Exactly 2-months ago, to the day, my PayPal account was banned. Paypal decided that they were going to hold my $5,000 balance for six-months to cover any possible credit-card chargebacks, and they denied my request(s) to appeal. I finally convinced them to return my $5k balance, I switched to Google-Checkout and things have been going just fine ever since. I proved to myself and to the thousands of people that have read about my ugly PayPal saga here in my blog, that life does go on without PayPal….
…Then today I got a call on the iPhone… and a voicemail at home… and a voicemail on the business number… and an email.. It was a very nice lady from the PayPal Office of Executive Escalations (whaa?!) – She told me that she was contacting me in response to some concerns that I had raised in my blog (hey, PayPal reads my blog! *waves to PayPal*). She explained the “limiting account” process (aka BANNING) a bit, and told me that after further review, Paypal was reversing their decision to “limit” (aka BAN) my account – and all that was necessary to UN-ban and restore my account was to agree-to, and sign the PayPal Acceptable Use Affidavit – basically swearing to abide-by and uphold the PayPal TOS and user-agreement. I signed-in to my PayPal account, clicked on a new link that appeared for me to sign the affidavit, read the rules and user agreement, and digitally signed it – and just like that, I was no longer banned from PayPal. My unappealable, un-reverasable ban had been appealed and reversed.
So I guess this proves a few things: Paypal is not a totally-blind, totally unresponsive organization – they apparently have some processes in place to catch at least some of the mistakes or borderline/salvageable customers. It took a few months, but hey, it worked in my case. Although based on my research and even from what my Executive Escalations lady told me, 99% of banned Pay Pal accounts are NOT reversible – there is still that 1% chance at getting reinstated and it looks like PayPal does try to save that 1% if possible. So if your PayPal account becomes “limited” (banned), AND you didn’t break the rules, don’t give up. Make some noise, call them, email them, and hope and pray that you’re part of that 1%.. If you did break the rules – forget it.. But if you didn’t, or if as in my case, it was ‘borderline’/arguable, don’t give up.
So the question is, will I keep using PayPal now that I’m not banned?
YES… and NO….Maybe…I dunno.. Depends…. For sending money, absolutely – Like it or not, PayPal is the king when it comes to sending money. During the time I was banned, my biggest problem was not being able to send money. I created an ePassporte account to pay for our new logo, and it sucked. So for SENDING money, PayPal will get all of my business.. There really is no other choice. For receiving money? I’m still undecided… Google-Checkout has been working flawlessly for us. GoogleCheckout deposits my funds almost immediately into my bank-account so I don’t have to worry about my funds being “seized” as PayPal did with my $5k, and the GoogleCheckout fraud detection system (so far) seems superior PayPal’s – so for now at least I think we’ll stick with GoogleCheckout – We may use PayPal for members/customers that have issues with GoogleCheckout (we’ve had a few complaints), and if we have enough demand for it, maybe we’ll resume a modified PayPal Premium Membership subscription service like we had before.
For a Tuesday, it wasn’t such a bad day…