I am providing SEO services and getting payment via xoom (with paypal) in my website. But now I am planning to add paypal payment button in my site. http://seo.galtech.us/ Can I use it ? Will I get any problem ?
Blindly ??? no no it should be Bewarely . You will understand that when you receive chargeback or they limit your account. Thats common if you have everything correct in account and having proofs then somehow you can feel safe but chargeback....
I hope you are kidding here because Paypal has a strict policy against money laundering and would not permit anyone to use them for cash exchanges without a license and without prior permission from Paypal. That accounts for a number of Paypal account being limited because of such activities. Read http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/use/index_frame-outside before you comment. Particularly Money Services Business http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/use/index_frame-outside&ed=moneytrans and Financial Services Policy http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/use/index_frame-outside&ed=fin_serv To the OP, SEO services should not be a problem as it does not violates any Acceptable Usage Policy. However, since SEO is a service and there is no 3rd party proof of physical delivery, you may not receive chargeback or dispute protection if your customer tries to dispute the transaction.
My paypal account was limited before one week and it get restored only yesterday (after submission address verification utility bill) ! So is there any chance to get it limited again ?
Well, typically as long as you rely on bank-backed instrument such as credit card, you will not get protection from chargeback especially when it is a transaction which does not have customer's physical verification and signature. In online transactions, the customer is always right no matter where you go. However, if you offer physical products with 3rd party independent proof of delivery then your payment processors can help you fight a chargeback. But with virtual products or services, it is hard to proof any delivery and if there is no signature, you will not likely win a case no matter who you go with. The sure-win for the customer is when they did not make the purchases and the card number is stolen, no vendor stand a chance for that. Some payment processor such as E-Gold or Moneybookers, they do not support direct credit card processing but rather use their own virtual currency where they can dictate their own terms which include chargeback protection. However, because the customers would needs to go through the whole process of funding the account and then using the virtual funds to pay, it may be complicating for some if it is a one-time transaction and may put off some customers. Besides, no chargeback policy may be good for the seller but it offers no protection for the customers. There are sellers out there who aim to cheat and customers may get jittery if they have no buyer protection. They can buy for their purchase and the seller can just keep their money and the customer have no way of getting their money back in such cases of non-delivery. This would be a negative point and may put off customers. In the end, in business, both parties must have some form of protection which requires both parties to uphold their side of the bargain. If one mechanism favors only the seller, you will be certain that you will see a fall in sale especially if they have never dealt with you before. I have been on the buyer's end quite a number of times and there are times that I paid and do not get anything in return, the seller just ran away with my money and I cannot get my money back. So now, I do not deal with anyone whom I do not know even if the offer is attractive.
Just to add, Paypal does not determine if the one who dispute gets the chargeback. Paypal will just submit your claims to the customer's bank and the customer's bank would make the final decision on whether or not to grant the chargeback. If it is in the buyer's favor then Paypal would not only lose the amount that is chargeback but also a chargeback fees levied by the bank. Paypal will pass that charge to you as the seller. http://www.paypal.com/cgi-bin/webscr?cmd=xpt/ua/USUA-outside
I agree with the first part but not the second one. I mean, you can trust Paypal for ints performance but if they find you off track then they will hit you hard.Once the person is hit, he/she falls down to the ground in the first short itself. I hope you understood my point. All of us should not take paypal casually.
There are chances to get it limited again since you can no way stop them from taking safety measures for fraud protection.
Yeah Eddy your right, Sorry bout the way i said what I did, it was ONLY a bad choice of wording and nothing more. I meant to say some thing more like PayPal is gr8 for both sales and purchses online, not swapping currencies and dollars as such. I hope thats a little bit clearer of what I meant to say. I do hope no one interpreted my orig statement the wrong way and sorry if they did. Eddy thanks for bringing that to the attention of us ALL here atm