues, then you can give them a ring.

5K is nothing to sneeze at. Patience is the key right now. :ranger:

Re: Payment Under Review - again....
 

Yea, I know. It's just that I've processed many (like 50+) payments from this same customer over the past two years without issue. Why now? Two out of three get reviewed. What is the trigger for the review, does anyone know?

Re: Payment Under Review - again....
 

Update. Just like last time, exactly 24 hours later the review was complete and the funds were made available. WTF??? Why are these transactions getting flagged when it is the SAME customer that I have been receiving payments for for the past year? Nothing has changed on my end or on my customers end.

Re: Payment Under Review - again....
 

i had this happen to me but it was like 100.00 paypal loves to float the money i hate when they do this.

Re: Payment Under Review - again....
 

Paypal puts payments under review if the the amount is out of the persons normal spending patterns. They also do it to protect the user in case there account has been hacked.

Re: Payment Under Review - again....
 

That is WHY.

It is a protective reaction from paypal.

Their system is looking at a pattern of behavior, ie, transactions between same accounts.

One factor going to be involved is the amount. You mentioned $5000 approx for each transaction. Obligations for paypal within US banking regualtions mean flags like this.

::ranger:

Re: Payment Under Review - again....
 

Only PP knows for sure - they constantly vamp their security measures - be happy that the payments made through and, again, never rely on ONE sole PP for funds

Re: Payment Under Review - again....
 

It has nothing to do with floating money.

It's protective reaction from paypal.

:heh:

Re: Payment Under Review - again....
 

Yes, I understand. It could be that they are just catching up to me finally after more than a year. I may have to open another account OR go with a different processor.

Re: Payment Under Review - again....
 

That would be your choice.

But any processor would have the same MO.

I myself have had these reviews on a paypal account handling a high volume of funds.

If the majority of your sales are on ebay, keep in mind that buyers are brainwashed and sales may be lower.

:smash:

Re: Payment Under Review - again....
 

Well, here we go again. Another payment from the same customer (>$5k) and it's under review. Like I mentioned, something must have changed because for the past year I have been receiving payments from the same person and they always went through no problem. Now, within the past month, all of them seem to be going under review....

Re: Payment Under Review - again....
 

In my experience its because the sender is unverified.

Re: Payment Under Review - again....
 

Ah, that may be it. I do see that his address is unconfirmed. Not sure why because I KNOW that it is the correct address to ship to. I will have to call and let him know that something is up.

Re: Payment Under Review - again....
 

Unconfirmed does not mean incorrect address, it means they do not have a CC attached to that address.

Re: Payment Under Review - again....
 

yeah this is happening to me a lot, and the message states because they sender is "unverified".

Re: Payment Under Review - again....
 

Well, now I think I am screwed. It has been more than 24 hrs and the payment has not cleared. I have no choice but to call them..... sucks.

Re: Payment Under Review - again....
 

No you don't. Sometimes it takes a little longer.

Re: Payment Under Review - again....
 

I hope your right. I can give it until tonight which would be about 36 hrs. I don't have a good feeling about this though.

Re: Payment Under Review - again....
 

Be glad this happens when you receive the payment, rather than after you ship the item out.

These high values you are receiving are very risky..

Re: Payment Under Review - again....
 

Both are good ideas - stealth for new accounts - different processor to spread the risk

Re: Payment Under Review - again....
 

Yes, I am aware. But this is legit so I don't know why these reviews are happening.

Thanks!!

Re: Payment Under Review - again....
 

Son of a bitch!!! I have been waiting for the email to come through saying that the review is complete and it's ok to ship. Well... I decided to log into my account and low and behold the payment is cleared!!! No email confirmation received. Damn, this is killing me!!!

Re: Payment Under Review - again....
 

LOL good old paypal!! :laugh:

Re: Payment Under Review - again....
 

I am working on getting a new processor now.

I tried a stealth PayPal account (actually paid for one about a year ago) but I was really confused about the IP and MAC address stuff. I never ended up using it. I wonder if it is still active.

Re: Payment Under Review - again....
 

All you need to do is contact the customer and tell then to get verified.

Re: Payment Under Review - again....
 

They are verified, it's their address that in unconfirmed. I wonder it that is it. And if it is, why is it being flagged now?

Re: Payment Under Review - again....
 

It is 100% why.

Re: Payment Under Review - again....
 

Paypal does reviews on payments all the time. Qu I ckest way to get it removed is have the buyer call paypal or wait but waiting can be risky because if paypal does not get an answer they can rarely limit the account or reverse the payment

Re: Payment Under Review - again....
 

Doesnt mean the customer will comply - if a seller told me as a buyer to get verified...could be a p*ss off

Re: Payment Under Review - again....
 

I talked to the buyer (he is a friend of mine). He is most definitely verified, AND when he looks at his profile it says that his address is confirmed too. Problem is that the address shows up unconfirmed when you look at the transaction details. Really strange.

Re: Payment Under Review - again....
 

So my customer confirmed his address and I can see it is now confirmed in the shipping details. However, yet another payment is under review. It seems that this is going to be the norm now..... If too many payments go under review will it raise a flag for my account? So far all that have had the review placed have cleared in 24 hours.

Re: Payment Under Review - again....
 

Payment reviews come randomly

Re: Payment Under Review - again....
 

Do you or anyone else know if this is triggered by my customers PayPal account or my PayPal account?

Re: Payment Under Review - again....
 

i think it has to be from your Paypal account. If it was customer Paypal account then the review must have been on his end and not on your end.

Re: Payment Under Review - again....
 

Not true. They do it that way to protect the seller if the buyer is unverified or if they think it was sent by an authorized party.

Re: Payment Under Review - again....
 

That is good to hear. I know the buyer is legit so it just might be because the dollar amount is high.

Re: Payment Under Review - again....
 

It doesn't matter whether it's a confirmed or unconfirmed buyer address.

PP will do this at random and most of the time it'll clear within a day or 2.
It;s really nothing to worry about because it's not on you, rather on them.

So be patient about it. If it got reversed, at least you didn't get in trouble nor scammed.

Re: Payment Under Review - again....
 

Well, after a string of good luck without any payments going under review it just happened today. It really must be random as this amount is less than some that have cleared without review. I wish there was a way to stop this as I know the buyer and I know that the payments are legit. Just hate to call PP as I don't want them snooping around my account. I've asked this before, under Profile, and then My Selling Tools, there is Managing Risk and Fraud. Here is what it says:

Managing risk and fraud - Create and edit controls that let me automatically accept or decline certain types of payments.

Here's what you have to agree to:

1. Eligibility.
Only eligible merchants, as determined by PayPal, may use Risk Controls. If you are eligible for Risk Controls, PayPal will pass transactions to you as outlined below. These transactions may have a higher likelihood of risk. It is your responsibility to adjust the Risk Controls to determine whether you want to accept or decline such transactions. You may adjust the Risk Controls on the Risk Controls Overview Page on the PayPal website. If you would like to remove your ability to access Risk Controls, please contact your account manager.

2. Controls.
You may adjust your Risk Controls to accept payments that otherwise would have been declined by PayPal, including but not limited to:

(A) Direct Payments and Virtual Terminal payments are unable to verify the cardholder's address through the Address Verification Services. This is also referred to as AVS No Match.
(B) Direct Payments and Virtual Terminal payments that do not include a card security code. This is also referred to as Card Security Code Not Submitted.
(C) All payment types that failed PayPal's proprietary risk models.

Additionally, you may adjust your Risk Controls to decline payments that otherwise would have been accepted by PayPal, including but not limited to:

(D) Direct Payments and Virtual Terminal payments where the address entered by the cardholder only partially matches the information stored by the issuing bank.
(E) Direct Payments and Virtual Terminal payments where the Address Verification Service is unsupported or unavailable at the time the payment is processed.

3. Liability.
You understand that by using the Risk Controls to accept payments that otherwise would have been declined by PayPal your fraud loss rates may increase. In addition, you understand that you are solely liable for all transactions that you receive through PayPal.

4. Termination.
PayPal may terminate your use of Risk Controls for any reasons at PayPal's sole discretion.

It seems that with this tool I could circumvent the PP Payment Review but I am afraid that if I sign up that they will check my account first to qualify me.