1. You will not receive a refund of the PayPal fees that you paid in connection with the sale. If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must: By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. If the balance in your Balance Account or business account doesnt cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. This includes amounts owed by using our various products such as Venmo, Xoom or Braintree. If your payment requires a currency conversion by us, PayPals transaction exchange rate (including a currency conversion spread) will be used, and may be the rate at the time the payment is processed. CHAPTER 6 The National Executive. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. 1Estimated debt-service payments owed to all official bilateral creditors as per theWorld Bank Debtor Reporting System (DRS) and International Debt Statistics definitions and classifications. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you are using PayPal software such as an API, developers toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPals software in accordance with the documentation accompanying such software. If you select a payment method with a fee, we will always show you the fee before you send money. Set realistic goals. PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. Please consult the Q&A pagefor more information. All payments that complete this payment review will be eligible for PayPals Seller Protection program if they meet PayPals Seller Protection program requirements. PayPal will notify you of each transaction by sending an email to your primary email address on file. Data for South Sudan, Micronesia, Tuvalu, Kiribati, and Marshall Islands are not available. Our fees do not include any taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, taxes). E-check. Limitations also help us collect information necessary for keeping your PayPal account open. You request documentation or information concerning the Remittance Transfer, such as information required to determine if a Remittance Transfer Error occurred. The confirmation code or number of the transaction. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPals sponsorship or endorsement. Remember, you always have the choice to select any payment method in your PayPal account by clicking the Change link on the Send Money page. You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. How Does It Work? If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. If youre a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. The bank added that economic growth was subdued in Nigeria, with annual growth slowing from 3.6 per cent in the first quarter of 2022 to 3.4 per cent in the second quarter. You request additional information or clarification concerning a transfer to or from your PayPal account, including a request you make to determine whether an error has occurred. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a card not present transaction, even if the buyer is at your store location. You may close your PayPal account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. The balance functionality in your business account will differ depending on whether we have been able to verify the required identifying information that you provide to us. the problem was caused by extraordinary circumstances outside our control. Your total claims do not include claims for Unauthorized Transactions. PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. The World Bank Group works in every major area of development. For transactions that are not processed either through a buyers PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the PayPal transaction exchange rate (including our currency conversion spread) that applies at the time the refund or reversal is processed. Established in May 2020, the DSSI helped countries concentrate their resources on fighting the pandemic and safeguarding the lives and livelihoods of millions of the most vulnerable people. transferring it via a standard transfer to a bank account linked to your business account for free, transferring it via an Instant Transfer to an eligible debit card or bank account linked to your business account, subject to the fees applicable to such transfers that can be found on the, withdrawing it from an ATM (automated teller machine) if you have a PayPal-branded debit card (fees may apply), or. Telephone us at (888) 221-1161, contact us through the PayPal Resolution Center; or write us at PayPal, Attn: Error Resolution Department, P.O. The World Bank has said that public debt in Nigeria is concerning due to the rising debt service-to-revenue ratio. Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. you (or someone assisting you) made the transfer with fraudulent intent. Despite significant relief measures brought on by the COVID-19 crisis, about 60 percent of low-income countries are at high risk or already in debt distress. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one persons or partys claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. 5Reflects if a country has requested participation in 2020 and 2021. Ferdinand Emmanuel Edralin Marcos Sr. (Tagalog: , English: / m r k s / MAR-kawss; September 11, 1917 September 28, 1989) was a Filipino politician, lawyer, dictator, and kleptocrat who was the 10th president of the Philippines from 1965 to 1986.He ruled under martial law from 1972 until 1981 and kept most of his martial law powers until he was deposed Our investigation of a bank reversal made by a buyer or the buyers bank finds that the transaction was fraudulent. This user agreement will be effective for all users as of November 7, 2022. If you request a paper check from us, you must cash it within 180 days of the date of issuance, or we will return the funds to your linked Balance Account if you have one or hold the funds on your behalf and retain the non-refundable fee of $1.50. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. Remember that if you dont send the payment through your PayPal account, youre not covered by PayPal Purchase Protection. Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayPal Digital Gifts and linked to your personal or business account as payment methods. Holds related to Marketplace transactions. The Notice of Dispute requirements are essential in order to give the parties a meaningful chance to resolve disputes informally. We may allow you to convert the funds to balance in another currency. PayPal will send all withholding taxes to the appropriate taxing authorities and cannot refund those amounts. If they dont open a PayPal account within 30 days, your purchase will be refunded. Similarly, the liability limits applicable to your PayPal account may differ from those applicable to your bank account. Lottery or Prize: a scammer informs you that youve won a lottery or prize and must send money in order to claim it. This procedure is the only way you can opt out of the Agreement to Arbitrate. This amount, initially repayable between July and December 2021 will now be repaid over a period of six years (including one-year grace period) in semi-annual instalments. If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable chargeback fee or Dispute fee). If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the AAA or arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration from being prohibitive. The login page will open in a new tab. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you; open a Balance Account to hold and use the money as a balance in your Balance Account for purchases or to send personal transactions to friends and family members. Chinese debt relief falls into four categories: G20 Debt Service Suspension Initiative (DSSI), debt cancellation under the Forum on China Africa Cooperation (FOCAC), ad hoc debt relief, and contributions to the IMFs Catastrophe Containment and Relief Trust. In addition you may be required to pay a fee to PayPal if you are making a purchase using PayPal Business Payments and the seller discloses to you that you, as the buyer, must pay the fee. Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment. We may revise the fees applicable to future transactions that you process using PayPal, subject to the applicable notice requirements set forth herein. PayPal co-branded credit card; 5. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. If the transaction was in a currency not listed in the Dispute fee table, then the fee charged will be in your primary holding currency. The Debt Service Suspension Initiative (DSSI) means that bilateral official creditors are, during a limited period, suspending debt service payments from the poorest countries (73 low- and lower middle-income countries) that request the suspension. We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this agreement. PayPal determines, in its sole discretion, whether your claim is eligible for the PayPal's Purchase Protection program. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. PayPal may request that you provide your tax identification number and/or a U.S. tax form such as W-9 or W-8. Any arbitration hearings shall be held in the county in which you reside or at another mutually agreed location. If we suspect someone could be using your PayPal account without your knowledge, well limit it for your protection and look into the fraudulent activity. PayPals currency conversion rate, including our, The original payment method you used for the transaction, if you used a credit card, debit card, PayPal Credit, a Balance Account, or balance in a business account as the payment method, or. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. The following are NOT considered Remittance Transfer Errors: If you think there has been a Remittance Transfer Error or problem with your Remittance Transfer: You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPals Pay with Rewards program. Obi lashes out at Melaye, Half salaries: FG acted on law, says Gbajabiamila, Obi not mature, should apologise to me - Melaye, FRSC backs officer who injured pregnant woman, Ibadan interest first before I take decisions - Makinde, Ignore Ngige, pay lecturers' salaries, Falana urges Buhari. To do this, we will charge $1.95 to the card. This type of transaction is sometimes called a billing agreement, "subscription," "recurring payment, reference transaction, "pre-approved payment" or "automatic payment". The payment is made using the send money feature through your PayPal account, The payment amount equals or exceeds $15 U.S dollars (excluding fees charged to you) or the foreign currency equivalent calculated using exchange rates in effect at the time of the transaction, and. Formal theory. If we decide that there was no error, we will send you a written explanation. the country of the buyers account or the currency of their card; whether you are registered as a charitable organization and have active 501(c)(3) status. If we are unable to do so, we will refund the money to your balance in your business account. It will subsequently increase to 14.7% in 2023 and 15.4% in 2024, the report said, classifying Ghana as a Low Income Developing Country. Examples include: indications of poor selling performance because youve received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, or if your typical sales volume increases rapidly. If countries could have a situation where the common framework clause allow the country to have a standstill on debt, that would help the country choose their path forward on debts restructuring. You request receipt or periodic statement documents that PayPal is required to provide to you. Global data and statistics, research and publications, and topics in poverty and development. You can also click on the Manage link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. We use necessary cookies to make our site work. PayPals IRS, state, and local reporting obligations are not limited to payments you receive for goods and services transactions. Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. If you use PayPal Payouts (formerly Mass Pay), the PayPal Payouts Terms and Conditions will apply. If we change the terms of the reserve due to a change in our risk assessment, well notify you of the new terms. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. When we place a reserve on your business account, it means that all or some portion of the money in your business account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your business account or use of the PayPal services. Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyers option) any payment that is in an amount that falls outside of the pre-determined range. Nigeria and Ghana both, did not ask for the common framework treatment, he said, adding that the situation has made it difficult for such countries to overcome the negative impact of current global economic hardship on trade and currencies of developing countries. implement and maintain all appropriate security measures in relation to the processing of such personal data; maintain a record of all processing activities carried out under this agreement; and. Such instructions must include at least: (1) one active customer service email address or active customer service URL to file tickets for assistance and/or (2) one active customer service telephone number. If we have not verified the required identifying information, a balance in your business account can only be held in your business account and transferred to a linked bank account or debit card or you can request PayPal to send you the money by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). DSSI borrowers committed to use freed-up resources to increase social, health, or economic spending in response to the crisis. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. Not ask your buyer to send you money as a personal transaction (often referred to as using the send money to a friend or family member feature). The AAAs rules are available at www.adr.org. Japan Agrees to Defer Pakistans $160 Million Debt, Pakistan Needs Billions of Dollars to Rebuild After Floods: PM Shehbaz, Imran Khan Firing: Pakistan Army Condemns Attack on Chairman PTI, Govt Delays Decision to Grant FIA Special Powers, Govt to Connect Islamabad's Sectors With Metro Bus Service, Imran Khan Firing: Assassin Gives Contradicting Statements in 60 Seco, Imran Khan Firing: Wishes Pour in for Speedy Recovery of Former Prime. If you promote the use of PayPals consumer credit products on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. PayPal will always perform the conversion for transactions where your Balance Account balance, business account balance or linked bank account is the payment method. If they dont claim it, it will be refunded to you. Commercial creditors, however, are not so bound. If you have a PayPal Debit Mastercard (PayPal Debit Card), have enrolled in Direct Deposit, or have bought or received cryptocurrency, the U.S. dollar funds held in your Balance Account will be placed by PayPal, as your agent and custodian, in one or more Program Banks where they will be eligible for FDIC pass-through insurance, as further detailed in the PayPal Balance Terms and Conditions. We will notify you about payment reviews by email and/or through your PayPal account. We do not: If you integrate or otherwise reference PayPal services on your website, PayPal may use automated technologies (e.g., website crawling) to assess your website and collect any publicly accessible or available data to ensure compliance with this agreement and to combat malicious or fraudulent activity. If PayPal performs a currency conversion for your purchase or donation, PayPals transaction exchange rate (including our currency conversion spread) will be used. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal. If you use your PayPal account to make a purchase that exceeds the balance in your linked bank account, you could incur overdraft fees, even if you chose not to allow overdrafts with your bank. Resolved directly between you and the buyer and not escalated to a claim with PayPal. PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account. In all, 73 countries are eligible for a temporary suspension of debt-service payments owed to their official bilateral creditors. As a seller, you can accept payments from a buyers account through preauthorized transfers either on a one-time, regular or sporadic basis. Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as it appears on your sites or in your communications and repair or reinstall the code to facilitate future updates. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third-party materials or technology, or otherwise create any derivative works from any of the software or third-party materials or technology. Data on debt stocks and debt-service payments for the are available on an annual as well as monthly basis. If you engage in a Restricted Activity, PayPal may charge the High Volume Dispute fees for all current and future disputes, irrespective of your dispute ratio or sales volumes, given PayPals increased involvement as a result of such Restricted Activity. If you use your PayPal account to pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. If we decide that there was no error, we will send you a written explanation. Established in May 2020, the Debt Service Suspension Initiative (DSSI) helped countries concentrate their resources on fighting the pandemic and safeguarding the lives and livelihoods of millions of the most vulnerable people. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal accounts. PayPal reviews certain potentially high-risk transactions. We act as a payment service provider only. You acknowledge that all rights, title and interest to PayPals software are owned by PayPal and any third-party materials integrated therein are owned by PayPals third-party service providers. Holidays include New Years Day (January 1), Martin Luther King, Jr.s Birthday (the third Monday in January), George Washingtons Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). External debt data for the 68 out of 73 eligible countries to 2020 Debt Service Suspension Initiative (DSSI) that report to the World Banks Debtor Reporting System (DRS) are included in the DSSI database. If we determine the transaction should be reversed, well remove the funds from your PayPal account. After December 31, 2021, the Reporting Threshold will be reduced to $600 in aggregate payments for goods or services, with no minimum transaction requirement. Business Day(s) means Monday through Friday, excluding holidays when PayPals offices are not considered open for business in the U.S. 2Reflects published DSA ratings as of end-December 2021. If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPals currency conversion spread) in effect at the time the automatic payment transaction is processed. A PayPal Balance Account is required to set up and utilize PayPal Savings. If we need more time, however, we may take up to 45 days to investigate your complaint or question. COVID-19 has dealt a major blow to worlds poorest countries, causing a recession in 2020 that is estimated to have pushed more than 100 million people into extreme poverty. Your 501(c)(3) status must be documented with PayPal to receive the rates applicable to charitable organizations, and those rates will apply only after you document your status with us. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court.
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