jamesoliverblankatmhackers@outlook.com for credibility in service. The card i

got from this company came with a stock cash of $50,000 and i have not

had course to complain with their services for the past 3 months of

usage. I personally recommend jamesoliverblankatmhackers@outlook.com for optimum

services.

The other thing about PayPal is they’ve saved my backside on several occasions, half the time didn’t even need to return the junk that was sent to me. If it’s an counterfeit item, it’s illegal to mail it anyway (the vendor or the consumer), as a couple of these were when I was an young eBayer & didn’t know that vendors actually done business this out in the open. The items were XP Pro media & COA that were designed to be installed on a certain brand of computer one time, the other was an outright counterfeit. Windows OS media doesn’t have a sticker on it, everything’s baked in with watermarks that changes color.

More recently, I purchased a ‘genuine’ keyboard for a Toshiba A665 notebook, only to find out it didn’t even work, nor would the screw holes line up if it had. After uploading photos to PayPal with my claim at 1AM (my time), my account was credited that morning by 10AM. Was told to throw the item away.

See, these vendors doesn’t get paid the instant the PayPal transaction is completed, unless it’s a site of excellent reputation. eBay vendors has to wait from 1 to 4 weeks for payment, depending on feedback & volume, and all it takes is a handful out of a thousand to be knocked down a tier & have to wait longer again until trust is regained, often 12 months later. Though PayPal is fair to them also, they spot patterns of customers who are always not pleased & will ignore those reviews. Some folks can never be pleased, I’m one who’ll accept human error, yet there’s a huge difference between human error & an outright deceitful listing.

And let us not forget in the midst of this, the importance of having top notch security installed. For some users, Emsisoft Anti Malware is all that’s needed, as long as the router’s firewall is properly configured. A hardware based Firewall (one’s router usually for consumers) offers a much better one than a software based one can provide. The simple things, like disable remote administration, UP&P unless needed, a good WPA2-PSK password, renaming your router to anything except the factory defaults & changing those passwords (which defeats thieves looking for that enabled remote administration password that’s a Google search away for nearly all brands).

For those who wants more firewall & less do it yourself on the router (though the latter is still good to do, many will do it for you for $50 or less), Emsisoft Internet Security is the way to go, I have it on all of my Windows installs with an i5 or higher CPU with 8GB or more of RAM. It’s more heavy duty, but really doesn’t strain the system.

With either choice, one gets a free 30 day trial to see which fits the need, so without providing any payment information whatsoever, it’s the full featured product and nothing’s watered down.

Go ahead, give Emsisoft a chance, am glad that I did in 2011.

Stay safe & subscribe to the Emsisoft Blog for news that we all need to know.

Cat

You have misunderstood. A large number of businesses add the cost of the transaction fees to their prices, which is what I mean by markup. Fees, shipping, insurance and most other types of overhead are calculated to arrive at a retail price. How they calculate the overhead may vary, however.

If you are not passing the cost of those fees on to your customers, that is your own choice.

No there is not a ‘markup’, some of us in business know what it is. Do a comparison with a cash transaction vs PayPal or just ASK a trader what percentage he pays.
My problems have been solved promptly with PayPal, every word of every transaction information is recorded.

Look at the rates paid as a trader:—-

https://www.paypal.com/au/webapps/mpp/paypal-seller-fees

A couple years ago, a friend sent me some money and I had a really terrible time getting my bank account linked to my PayPal account. First, they said that I’d only be able to do it with a bank account at certain banks they accept. PayPal then blamed the bank for the problem, but then the bank confirmed that the info I had given PayPal was correct; despite that, PayPal continued to say it was the bank’s fault. PayPal refused to cooperate. After 3 months of going back and forth, PayPal then tried to wash their hands of the problem by claiming that my problem was beyond their “time limit”. I immediately reminded them that this was so because they refused to cooperate. They kept dragging their heels and, in the end, it was only by threatening to make it a public issue that I was able to connect my account.

Strangely, this year I was told by PayPal Customer Service that a PayPal rule had been put in place to deal with situations like mine so that people would still be able to withdraw their money from PayPal …and it was dated from before the problem I had. Why didn’t they immediately apply this rule to me? Why didn’t they even mention it? Why did they try to wash their hands of my problem? Perhaps it’s because I reside in Indonesia (but I’m a foreigner).

Earlier this year, I wanted to set up a fundraiser to raise funds for the book I’m writing “Education Can Save the World”. Prior to starting it, however, I was advised by Indiegogo that PayPal has specific rules about fundraisers online (commonly called crowdfunding), so I contacted PayPal’s customer service. They referred me to their Compliance team, so I wrote asking what I had to do to comply with PayPal rules because I’d already read the rules they had posted online and there wasn’t enough info.

Instead of responding, Compliance locked my account although I had made it clear that I was inquiring for a FUTURE campaign. Their system said I had to submit certain documents – some of which were impossible because I’m a foreigner (such as proof of address in the form of a utility bill, where here the utility bills are in the name of the house owner/my wife) – in order to get my account unlocked and approved. No email response to my questions was made until after I wrote to Customer Service and complained. I was given vague answers to some of my questions and attempts to get clarification were ignored or waltzed around. After sending the documents that I could and informing them why I couldn’t send the other documents, they finally unlocked my account and claimed that they’d given me a special exception! This trouble happened despite the fact that I did NOT have a campaign running and was just asking about the rules! They said to go ahead and set up my campaign and they would review it for compliance with their rules.

Note: During this struggle, PayPal suddenly modified its fundraising rules, yet Compliance made no effort to inform me.

After reviewing more than 150 websites to find a crowdfunding site that I could use and met my needs, I set up a fundraiser on GoGetFunding (GGF), only to discover that (1) my PayPal account is unverified and I cannot use my bank account to get it verified; (2) I would need a credit card (which I don’t have and I am not allowed to work in Indonesia due to red tape) OR a debit card to do so; (3) but there is only one bank that they’ll accept a debit card from in Indonesia, and I’m not a customer of that bank. I switched to RocketHub which, unlike GGF, has terrible customer service, but which doesn’t require a verified PayPal account to start a campaign. After I created my campaign (“project”), being careful to comply with what little I knew about PayPal’s rules, I contacted Compliance and asked for their approval. I also contacted CauseVox, and they also require a verified account. I had severe problems with customer service quality on most of the other ~10 sites that are usable from Indonesia (Pozible, Kapipal, Indiegogo, etc.), so I was not able to use them.

PayPal Compliance rejected my campaign. The reasons they gave did not make sense, and from one email to the next their reasons changed. They didn’t explain the reasons and eventually completely ignored me. Even when I asked for the issue to be escalated to a supervisor, they refused to cooperate. The reasons they gave included:
(1) They claimed that my gifts (“perks”) were mostly donations. I repeatedly asked them to clarify what they meant but never got an answer.
(2) The value of my gifts (which PayPal requires) is less than the donation amount that earns them. “… the value of these perks doesn’t match the donation
amount. It is obviously lower than the market price of a normal business.”. This, of course, is how fundraising works. You give a gift of a much lower value in return for a specific amount of money. They claimed I was doing something wrong despite their rules requiring it.
(3) They claimed that they couldn’t help process the donations for my campaign, but failed to clarify why.
(4) They claimed I was not raising money for a product when my book is clearly a product.

It was clear that the people I was dealing with were not native English speakers, and it is possible that this was part of the problem.

The final message I received claimed I’d been given an “exceptional approval”, but not what that approval was for. Since it was in a paragraph about the previous lock on my account, it seemed to be in regards to unlocking my account.

They also claimed I would be able to change my account to Premier or Business to receive donations, but hadn’t ever responded to my questions about that (and their online help didn’t provide enough info), nor did the clarify how that would allow an unverified account to be used when crowdfunding sites require a verified account.

Finally, they advised me that I would be able to take my funds out of my account after the campaign finished, but that if I started a new campaign, they would need to approve it.

I never heard from them again, despite writing.

Customers pay 100% of the fees. It’s called “markup”, i.e.: the cost of that security is built into the prices.