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In , PayPal Europe was granted a Luxembourg banking license, which, under European Union law, allows it to conduct banking business throughout the EU. This ceased in , when the company moved to Luxembourg. In India, as of January , PayPal has no cross-border money transfer authorization.

It is also owned by eBay. In Australia, PayPal is licensed as an authorised deposit-taking institution ADI and is thus subject to Australian banking laws and regulations. In Singapore, PayPal is the holder of a stored value facility that does not require the approval of the Monetary Authority of Singapore. The PayPal Buyer Protection Policy states that the customer may file a buyer complaint if he or she did not receive an item or if the item he or she purchased was significantly not as described.

The customer can open a dispute within days from the date of payment and escalate it to a claim within 20 days from opening the dispute.

If the buyer used a credit card, he or she might get a refund via chargeback from his or her credit-card company. However, in the UK, where such a purchaser is entitled to specific statutory protections that the credit card company is a second party to the purchase and is therefore equally liable in law if the other party defaults or goes into liquidation under Section 75 Consumer Credit Act , the purchaser loses this legal protection if the card payment is processed via PayPal.

Also, the Financial Ombudsman Service for the U. This leaves consumers with no recourse to pursue their complaint with the Financial Ombudsman Service. They would only have recourse in the courts, but in any event they cannot because PayPal is incorporated in Luxembourg and, since the UK has left the EU, is now no longer within the jurisdiction of any UK Courts.

This is a legal authority that section 75 protection does exist where one has paid on a credit card for a product, via an eMoney service. In general, the Seller Protection Policy is intended to protect the seller from certain kinds of chargebacks or complaints if the seller meets certain conditions including proof of delivery to the buyer.

PayPal states the Seller Protection Policy is “designed to protect sellers against claims by buyers of unauthorized payments and against claims of non-receipt of any merchandise”. The policy includes a list of “Exclusions” which itself includes “Intangible goods”, “Claims for receipt of goods ‘not as described ‘ “, and “Total reversals over the annual limit”. The PayPal Seller Protection Policy does not provide the additional consumer protection afforded by UK consumer legislation most notably the Consumer Rights Act and in addition, it cannot be enforced in the Courts because PayPal operates from Luxembourg, outside all three of the UK legal jurisdictions.

In early , PayPal introduced an optional security key as an additional precaution against fraud. Account-holders enter their login ID and password as normal but are then prompted to enter a six-digit code provided by a credit card sized hardware security key or a text message sent to the account holder’s mobile phone.

For convenience, users may append the code generated by the hardware key to their password in the login screen. This way they are not prompted for it on another page. This method is required for some services, such as when using PayPal through the eBay application on iPhone.

This two-factor authentication is intended to make it difficult for an account to be compromised by a malicious third party without access to the physical security key, although it does not prevent the so-called Man in the Browser MITB attacks. However, the user or malicious third party can alternatively authenticate by providing the credit card or bank account number listed on their account.

Thus the PayPal implementation does not offer the security of true two-factor authentication. As early as , PayPal had substantial problems with online fraud , especially international hackers who were hacking into PayPal accounts and transferring small amounts of money out of multiple accounts.

Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters. But with PayPal losing millions of dollars each month to fraud while experiencing difficulties with using the FBI to pursue cases of international fraud, PayPal developed a fraud monitoring system to detect potentially fraudulent transactions. In , , Spanish card holders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards.

As of March most funds had not been returned. In , PayPal voluntarily ceased serving as a payment intermediary between gambling websites and their online customers. At the time of this cessation, it was the largest payment processor for online gambling transactions.

In , PayPal resumed accepting such transactions, but only in those countries where online gambling is legal, and only for sites which are properly licensed to operate in said jurisdictions. Since at least , PayPal has maintained an Acceptable Use policy which disallows “transactions involving In , PayPal notified subscription service provider Patreon that it was moving to cease integration with Patreon as a platform as the result of Patreon permitting “adult content” on their platform.

Patreon subsequently removed access to PayPal services for creators who produced sexual content. If an account is subject to fraud or unauthorized use, PayPal puts the “Limited Access” designation on the account. PayPal has had several notable cases in which the company has frozen the account of users such as Richard Kyanka , owner of the website Something Awful , in September , [] Cryptome in March , [] [] [] or April Winchell , the owner of Regretsy , in December The account was reinstated, and PayPal apologized and donated to her cause.

Persson stated publicly that he had not received a clear explanation of why the account was frozen, and that PayPal was threatening to keep the money if they found anything wrong. PayPal’s partner MasterCard ceased taking donations to WikiLeaks in , and PayPal also suspended, and later permanently restricted, payments to the website after the U. State Department said WikiLeaks was engaged in illegal activities. Online supporters and activists retaliated by subjecting PayPal and MasterCard, along with other companies, to coordinated cyber attacks.

In February , PayPal unbanned the account of a website that supports Iraq War resisters after it had enough information to fulfill its know your customer guidelines. The Chelsea Manning Support Network claimed the backdown was a reaction to a petition to the company to reinstate the account. In May , PayPal declined to pay a reward offered in its Bug Bounty Program [] to a year-old German student who had reported a cross-site scripting flaw on its site. In August , entrepreneurs who had used PayPal to collect the funds they raised on crowdfunding platforms like Kickstarter and Indiegogo reported difficulty in being able to withdraw the money.

In May , PayPal blocked the account of a Russian human rights organisation “RosUznik”, which supported political prisoners arrested at Bolotnaya Square. As of January , a class-action lawsuit against PayPal has been filed in Israel, [] claiming that they arbitrarily froze accounts and held funds for up to days without paying interest and thereby directly profited from it. In the examples given in the lawsuit, PayPal had received complaints against small vendors which were later resolved, but the PayPal account was closed.

The lawsuit requests that PayPal be declared a monopoly and thus regulated accordingly. In May , PayPal blocked an account intended to raise money for the distribution of Boris Nemtsov ‘s report ” Putin. War “. By , ConsumerAffairs had received over 1, consumer reviews of PayPal, resulting in an overall satisfaction rating of one star out of five for the company.

In February , PayPal froze the account of News Media Canada , a Canadian trade association , in response to a payment from The Reminder , a Flin Flon , Manitoba community newspaper , intended to cover the fee for the Reminder’s submission of articles for consideration in a nationwide journalism contest run by News Media Canada, including one discussing Syrian refugees.

PayPal cited United States regulations as a reason for flagging the transaction between Canadian entities. In September , PayPal banned radio host Alex Jones and his website InfoWars , claiming that his site has content that was hateful and discriminatory against certain religious groups. PayPal discontinued payments to Pornhub models on November 14, , [] alleging that “Pornhub has made certain business payments through PayPal without seeking our permission”. In September , PayPal issued new terms of service which introduced a fee for inactive accounts in 19 countries.

PayPal sent its clients an e-mail about the updated terms, but didn’t mention introducing such a fee. PayPal faced criticism over their policies related to changing the name on a user’s account.

Critics cited the complicated system involved in changing names, which require legal and government-issued identification. This system has been seen as impacting transgender users, who find trouble in using preferred names and pronouns. In July , PayPal announced a plan to collaborate with the Anti-Defamation League ‘s Center on Extremism, the League of United Latin American Citizens , and several other nonprofits to analyze its users’ transactions in order to investigate the finances of extremist and hate groups in the United States and share the results with law enforcement, policymakers, and other financial corporations; [] [] [] the ADL’s CEO, Jonathan Greenblatt , stated that this initiative is meant to help “mitigat[e] extremist threats” [] and to “help disrupt those activities.

In May , Branko Marcetic wrote in Jacobin magazine that PayPal had cancelled the accounts of a number of left-wing media sites and frozen their funds. PayPal gave no explanation for its action, but the article linked the cancellations with the media sites’ criticism of US policy in relation to the Russian invasion of Ukraine.

Marcetic wrote that the freezing of Wikileaks’ account over a decade earlier had provided a precedent for PayPal’s action. Most of the allegations concerned PayPal’s dispute resolution procedures. The two lawsuits were merged into one class-action lawsuit In re: PayPal litigation. An informal settlement was reached in November , and a formal settlement was signed on June 11, PayPal denied any wrongdoing. In June , Stamps.

In a license agreement, Stamps. PayPal Inc. They sued, alleging illegal misappropriation of customer accounts and detailed their customer service experiences, including freezing deposited funds for up to days until disputes were resolved by PayPal. PayPal argued that the plaintiffs were required to arbitrate their disputes under the American Arbitration Association ‘s Commercial Arbitration Rules.

The court ruled against PayPal, stating that “the User Agreement and arbitration clause are substantively unconscionable under California law. The claimants accused PayPal of deliberately failing to notify its customers that ICC-Cal was illegally charging them for currency conversion fees.

A class-action lawsuit filed in was settled in , in which the plaintiffs contested PayPal’s “holds” on funds. PayPal which has yet to be ratified. As part of the settlement, the company agreed to change some of its policies. It alleged that PayPal had promised discounts and payment options the consumers never received, and that users trying to sign up for the regular, non-credit, PayPal accounts were signed up for credit accounts instead.

From Wikipedia, the free encyclopedia. American multinational financial technology company. For the method, see Measuring programming language popularity. Headquarters in San Jose, California , U. Traded as. Confinity X. Operating income. Net income. For a chronological guide, see Timeline of PayPal. This article needs to be updated. Please help update this article to reflect recent events or newly available information. August Main article: Security token. See also: Criticism of eBay.

Retrieved July 30, Retrieved April 7, December 31, Retrieved February 19, Retrieved June 16, Retrieved February 28, The New York Times. Retrieved November 23, Retrieved April 16, Retrieved June 23, Retrieved November 11, September 5, Entrepreneur Magazine. August 9, Fast Company. WND Books. ISBN April 20, Retrieved March 31, Business Insider.

The Verge. ECommerce Times. CNET News. CNET Networks. Archived from the original on June 10, Retrieved November 13, Venture Beat. October 27, Retrieved October 28, CNN Money.

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