I think the nomenclature of this needs to be changed, to not violate Paypal's merchant TOS, or maybe that's just for US.

I applied for their merchant program and will see if they accept my application, thanks for the suggestion.

When it comes to laws and oversight PayPal, Stripe and insert some other alternatives here are just accepting merchants. They are not merchant account providers, they are the merchants. They are not b

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This is so far from reality it's incomprehensible. The idea that ANY merchant gets access to ANY financial information about a payer just by virtue of paying a few dollars is simply laughable.

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If he places an order through his real information and the order is judged to be fraudulent after payment, he should receive a full refund.(because the merchant already knows that he exists in the fra

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If the payment processor charges you $10 to sign-up a merchant account, and then denies you service and closes your account but pockets your $10, that would be fraud.

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That is why I used paypal instead of using the card info directly. With paypal you can block and report merchant.

This is why I do what I do, getting high risk merchant accounts for hosting companies, I can get some prem rates too (Image)

% of money from, what they deem as, higher risk merchant, something @cociu is complaining oh so vocally about - this is a good example why they do it and why they are reasonable to do so.

@seriesn is correct if there is no rolling reserve the Merchant Provider/PSP or PayPal foot the bill.

Usually, credit card merchants/bank/paypal foots the bill and goes after the vendor afterwards.

Buyer Protection is like an insurance. You will get your money back, PayPal tries to get it from the merchant and does pay it from their own funds if the merchant is insolvent.

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Depending on the merchant's relationship and trading history, or the time frame paypal may deny refund requests, however, if multiple buyers start disputing within similar time frame, chances are that

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