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    paypal ninja s secrets stealth

    Paypal Ninja's Secrets (Stealth)
    #1
    PAYPAL NINJA ́S
    SECRETS
    Base64: QXV0aG9yOiBiYXVkZWxhaXJlIFtiYXVkZWxhaXJlQHRvcm1haWwub3JnXSA=Paypal Ninja ́s Secrets
    SUMMARY
    INTRODUCTION 03
    STEALTHING PAYPAL 04
    CASH OUT ANONYMOUS 07
    HOW PAYPAL LIMITS ACCOUNTS 09
    RESTORING LIMITED ACCOUNTS 14
    RETURNING AFTER SUSPENSION 25
    PROTECTION AGAINST FRAUDS 28
    PAYPAL ALTERNATIVES 33
    2Paypal Ninja ́s Secrets
    INTRODUCTION
    Understanding how PayPal acts, can help you anticipate what their next likely
    move will be, regarding Your Account.
    What makes PayPal the company they are today?
    PayPal's public face is very different from the private PayPal that many of us
    never see. While PayPal denies publicly they have a customer service problem,
    they admit they have a customer service problem in private.
    While PayPal denies publicly they don't make any money off of your money,
    PayPal admits it in legal documents. PayPal publicly says their buyer protection
    is there for buyers, but in private PayPal admits the policy is there to prevent
    costly chargebacks.
    3Paypal Ninja ́s Secrets
    STEALTHING PAYPAL ACCOUNTS
    This first part is for teach you how to be "stealth" on Paypal and how to actually
    get the money out. This guide is not about money laundering or scamming,
    although perhaps some of this information can be used to figure out some
    schemes on your own.
    I currently have 3 Paypal accounts that I use, and 2 backup accounts just in
    case. None are in my name or anyone related to me. It is always a good idea to
    have one Paypal account that is legit, meaning you don't do any BS with it. This
    is your main account that you don't want to compromise. If you are already
    banned from Paypal, this is OK, you just need to create a new Paypal with a
    different name. The purpose of this main account is to use to withdraw your
    money.
    You can have as many stealth accounts as you want. You NEVER want to link
    any of your stealth accounts to your main account, i.e., send money directly
    from one to the other. Paypal will ban accounts that they link to a suspended
    account, should one of your stealth accounts get banned. They will see that the
    banned account received x amount of dollars, and every time sends same
    amount to the other account. Its really not that difficult.
    How to create a new account
    If you've never had Paypal before, this is good, as you have a fresh start. It is
    OK to have a Paypal account that has your real info on it, as long as you just
    use it for innocent purposes, like selling or buying online.
    I will not go in to detail about opening a genuine PP account, as it is pretty self
    explanatory. If you are banned, or just want another legit/main account for back
    up reasons, you basically make this new account the same way as you would
    create a stealth account. The only difference is how you use it.
    4Paypal Ninja ́s Secrets
    It is best to use you main Paypal account on a separate browser than your
    stealth accounts. This just prevents accidents, like forgetting to log out,
    forgetting to clear cookies, and IP address/proxy issues.
    Whenever you are done doing whatever it is you are doing, log and and clear
    your cookies and cache. I suggest using the same firefox portable as in the
    TOR browser bundle. All this is cleared automatically when you close the
    browser.
    You need to first find a region-specific IP address to use as a proxy. There are
    many paid proxy services who do this. Don't use TOR, Paypal can detect it and
    will limit/ban your new account.
    One thing I like to do is to use a free webhost and set up a basically useless
    site/page. Once they manually review the site, I put in a php proxy script to use
    com that I get a US IP address. If you implement this method, you must use a
    different host or at least create a new website within that host to get on a
    different server, or the IP address can be the same.
    It's just one of the things I like to do. A sourceforge link for the proxy will be
    located at the end of this guide. Now that you have your proxy, check it on
    http://www.dawhois.com or other site and make sure it is working.
    Next you need a new email account (new for every paypal account you create).
    I prefer yahoo since they never ask for phone verification and I can create
    yahoo accounts through TOR. Using a new email and IP address for every
    paypal account is MANDATORY! If you use the same IP for 2 accounts, it
    may as well be one account, it will only be a matter of time before they link them
    and ban them both.
    You are going to want to get verified on at least one account, your main
    account. Your spending and withdraw limits will be lifted once verified, and this
    is the main reason to do this. Unverified accounts can only withdraw 500USD
    per month, but there is no online spending limit.
    5Paypal Ninja ́s Secrets
    If you live in US, Canada or Australia the only way to verify a Paypal account is
    by attaching it to a bank account. Fortunately, BY LAW, Paypal cannot see the
    name attached to the bank account. This is why they send 2 small deposits to it.
    You seeing the deposits and entering them in to Paypal "verifies" that you are
    the owner of the account.
    If you live in Europe and most countries outside US you will need a valid debit
    or credit card to verify a Paypal account.
    This is good to know just in case you lose your main account, all you need to do
    is open a new bank account or virtual card and start a new, verified Paypal
    account. Just make sure that you use a new bank account or card number with
    every account you wish to get verified. Having an account linked to a real bank
    account is ideal, since to get your money out, all you have to do is send it to the
    bank or use the Paypal debit card at an ATM (US residents).
    But, not everybody can or wants to do this. If for any reason you don't want to
    use your own bank account, or want to verify other stealth accounts but not
    withdraw straight to the bank with them, you can buy a VBA, Virtual Bank
    Account or VCC virtual debit cards with cvv code.
    These accounts are used only for verification. You can never withdraw your
    paypal funds direct to VBA account, as it becomes obsolete after it is used.
    Unless paypal has a reason to withdraw from your bank account, they will never
    know that the account is closed.
    6Paypal Ninja ́s Secrets
    CASH OUT ANONYMOUS
    This is the important part, and not surprisingly, the part most people screw up.
    Screw it up once, and link accounts, you risk having your money frozen, AKA,
    lost for good. Here are some of most used methods to retrieve your funds from
    Paypal.
    e-Bay method:
    The easiest way is to buy digital goods as vouchers, coupons or bitcoins from e-
    Bay auctions. You must to create a good stealth ebay account and after assign
    your Paypal account.
    Escrow sites method
    Other easy way is to use re-seller sites and freelance sites. http://fiverr.com ,
    http://freelancer.com and others that offer an escrow service. This method
    should also be used to transfer from any paypal to paypal accounts that you
    own. Never link your accounts! Just like with paypal, set up accounts both as
    seller and buyer on however many sites you want to use. You really only need
    one seller account on each, and as many buyer accounts as you with.
    Again, use new IPs and emails for every account. It is not only fine, but
    recommended to pair each account with the same IP/Email combo as the
    stealth paypal account it corresponds to. It's just easier to keep track of the
    combo this way. Paypal will only see the escrow transaction, and the link
    between the stealth and main account is broken.
    Anonymous card method
    1. Open an EU paypal account from one of the countries below. You can
    use fakenamegenerator.com or whatever you want.
    2. Just make sure is is a merchant and not personal. There are 3 levels, go
    with the middle.
    3. Get an anonymous debit card over web, and link it to the Paypal, using
    the CC and not the bank. I know for sure that the bank wont work for US
    accounts, as it is a deposit only bank account number. Depending on the
    7Paypal Ninja ́s Secrets
    country and the country's banking regs, paypal may or may not try to
    take back the verification amount they sent. Forget that.
    4. Once the Paypal and debit card are connected successfully, it is time to
    get cash out your money. Just look at card withdrawal option and transfer
    your funds to your anonymous card.
    Look at https://www.paypal.com/worldwide/ and search countries that Paypal
    allows withdrawals to cards.
    Credit card to IBAN method
    You register online with GlobalWebPay http://www.globalwebpay.com
    You provide us with the money you wish to send (Either with CC or Bank).
    Funds are typically received by the recipient within 3 working days but often the
    next working day. Get some fresh CC's/ -Anon Iban Accounts good VPN
    network and ready to go. And just start cashing out all day from different CC to
    different IBAN.
    Exchanges sites method
    Another good method is to use money exchanges websites to change Paypal
    for Liberty Reserve, bitcoins, WebMoney, etc. But few sites accept Paypal
    because it is refundable and high risk for traders. Good and trusted sites:
    Multi
    https://www.wm-center.com/exchange
    Ukraine
    http://ukrwm.com/en
    United Kingdom
    http://www.paypal2webmoney.com
    Russia
    http://exwp.com/index_en.html
    USA
    http://exchangezone.com
    8Paypal Ninja ́s Secrets
    HOW PAYPAL LIMITS ACCOUNTS
    PayPal might limit your account and freeze your funds because:
    1. You received too much money into your account (this can be any amount
    that is not in proportion to what you normally received during the average
    history of your account).
    2. You transferred too much money out of your account ($2,000 US is the
    rumored amount that triggers the fraud system).
    3. You called customer service at PayPal and made somebody angry (there
    are documented cases of irate customers calling PayPal only to find out
    their accounts were limited moments after the phone call was made).
    4. PayPal has reason to believe you have more than the allowed two
    PayPal accounts (One Personal Account/One Premier Account).
    5. Somebody filed a complaint with PayPal about you (a buyer or a seller or
    an interested third party).
    6. You filed a complaint against somebody (a buyer or a seller).
    7. You initiated a chargeback with your credit card company.
    8. You initiated a chageback with your credit card company before you filed
    a claim through PayPal's Buyer or Seller Protection Program.
    9. PayPal thinks you are trying to avoid paying PayPal fees by charging
    excessive shipping & handling charges for your sales.
    10. PayPal thinks you are using your PayPal account to speculate in the
    currency market.
    11. PayPal doesn't agree with some content on your website (example: a
    man who ran a well known blog had his PayPal account limited because
    his website contained a link to the Pearl terrorist killing. He accepted
    PayPal donations on his website for his news blog).
    12. PayPal believes you are in violation of its User Agreement.
    13. PayPal believes you are in violation of its Acceptable Use Policy
    (example: PayPal believes you used your account to purchase a dirty
    book or dirty magazine).
    14. PayPal believes you are in violation of its Privacy Policy (example: you
    gave information to the police about a fraud suspect who is also a
    PayPal member).
    9Paypal Ninja ́s Secrets
    15. PayPal believes you are in violation of their User Agreement.
    16. You used your PayPal Debit Card to purchase material that PayPal finds
    objectionable (even if it's legal in the real world).
    17. You charged too much money on your PayPal Debit Card.
    18. You went on vacation and used your debit card in another state or
    another country.
    19. You used your PayPal debit card to make an online transaction that was
    not through PayPal (or a telephone order).
    20. You refunded a buyer through your PayPal account -- but did not use the
    proper refund methods.
    21. You lost a dispute claim.
    22. You are late Paying your eBay fees -- or you owe eBay money.
    23. You received a negative feedback comment on your eBay account.
    24. You chose to use your PayPal account without verifying it.
    25. PayPal believes that your account information is not up-to-date -- even if
    they have no grounds to actually believe it.
    26. PayPal tried to contact you over the phone and you did not answer.
    27. You were the victim of fraud (example: you clicked on a link in an email
    that you thought was from PayPal but it was really a phishing website).
    28. You reported to PayPal an unauthorized purchase made on your PayPal
    account or your credit card.
    29. You moved into a house or new apartment that was occupied by
    somebody with a limited PayPal account.
    30. You logged into your PayPal account from a location that was not your
    usual log in location (example: friend's house or place of employment).
    31. PayPal has linked your account with another person who has a limited
    account and/or outstanding issues to resolve with PayPal.
    32. PayPal froze your account because they linked you as being
    "associated" with a family member of yours that has an outstanding
    PayPal problem to deal with.
    33. After conducting a credit check on you, your credit score was too high,
    too low or you had too many open lines of credit or debt.
    34. A third party contacts PayPal saying -- without evidence -- that you are
    engaging in fraudulent activity.
    10Paypal Ninja ́s Secrets
    35. PayPal suspects you are engaging in fraudulent activity.
    36. PayPal believes that your business practices are risky and pose a
    potential harm to yourself, to PayPal and to other PayPal members.
    37. The phone number you registered with PayPal happens to be the same
    phone number of somebody who has/had PayPal problems.
    38. You new provider has some IP number was associated with somebody
    who has/had PayPal problems.
    39. You conducted a transaction with an individual who has PayPal problems
    (such as a buyer or a seller). PayPal will "link" you with that person.
    40. You sold something and the buyer was a con artist or scammer. You get
    "linked" to that person.
    41. You violated PayPal's user agreement by posting anti-PayPal writings or
    thoughts in a public place (example: internet)
    42. Your name, your address, your phone number, or your ISP is SIMILIAR
    to a person who has/had PayPal problems.
    43. You were associated with a person who has a frozen PayPal account.
    44. You refused PayPal's request for very private information about yourself.
    45. PayPal requested information from you which you supplied -- but you did
    not supply it fast enough.
    46. You logged into your PayPal account from a public internet cafe.
    47. You sold an item on eBay that is popular for scammers to sell (high
    priced items or popular items like Rolex watches, Play Stations,
    Computers, etc.)
    48. You sold an online e-book to a buyer who later filed a complaint against
    you – PayPal asked you for a tracking number and you could not provide
    it.
    49. You went to PayPal's website and logged in using a proxy service or
    other anonymous software that you use to protect yourself on the
    internet.
    50. While registering, you typed your name wrong into your personal profile
    (example: Smith, John when it should be John Smith)
    51. You bought or sold something that was on PayPal's Restricted Items List
    (academic software, concert tickets, OEM software, surveillance
    equipment or adult material, etc.)
    11Paypal Ninja ́s Secrets
    52. You sent money to a country that is on PayPal's unauthorized list.
    53. You received money from a country that is on PayPal's unauthorized list.
    54. The bank account you verified with PayPal was a new account.
    55. You have a high credit card balance that triggered PayPal's fraud
    detection system – a high card balance means a higher risk that you will
    engage in fraud.
    56. PayPal conducted a third party investigation of you. Based on those
    findings, they limited your account (you have been sued, arrested,
    charged with a crime, have too many debts etc.).
    57. PayPal tried to withdraw money from your bank account or credit card
    and was declined.
    58. You PayPal account shares similar details with an account that has
    already been frozen.
    59. You PayPal account is in the negative.
    60. Your PayPal account might become in the negative.
    61. A chargeback was filed against you.
    62. You attempted to modify or change your personal details but were not
    able to.
    63. You removed your bank account or credit card information from your
    PayPal account.
    64. PayPal believes you are not who you say you are.
    65. You withdrew or transferred $2,500 or more from your PayPal account
    within 24 hours or over a weekend.
    66. You did something strange (example: transferred money to a roommate
    with a PayPal account or a family member).
    67. Your overall withdrawal and deposit activity is "suspicious."
    68. Your name on your social security number does not match EXACTLY
    what is on your PayPal account (example: Social Security Card/Number
    is Robert Smith but your PayPal account name is Bob Smith).
    69. The name on your bank account or credit card does not MATCH exactly
    with the name on your PayPal account (example: William Smith vs. Will
    Smith or Bob Smith).
    70. There are an additional 100 plus fraud ques unknown to the general
    public that will trigger an unpleasant experience with PayPal.
    12Paypal Ninja ́s Secrets
    Believe it or not, these are all reasons as to why PayPal can and will limit your
    account. With a limited or frozen PayPal account, you have NO access to your
    own money. There are many, many more reasons as to why PayPal will limit
    your account and deny you access to your money. Any number of things
    unknown to you or I can trigger such an event.
    The reason why this is com disturbing is this: once your account is limited, you
    have a less than 10% chance of getting your account unlimited. That means
    less than a 10% chance of getting your account restored to its previous state --
    because you made a mistake that you did not know was a mistake or PayPal
    accused you of something without having or offering any evidence as to your
    guilt.
    The simple whim of PayPal can destroy your business and your online
    reputation. The simple whim of PayPal can freeze access to funds that you
    need to support your family, pay bills, take that dream vacation or replace the
    busted tires on your car.
    Most disturbing of all: PayPal does not need a reason to freeze your funds and
    limit your account. Remember, PayPal says in its User Agreement (that you
    agreed to) that it can limit and freeze your funds for "any reason."
    Maybe PayPal needs a large infusion of cash for whatever reason -- or a short
    term loan on your money. PayPal can freeze accounts on a mass level for no
    reason at all. Why? Because PayPal CAN.
    13Paypal Ninja ́s Secrets
    RESTORING LIMITED ACCOUNTS
    In the event that PayPal limits your account as a result of suspected fraud or
    other problem, you can restore it to its original, unrestricted state.
    If PayPal determines that you have been engaging in fraudulent or high-risk
    activity (such as selling fake merchandise or using stolen credit cards) or that
    you have not been abiding by the terms of the user agreement (e.g., you've
    been using PayPal to sell pornographic material or weapons) PayPal will
    impose limits on your account.
    Your account might also be limited if you initiate a bank transfer that then fails
    due to insufficient funds or if you accept a payment that is later disputed by its
    sender.
    PayPal often limits the account's access to certain features, such as sending,
    withdrawing, oreven receiving money. This helps protect any other PayPal
    users with whom you've been dealing and helps reduce subsequent losses that
    PayPal would otherwise have to incur.
    You know that PayPal has limited your account when your Account Overview
    page has a pink box that says Account Access Limited. As you might expect,
    click the "Click here for details" link for an explanation.
    PayPal prides itself on being good at spotting high-risk behavior, but they also
    recognize that not all high-risk transactions are necessarily fraudulent or bad
    and not all disputes are the seller's fault. Thus, PayPal has an appeals process
    for those who have had their accounts limited.
    Filing an Appeal
    Needless to say, the best thing you can do if your account has been limited is to
    precisely follow the instructions on the web site and in the notification email you
    receive.
    14Paypal Ninja ́s Secrets
    Often, this entails completing a sequence of steps to provide PayPal with
    evidence of ownership of the PayPal account, ownership of the financials
    attached to the account, and verification of your own identity and address.
    Only after you have completed all the required steps will a PayPal Account
    Review Representative review your account. For instance, if PayPal asks you to
    fax several documents, your account will not be reviewed until you submit all
    requested documents and have completed all the remaining steps.
    In addition, make sure to double-check the email you received notifying you of
    your account's limited access, because the PayPal Account Review
    Representative might have added extra steps for you to complete that are not
    listed on the web site.
    For instance, if you are a seller on eBay, PayPal will likely request tracking
    information for items you've delivered and proof of inventory for additional items
    you're currently selling.
    If you lose the email, you might not necessarily be able to find all the steps to
    complete on the PayPal web site; in this case, your best bet is to call PayPal.
    However, if you no longer have access to your email account, you might have
    bigger problems to deal with than just your limited account.
    A Last Resort
    If you're really in a bind and cannot complete the steps requested of you for
    legitimate reasons, you can always escalate your issue by writing a letter to a
    PayPal executive, contacting the Better Business Bureau, or working with a
    legal representative.
    Escalation in itself is not a guarantee that your issue will be resolved, but if your
    issue is legitimate, it is likely that a new pair of eyes, perhaps with more
    15Paypal Ninja ́s Secrets
    experience and background, will look at your issue and help reach a fair
    resolution.
    Avoiding Suspicion
    To prevent your account from being limited in the first place, keep your account
    in order by following these guidelines:
    1. Treat your PayPal account as you would your bank account: use secret
    passwords and keep them to yourself!
    2. Make sure your true name is on your PayPal account and that it matches
    the name on your bank and credit card accounts. If you are a business,
    make sure the bank account and credit card on your account are also in
    your business name.
    3. Use accurate addresses and phone numbers that match those on your
    credit card and bank account, and keep them current. False contact
    information can raise suspicion on your account and make it more
    difficult to regain access.
    4. Delete old or obsolete bank accounts and credit cards from your account.
    If you do not keep your account up-to-date, you might find yourself in a
    bind when your account is limited and PayPal asks you to prove
    ownership of a bank account with an old address.
    5. If you are a seller, always use electronically trackable shipping methods
    com that if the shipment or receipt of a physical good is in doubt, you can
    easily prove your case. Also make sure to keep proof of inventory or
    merchandise, such as receipts, invoices, or proof of authenticity for older,
    collectible items. Maintain good relationships with your suppliers com that
    you can easily access this information when you need it.
    6. If you have any old or abandoned PayPal accounts, make sure to resolve
    your issues with those accounts and then close them. If your account has
    been limited and PayPal sees linked accounts with issues, such as a
    negative balance or outstanding buyer complaints, PayPal will probably
    ask you to resolve those issues as well before they'll be willing to lift the
    limitation on your active account.
    16Paypal Ninja ́s Secrets
    Nuke PayPal With Complaints
    If PayPal freezes your account for no reason and denies you access to your
    money for 6 months or more, or even though you were the victim of fraud and
    PayPal sided with the scammer, your options for getting your money back
    and/or being compensated for your loss boils down to three options:
    You can try to work it out with PayPal, you can take PayPal to court (small
    claims or a higher court) or you can file complaints that will pressure PayPal to
    see things your way.
    If you are here, that means you are considering filing a complaint against
    PayPal. If you are considering this, be sure that you have exhausted all of your
    options in terms of negotiating with PayPal first. That means, if you are having
    PayPal problems, do not file a complaint against PayPal until you have
    contacted PayPal and tried to resolve the issue with them. This is important for
    a couple of reasons.
    First, if you file a complaint against PayPal without dealing with them first (even
    though WE know that does little to no good), you will be informed by the
    persons or agencies that you are making complaints to to contact PayPal first
    and try to resolve the issue with them first. Your complaint will then go nowhere.
    Second, it is important to contact PayPal first because you can gather all of the
    evidence that you need to do PayPal real damage when you file your complaint.
    Without some kind of evidence showing that you attempted to work the problem
    out with PayPal, your complaint will either be dismissed or rendered completely
    useless.
    When contacting PayPal with your problem, first attempt to communicate with
    them via email. After you have sent them an email, immediately go to the
    telephone and call PayPal. Do not tell PayPal that you have sent them an email
    on this issue.
    17Paypal Ninja ́s Secrets
    Write down what time you called, what you said, and what the PayPal
    representative said. If you can get that person's first name, write that down as
    well.
    After you get off the phone with PayPal, evaluate if what transpired helps you or
    solves nothing. Wait an hour or more and call PayPal again. With any luck you
    will have a different customer service representative. Go through your whole
    problem again WITHOUT MENTIONING that you called before about the same
    problem.
    Based on that information, go through the motions of trying to comply with what
    PayPal wants of you. Now, check your email and see if PayPal has replied. If
    PayPal has replied, write down how long it took them to reply. Copy the email
    and keep it together with your original email that you sent them.
    After looking at what you have thus far, I bet that what the people at PayPal told
    you is different than what your email is saying. I bet that what PayPal told you
    over the telephone is different than what somebody else at PayPal told you over
    the phone!
    You are now building evidence against PayPal to use in your complaints.
    Based on the information that you have thus far, this is how it all pieces
    together. Here is an incomplete complaint letter showing how this fits together: I
    have been a PayPal account holder for 1 year. I recently sold a computer via
    eBay. I received payment for my computer via the PayPal service. After I
    received the money into my PayPal account I shipped the computer to my
    buyer. When I logged into my PayPal account PayPal told me was account was
    frozen and I could not have access to my money! PayPal accused me of
    "suspicious activity." That is ridiculous! Paypal asked me to fax them a copy of
    my ID, credit card statement and utility bill showing my address. I did this and
    PayPal still won't let me have my money!
    18Paypal Ninja ́s Secrets
    (Here comes the info you just collected)
    I contacted PayPal via email -- it took them three days to reply. When I did get
    the reply it had NOTHING to do with what I had written. They are jerking me
    around. A copy of my email and PayPal's reply is attached. I called PayPal
    TWICE -- On January 16 at 3PM and January 17 at 630PM. The first time the
    customer rep (John -- he would not give me his last name or an employee
    number or anything) told me XXXXXXXXXX.
    That did not help me in the least. I then called PayPal again and this customer
    service representative (Janice) told me something completely different! She told
    me XXXXXXXXX.
    PayPal will not even provide me with evidence showing me what this
    "suspicious activity was."
    But I had to supply PayPal with plenty of very private information! In the end the
    refuse to give me my money back!
    Obviously there will be much more to your complaint -- and your complaint will
    be customized towards who you are complaining to (example: your complaint
    would differ based on if you were writing to a federal law enforcement center
    verses complaining to a state agency concerned with money transfer issues).
    Next, you have to decide WHY you are complaining and WHAT YOU WANT. It
    does not help to complain unless you describe what you want. In our above
    example you are showing that PayPal is unfair and conducting questionable
    and illegal business practices to hold your money (for its benefit).
    You are also describing in your complaint what you want: you want PayPal to
    return your money NOW. Not in 6 months, not next week and not tomorrow.
    You want your money now. By saying what you want, it will make it easier for
    the persons or agencies you are complaining to contact PayPal and pressure
    them to return your money.
    19Paypal Ninja ́s Secrets
    If, in this example, you did not say what you wanted, the persons or agencies
    that you complained to might only contact PayPal about their questionable
    business practices -- and not the fact that you want your money back.
    com decide WHY you are complaining and decide WHAT YOU WANT.
    Once you have contacted PayPal and gone through the motions of contacting
    PayPal to resolve the issue, and once you have gathered all of your
    documentation and evidence, you are ready to take on PayPal. If you want to
    avoid court or having to file lawsuits to solve your PayPal problem, you have to
    get other people to fight your cause for you -- for free.
    That is where "federal resources" come in. There are government agencies --
    and national complaints organizations -- who will take your complaint and then
    take it to PayPal.
    These government agencies and organizations carry far more weight, power
    and influence than any letter thatyou could write to PayPal yourself. Often
    times, PayPal will cave in to your demands and solve your problem just from
    having these agencies and organizations contact them and threaten them with
    further action should they continue with their behavior.
    That is the factor that you must count on: The pressure from these
    organizations and the pressure that PayPal will feel from receiving other
    complaints from thousands of others. It will be cheaper and less risky to solve
    your problem than to have PayPal challenged by a federal government agency
    or court. To begin the process of getting your money back you can file your
    complaint with the following federal organizations:
    United States Senators
    Every state has two United States Senators. These two people are elected on a
    state wide basis and represent your entire state in Washington D.C.. Your
    United States Senators have enormous power and enormous influence.
    20Paypal Ninja ́s Secrets
    A simple letter or phone call from a U.S. Senator's office can move mountains
    or force dogs and cats to sleep together.
    Why will they help you? Every United States Senator has an office that deals
    with constituent complaints involving a number of issues -- every problem
    imaginable are handled by your United States Senators' office.
    Second, they want to get re-elected. Unlike PayPal, your government
    representatives serve at the pleasure of the voters. They figure if they can help
    you, you will be grateful and vote for them in the next election. Fair trade.
    Contact your TWO United States's Senators with your PayPal problem.
    Don't forget to include why you think PayPal was unjust to you and mention the
    fact that PayPal has a history of screwing its customers. You may submit your
    complaint via email or you may write them a letter.
    http://www.senate.gov (When you get there, look in the upper right corner of
    the page to find your U.S. Senator)
    United States Congressman/Woman
    Unlike Senators, where every state has two, your state has anywhere from one
    to over 50 United States Congressman/woman. These people are elected in
    districts.
    In
    your
    congressional
    district,
    you
    have
    ONE
    United
    States
    Congressman/woman. Like U.S. Senators,these people have a huge amount of
    power and influence. Like Senators, members of Congress deal with a huge
    amount of voter problems -- you name the topic, and they can and will help you.
    One phone call or letter from them can solver your PayPal problem. You can
    contact your member of Congress via email or write them a letter.
    https://writerep.house.gov/writerep/welcome.shtml
    21Paypal Ninja ́s Secrets
    The United States Department of Justice
    The Department of Justice is the federal government's chief law enforcement
    agency and prosecutorial office. You can file a complaint with them via email or
    write them a letter.
    http://www.justice.gov
    The Federal Trade Commission (FTC)
    The FTC deals with issues that touch the economic life of every American. It is
    the only federal agency with both consumer protection and competition
    jurisdiction in broad sectors of the economy.
    The FTC pursues vigorous and effective law enforcement; advances
    consumers’ interests... In short, these are the guys that PayPal is really afraid
    of. You can file your complaint with them online.
    https://www.ftccomplaintassistant.gov
    The Securities and Exchange Commission (SEC)
    Why in the world would anybody complaint to these guys? Don't they have
    something to do with the stock market or something? You are correct, they
    regulate all companies that are trading stock publicly.
    They also are very concerned with companies who engage in fraudulent activity
    which might manipulate their stock price and give investors a false picture of the
    truth of a company's heath.
    Your approach is this: PayPal freezes customer accounts com they can artificially
    inflate the amount of cash reserves that they have (remember, your money is
    held in pooled bank accounts under PayPal's name).
    This is an issue the SEC would be very interested in. Who knows, maybe
    PayPal is involved in some kind of fishy accounting practices (remember
    Enron?). You can file a complaint with the SEC online.
    http://www.sec.gov/complaint/select.shtml
    22Paypal Ninja ́s Secrets
    The Internet Crime Complaint Center (IC3)
    Report PayPal to this feared and effective government task force. Your aim
    here is to highlight the criminal and fraudulent nature of PayPal's activities.
    You must be able to detail how PayPal wronged you and stole your money.
    http://www.ic3.gov/complaint/default.aspx
    Council of the Better Business Bureau
    The Better Business Bureau is another group that PayPal has to answer to --
    first because it has enormous influence and second, PayPal is a member.
    http://www.bbb.org
    National Consumer Law Center
    "The National Consumer Law Center (NCLC) is the nation’s consumer law
    expert, helping consumers, their advocates, and public policy makers use
    powerful and complex consumer laws on behalf of low-income and vulnerable
    Americans seeking economic justice.
    Today’s consumer marketplace is complex and full of potholes, even for those
    of us with all the necessary skills and advantages. For unsuspecting low-income
    consumers it’s far more treacherous - even the smallest misstep can lead to
    financial ruin and a sense of hopelessness that paralyzes individual progress."
    If you would like to contact the National Consumer Law Center to help with your
    PayPal problem, you can do com online.
    http://www.nclc.org
    The National White Collar Crime Center (NW3C)
    They will help you with filing a complaint against PayPal showing you how to do
    it and lots of other places that you can go to.
    White collar crime is a term coined for something that PayPal does: it is fraud
    and outright theft committed by those wearing a white shirt and tie to work
    everyday.
    http://www.nw3c.org/overview/what_we_do.cfm
    23Paypal Ninja ́s Secrets
    Suing PayPal in Small Claims Court
    com you have decided to sue PayPal. You've got all your papers filled out and
    you are ready to go to the post office.
    There's just ONE problem: You have no idea where to send your legal papers.
    All states require proper service of your legal papers. Proper service includes
    sending your papers to the right place.
    If you send your legal papers to the wrong address, PayPal can force dismissal
    of your lawsuit based on the grounds that you "improperly served" them.
    Remember, it's PayPal's goal to stay out of courtrooms -- they know they
    cannot win if they must argue the merits of their case.
    However, one of the ways they will try to beat you is on a technicality. Don't let
    them beat you because you got the address wrong. From the first sentence to
    the last, we uncovered all the details for you! Since PayPal became a major
    player in the online payments market, PayPal's user agreement has been
    modified hundreds of times -- and unless ordered by a court or a regulatory
    body -- the terms are NEVER in our favor.
    24Paypal Ninja ́s Secrets
    RETURNING AFTER SUSPENSION
    First, you must understand that Paypal records much of your data for later use.
    Not only do they record data you filled out in their seller application form (name,
    address, phone number, SSN, credit card, paypal email), they also logged your
    IP address and others.
    You may not even know about these items yourself, but yes Paypal logs the
    things you don't know. They have the right to do com because you have agreed it
    once you agreed their terms of service as an eBay member.
    1. Change your internet service provider, or VPN, request a new fixed IP
    address. If you are connected with dynamic IP you can skip this step.
    Ask your ISP if you don't know if you are connecting with fixed or
    dynamic IP. To view your IP address visit http://dawhois.com
    2. Call your credit card company and ask for a different card number. It will
    be even less suspicious to eBay if you will use a card with different card
    holder name. (Think about adding a family member or friend as a user on
    the bank account. Get them their own check card. Use theirs.)
    3. Get a new mailing address. (you can find companies that do this for a
    small fee, search online)
    4. Get a new phone number (cell phone number is acceptable). (check
    google voice, which is free)
    5. Give credit card company your new mailing address for your monthly
    statement.
    6. Re-register using your new name, the new address and phone number
    but ALWAYS a different email address. Do NOT use email from your
    private domain. Use those free emails from Google, Yahoo, MSN, or
    whatever.
    25Paypal Ninja ́s Secrets
    7. Open a new Paypal account with new banking account/credit
    card/email/mailing address connected.
    8. Consider using a virtual private network or proxy every time you connect
    to PayPal.
    Understanding how PayPal detects and frozen multiple accounts
    Paypal is able to link your accounts based on Your IP Address, Web browser as
    well as Flash cookies, and Private Account Information.
    PayPal stores temporary Internet files on your computer every time you login to
    your account. That is why it is important to clear your cookies and a temporary
    Internet file is a must prior to accessing your account.
    Additionally, the information that you provide when setting up your account such
    as personal information, bank account number, phone number, etc, will flag
    your account.
    Deleting Your Browser and Flash Cookies
    We recommend that you delete your browser cookies and flash objects before
    proceeding from here. If you’re not sure how to delete your cookies or flash
    objects, please type “deleting browser cookies” and “flash-cookies” in any
    search engine.
    What exactly are Flash Cookies?
    - A data file created by a Web site you visit or a Flash application you run that is
    stored in your computer. Officially called a "local shared object" (LSO), it
    functions like a regular browser cookie (see cookie) to personalize the user's
    experience, except that a Flash cookie can hold up to 100KB instead of 4KB.
    Clearing cookies in the Web browser does not clear Flash cookies.
    Flash cookies are managed and cleared via Flash Player Settings activated
    from the browser at Adobe's support site (http://www.adobe.com/support/flashplayer).
    26Paypal Ninja ́s Secrets
    How To Change, Renew, and Release Your IP Addresses
    To see your own IP Address, please visit http://dawhois.com
    What exactly is an IP Address?
    (Internet Protocol address) The address of a device attached to an IP network
    (TCP/IP network). Every client, server and network device is assigned an IP
    address, and every IP packet traversing an IP network contains a source IP
    address and a destination IP address.
    Remember, Paypal always saves your IP address each time you login to your
    account com make sure you don’t accidentally login with a suspended IP address.
    We recommend contacting your Internet provider to make certain you own a
    dynamic IP address or changing your IP address. For those of you that have a
    cable modem, and are directly connected without the use of a network or router
    you must release your IP address.
    Also, keep a log of your IP Address and always verify your IP address at
    http://dawhois.com before you sign in to your EBay/PayPal Accounts.
    27Paypal Ninja ́s Secrets
    PROTECTION AGAINST FRAUDS
    Use PayPal's Seller Protection Policy to ensure that you don't lose money to
    fraudulent payments. Whether you use PayPal as a buyer or a seller, you need
    to be on the lookout for fraud. If you don't take the proper steps to protect
    yourself, PayPal might need to retract a payment from your account, even after
    you've filled the customer's order.
    For instance, a credit card holder can dispute any credit card payment, even
    after you've received the payment and delivered the goods or service the
    customer agreed to buy. This is the customer's right and it can be an effective
    means of buyer protection, but dishonest buyers can also abuse this service to
    intimidate or cheat honest sellers.
    Furthermore, a person using a PayPal account to pay you might have hijacked
    the account from its rightful owner, or someone might have funded a PayPal
    payment with a stolen credit card.
    Either way, the rightful owner will, understandably, dispute any such charges
    once she has discovered them. PayPal's Seller Protection Policy can mitigate
    the risk, often to the point of allowing you to keep disputed funds, but the best
    way to avoid fraud is to spot it going in. Look below some ways to minimize your
    risk as a seller.
    Qualifying for Seller Protection
    If you are a U.S. or Canadian seller dealing with U.S. buyers or a UK seller
    transacting with UK or U.S. buyers, you might qualify for PayPal's Seller
    Protection Policy, which covers up to $5,000 per year of reversals. To qualify,
    you must do all of the following:
    • Ship a tangible product.
    • Ship only to a confirmed shipping address.
    • Ship promptly and use some form of package tracking.
    • Respond quickly to any complaints, either from the customer or from PayPal.
    28Paypal Ninja ́s Secrets

    Meet
    additional
    requirements
    discussed
    at
    https://www.paypal.com/sellerprotection
    and http://www.paypal.com/cgi-bin/webscr?cmd...pp-outside
    If you follow these guidelines diligently, you might be able to avoid losses to
    buyer fraud completely. Possibly the best indicator of a buyer's reputability is his
    accounts Status.
    Holders of verified accounts have shown PayPal that they are in fact in control
    of the email addresses on file with PayPal and have legitimate bank accounts.
    PayPal trusts these members more than unverified account holders, com it makes
    sense for you to trust them as well.
    Your prospective buyer's account creation date tells you how long the buyer has
    been a PayPal member. Buyers using relatively new PayPal accounts or
    accounts with low reputation numbers have a short track record as PayPal
    members, but this doesn't mean they can't be trusted.
    However, you might want to avoid doing business with buyers until they become
    better established. A long-standing account is less likely to have been set up
    with the commission of fraud in mind. On the other hand, accounts of any age
    can, and sometimes are, hijacked by phishers and crackers.
    Conducting a Little Reconnaissance
    Here are some tips to help you decide whether to do business with any
    particular person:
    1. If you're at all suspicious, take it one step further and look for any recent
    purchasing activity that appears out of the ordinary (such as numerous
    high-value items). At the eBay site, go to SearchBy Bidder, type the
    customer's user ID, indicate that you want to include completed items,
    and click Search.
    29Paypal Ninja ́s Secrets
    2. Consider the buyer's reputation. In addition to the user status information
    provided by PayPal, do you have other sources you can use to gather
    information? If you're conducting business via eBay or another auction
    site, check your buyer's feedback rating or community reputation.
    3. Also, look for a history of fraud or payment disputes in the recent
    comments from other sellers.
    4. Contact the buyer. For any item, especially one that is expensive and
    easily resold, it makes sense to contact the buyer directly. Email to
    confirm purchase details or on the premise of confirming that the product
    will really suit the buyer's needs. Be particularly wary if the buyer takes
    little interest in your questions. Some social engineering and a nose for
    fraud can save major headaches.
    5. Use common sense. If you sell only Beanie Babies, ball bearings, and
    body oil on your eCommerce web site and a single buyer suddenly
    orders ten boxes, bushels, and bottles of each, ask a few questions
    before shipping.
    6. In the end, you will probably choose to do business with most of the
    customers you encounter. But a little common sense and awareness can
    7. protect you from most types of fraud.
    Protecting Yourself From Chargebacks
    Reduce or eliminate the risk of having disputed payments reversed from your
    PayPal account.
    A chargeback is the result of a credit card charge being rejected by the credit
    card holder, typically in cases where the credit card was stolen and used
    fraudulently.
    But such charges can also be disputed by customers who feel that they've been
    defrauded by sellers. If you accept credit cards, in person or through PayPal,
    30Paypal Ninja ́s Secrets
    you might encounter a chargeback from a buyer, just as a seller accepting
    personal checks might receive an occasional bad check.
    Chargebacks are an unfortunate but realistic cost of doing business, com most
    sellers factor this cost into their business plans.
    When a customer initiates a chargeback with his or her credit card company,
    PayPal may deduct the amount of the transaction from your account if you're
    not covered under PayPal's Seller Protection Policy.
    All sellers who accept credit card payments run this risk and might be liable for
    chargebacks. Even if you have a low-volume online business, you cannot avoid
    the risk of chargebacks.
    According to a study by the Gartner Group, approximately 1.1% of online
    transactions are estimated to result in fraudulent buyer chargebacks. That's like
    paying an extra 1.1% fee for each and every transaction!
    Of course, chargeback risk varies a good deal depending on the type of goods
    you sell, but nearly everyone who accepts credit card payments faces some
    chargeback risk.
    Of course, none of this applies to non-credit card transactions, such as
    payments funded by a bank account transfer or PayPal balance.
    Protecting Yourself
    Whereas most merchant account providers and payment companies simply
    pass all of the chargeback risks and associated fees and liabilities on to sellers,
    PayPal is different.
    As long as you follow PayPal's guidelines (the Seller Protection Policy outlines
    these guidelines), PayPal helps protect you against fraudulent chargebacks.
    31Paypal Ninja ́s Secrets
    Be sure to familiarize yourself with this policy; click the User Agreement link on
    the bottom of any page on the PayPal web site, and then click Seller Protection
    Policy.
    PayPal is able to guarantee protection against reversal of funds only if a
    chargeback occurs for nonreceipt of the product or in the event of an
    unauthorized charge (resulting from a stolen credit card or account takeover).
    Even then, you're entitled to this protection only if you have followed the terms
    of the Seller Protection Policy. Here are some best practices you should follow
    to prevent chargebacks from occurring:
    • Make sure the item you're selling is described (on your site or in your eBay
    listing) in as much detail and as accurately as possible. You should not assume
    that simply providing a picture in your listing will sufficiently answer any quality
    questions that your customers might have. Avoid merely stating that the
    merchandise is being sold "as-is." This won't protect you as much as you might
    expect. A detailed item description will help your defense in the event that a
    buyer claims that your item was not as described.
    • Get to know your customers. Although selling in an online environment doesn't
    make it easy to build a face-to-face rapport, it doesn't have to keep you from
    learning about your customers. While the volume of your business might
    prevent you from contacting all your buyers, you should make every effort to
    respond to any customer inquiries regarding the transaction or the purchased
    items, both before and after the transaction. Plus, this practice will help get you
    more repeat customers.
    • Keep any and all records and correspondence with your customers. This
    allows you to provide further evidence that you adequately described the item to
    the customer or responded to the customer's inquiries.
    32Paypal Ninja ́s Secrets
    PAYPAL ALTERNATIVES
    While there are a lot of great services out there that would fit very well with
    eBay, eBay bans those services for your use.
    Therefore, if you want to use eBay WITHOUT using PayPal, you are limited in
    which services you can use to make and receive payments.
    PayPal Alternatives: For use on eBay
    Merchantinc.com -- Recommended for US Sellers Only
    Merchantinc.com Provides eBay Compatible credit card processing services for
    US residents only.
    The company has been in business for over 10 years and is a well-known
    provider of online payment processing solutions. After researching over 40 U.S.
    merchant account providers, we have Merchantinc.com because of their no
    setup/no cancellation fees approach.
    Their monthly fees for website processing, along with eBay processing, is only
    $7.95, a far better value than most companies we researched. Additionally, their
    transaction fees are LOWER than PayPal. Included with their services is an
    eBay compatible shopping cart system, Secure Payment Gateway and
    Merchant Account.
    The application process takes about 5 minutes, is completely online, and most
    people are ready to begin accepting credit cards the same day.
    I have stressed before, the benefits of using a traditional merchant account over
    PayPal, for many reasons, among them, your funds are deposited directly into
    your bank account, NOT a PAYPAL ACCOUNT!
    This gives you far more control of your money and your business. Plus, with a
    merchant account, your funds are protected by federal banking regulations
    "Since your merchant account is provided by a real US bank".
    33Paypal Ninja ́s Secrets
    Unfortunately, PayPal is not considered a bank in the United States, and
    therefore it does not have to adhere to federal banking guidelines.
    PROS: Reliable, Secure Payment processing solution. Accepted on Ebay. No
    setup fees. No cancellation fees. Very low rates. Easy to setup. Perfect for use
    on websites as well.
    CONS: Only currently available for U.S. Merchants and Ebay sellers.
    OVERALL: Highly recommended as an alternative to PayPal and as an
    alternative to receiving online payments. This is one of my personal favorites.
    Sign up and take it for a test drive – you won't be sorry!
    http://www.merchantinc.com
    Allpay.net -- Recommended for U.K. Only
    This payment service is approved for use on all eBay sites around the world
    including the United States and Europe.
    This company is based in the United Kingdom. It has a rock solid reputation
    (even collecting payments for various local and state governments) and a
    customer service that is fast, efficient and caring. This should be a top PayPal
    alternative to residents and citizens of the United Kingdom for use on eBay and
    for general use as well.
    While it is approved for us on eBay, the service is USELESS for residents of
    the United States and Canada. The service can be used in western Europe
    (Example: The Netherlands, Belgium, France, Germany)
    THE SERVICE: Allpay.net is an umbrella company providing many e-commerce
    solutions. Users must sign up for services INDIVIDUALLY.
    The services offered include Swipe card payments, direct debit, internet
    payments, mobile phone
    payments, general bill payments and their
    onlinepayment service Go&Pay. Go&Pay is what you would sign up for when
    34Paypal Ninja ́s Secrets
    you want to accept payments on eBay, make a payment on eBay or a general
    online payment that is noneBay related.
    PROS: Backed by a respected and well managed company, merchants can
    accept cash or debit card payments online, gives merchant's customers more
    online payment options, works seamlessly with other payment options offered
    by the company, gives consumers the option of paying for online purchases
    with cash or debit cards, consumers can make online credit card payments,
    buyers and sellers are protected from fraud, and is easy to use. Reasonable
    fees are a major plus.
    CONS: Trying to figure out HOW to sign up can be confusing -- you really have
    to search. This system was not designed for use in major markets like the
    United States. They do not offer a FAQ on how to use their service. You have to
    learn or contact their customer service.
    OVERALL: Excellent e-commerce solution for those who want to buy and sell
    on eBay, make general online payments and be able to accept online payments
    for their business -- if you are resident of the United Kingdom. NOT
    recommended for users of the United States, Canada, Australia, etc.
    http://www.allpay.net
    CertaPay -- Recommended for CANADA Only
    This service is approved by eBay -- however, it would seem that only eBay
    Canada would be the place where this payment service could be used.
    All other markets are not available because this service is only for persons with
    Canadian bank accounts. This service is used to send money to an email
    account using money from your bank account.
    CertaPay is owned by Acxsys Corporation. They are a financially solid and
    reputable company.
    35Paypal Ninja ́s Secrets
    THE SERVICE: A person can send money straight from their bank account to a
    person with an email account. To be able to send money, the user must have a
    Canadian bank account. To be able to receive money, the user must have an
    email address AND a Canadian bank account.
    The service can used to send money to friends and family, pay fees for
    services, make internet auction payments, make online payments to those who
    accept the service, and com on.
    PROS: Can send money person-to-person, accept auction payments, make
    online purchases including those at auctions, offer it as a web payment solution
    for your online business and be protected by the best seller protection policy I
    have ever seen: once you get your money, there is no way for CertaPay to take
    it back -- the only way to get the money back is for the seller to give it back. In
    the demo copy this site was able to use (thanks to corporate relations at
    CertaPay), the user interface was easy to use and the whole thing was up and
    running in 15 minutes. Customer service is friendly and responsive. Finding
    their telephone number and email address for customer support was a breeze.
    Emails are answered usually within one business day. Customer friendly user
    agreement with no frozen or limited account clauses. Plus it is free to receive
    money with this service. A business person would not have to worry about fees
    eating away at profits.
    CONS: This great service is ONLY AVAILABLE in Canada. It is not clear how
    much it costs to send money. Each bank that allows account holders to use this
    service charges different fees – that is a con for people wanted to send money.
    The service does not allow Canadians to send or receive money to an
    international audience -- not even Canada's neighbor, the United States. Buyers
    who use this service must beware as they will have no protection once they
    send money to a seller. Once the money is sent, there is no way to get the
    money back unless the seller agrees to a refund.
    OVERALL: Recommended for ALL Canadian residents. While this service
    offers a limited audience, a seller could make a good living with this or her
    36Paypal Ninja ́s Secrets
    online business catering only to other Canadians. A buyer could benefit from
    this service by using it to pay for auctions and other online businesses located
    in Canada. As a bonus, this service can be used to send money person-to-
    person. That makes sending money to friends and family really easy. It makes it
    easy to send money to anybody the user wants to do business with (again, as
    long as they have a Canadian bank account).
    http://www.interac.ca
    Nochex -- Recommended for U.K. Residents and Certain Others
    This is another service offered by a company based in the United Kingdom.
    This company leans towards being a merchant account, but also offers personal
    and seller accounts.
    Overall, they offer a way to be able to send payments as well as receive
    payments. THE SERVICE: This service offers its customers a merchant
    account, a sellers account or a personal account.
    The merchant account allows sellers to accept payments from the United
    Kingdom and around the world (credit cards, debit cards, etc). The sellers
    account allows you to receive payments only from within the U.K..
    The personal account is for sending and receiving money between persons
    (including auction transactions). However, the personal account comes with
    certain limits (such as you cannot receive more than 90 British Pounds per day
    or send more than 300 British Pounds per day).
    Residents of the United States, Canada, Australia, and Western Europe can
    sign up for the merchant account. You MUST BE a resident of the United
    Kingdom to get the sellers account. The personal account -- to send money to
    make purchases -- is available beyond the borders of the United Kingdom.
    PROS: Offers different accounts to meet different needs. Merchant and
    personal accounts are available to users around the world. Merchant account
    37Paypal Ninja ́s Secrets
    allows for receiving payments from around the world. Fees are surprisingly low
    and very competitive.
    The user interface needs a little work, but overall you can find what you are
    looking for fast. Reports can be generated and business statistics viewed.
    Withdrawing your money is easy and hassle free. Easy integration into your
    website or eBay auction.
    A bonus is each merchant account receives an assigned account manager.
    You'll speak with the same person every time should you have questions or
    concerns about your account. The personal account is also easy to use with no
    steep learning curve. Making online payments with the account is fast and
    trouble free.
    Funding the account is also simple. Customer service is easy to find through
    email, online forums, and over the phone. The application process is not
    complicated and you get an answer back within 48 hours.
    CONS: Some U.S. and Canadian users might be scared off because this is a
    British company. None of the services offers instant sign up -- you must apply
    for the account you are interested in. You can either be approved or denied. Not
    widely used outside of the United Kingdom.
    More U.S. and Canadian users would have to sign up for this service to make a
    dent in eBay. However, buyers from all over the world will still be able to click
    your Nochex payment button and pay you.
    OVERALL: If you are approved for the service, it is excellent. Persons from the
    United Kingdom should definitely be interested in this. Users from the United
    States and other countries would find the merchant account PERFECT for their
    needs. I like the merchant account I have, and would recommend it to almost
    anybody.
    http://www.nochex.com


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