PayPal: Difference between revisions

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*'''Arbitration:''' "You and PayPal each agree that any and all disputes or claims [...] shall be resolved exclusively through final and binding arbitration or in small claims court. You or PayPal may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances only on an individual (non-class, non-representative) basis."<ref>{{Cite web |author= |title=PAYPAL USER AGREEMENT |url=https://www.paypal.com/us/legalhub/paypal/useragreement-full |website=PayPal |date=26 Jan 2026 |access-date=6 Mar 2026 |url-status=live |archive-url=https://web.archive.org/web/20260303092217/https://www.paypal.com/us/legalhub/paypal/useragreement-full |archive-date=3 Mar 2026}}</ref>

*'''Censorship''': PayPal prohibits ''anything'' they consider "Adult Content" or "obscene" ([[wikipedia:Not_safe_for_work|NSFW]]), even when the content is part of a private transaction.<ref>{{Cite web |date=2022-10-29 |title=Acceptable Use Policy |url=https://www.paypal.com/us/legalhub/paypal/acceptableuse-full |url-status=live |archive-url=https://web.archive.org/web/20260313194719/https://www.paypal.com/us/legalhub/paypal/acceptableuse-full |archive-date=2026-03-13 |access-date=2026-03-16 |website=Legal Agreements for PayPal Services}}</ref> This doesn't protect kids, it needlessly limits the ways in which artists earn money, and content users can consume.{{Citation needed}}

*'''Market control:''' In countries outside of the European Union (EU), PayPal has a duopoly as a payment handler, along with [[Stripe]].<ref>{{Cite web |last=Woods |first=Evelyn "eevee" |date=2025-07-03 |title=The rise of Whatever |url=https://eev.ee/blog/2025/07/03/the-rise-of-whatever/ |url-status=live |archive-url=https://web.archive.org/web/20260312024943/https://eev.ee/blog/2025/07/03/the-rise-of-whatever |archive-date=2026-03-12 |access-date=2026-03-16 |website=fuzzy notepad}}</ref>

==Incidents==

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===Ends transaction fee refunds (''2019'')===

Effective 7 May 2019, PayPal stopped refunding transaction fees on refunds.<ref>{{Cite web |last=Meldner |first=Richard |title=PayPal Will No Longer Refund Transaction Fees On Refunds |url=https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |website=eSeller365 |date=6 Apr 2019 |access-date=6 Mar 2026 |url-status=live |archive-url=http://web.archive.org/web/20251005165446/https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |archive-date=5 Oct 2025}}</ref> PayPal announced they would undo this policy change, and then a few months later re-implemented it.{{~~Citation needed~~}}

Effective 7 May 2019, PayPal stopped refunding transaction fees on refunds.<ref>{{Cite web |last=Meldner |first=Richard |title=PayPal Will No Longer Refund Transaction Fees On Refunds |url=https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |website=eSeller365 |date=6 Apr 2019 |access-date=6 Mar 2026 |url-status=live |archive-url=http://web.archive.org/web/20251005165446/https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |archive-date=5 Oct 2025}}</ref> PayPal announced they would undo this policy change, and then a few months later re-implemented it.<ref>{{Cite web |last=Statt |first=Nick |date=2019-09-21 |title=PayPal reinstates controversial policy of pocketing fees from refunds |url=https://www.theverge.com/2019/9/20/20876570/paypal-refund-fee-policy-change-sellers-controversy |archive-url=https://web.archive.org/web/20250917201037/https://www.theverge.com/2019/9/20/20876570/paypal-refund-fee-policy-change-sellers-controversy |archive-date=2025-09-17 |access-date=2026-03-14}}</ref>

===Introduces an inactivity fee for certain countries (''2021—'')===

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*Canadian dollar (CAD)

*Euro (EUR)

* British pound (GBP)

*British pound (GBP)

*Japanese yen (JPY)

*Australian dollar (AUD)

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 *'''Arbitration:''' "You and PayPal each agree that any and all disputes or claims [...] shall be resolved exclusively through final and binding arbitration or in small claims court. You or PayPal may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances only on an individual (non-class, non-representative) basis."<ref>{{Cite web |author= |title=PAYPAL USER AGREEMENT |url=https://www.paypal.com/us/legalhub/paypal/useragreement-full |website=PayPal |date=26 Jan 2026 |access-date=6 Mar 2026 |url-status=live |archive-url=https://web.archive.org/web/20260303092217/https://www.paypal.com/us/legalhub/paypal/useragreement-full |archive-date=3 Mar 2026}}</ref>
+*'''Censorship''': PayPal prohibits ''anything'' they consider "Adult Content" or "obscene" ([[wikipedia:Not_safe_for_work|NSFW]]), even when the content is part of a private transaction.<ref>{{Cite web |date=2022-10-29 |title=Acceptable Use Policy |url=https://www.paypal.com/us/legalhub/paypal/acceptableuse-full |url-status=live |archive-url=https://web.archive.org/web/20260313194719/https://www.paypal.com/us/legalhub/paypal/acceptableuse-full |archive-date=2026-03-13 |access-date=2026-03-16 |website=Legal Agreements for PayPal Services}}</ref> This doesn't protect kids, it needlessly limits the ways in which artists earn money, and content users can consume.{{Citation needed}}
+*'''Market control:''' In countries outside of the European Union (EU), PayPal has a duopoly as a payment handler, along with [[Stripe]].<ref>{{Cite web |last=Woods |first=Evelyn "eevee" |date=2025-07-03 |title=The rise of Whatever |url=https://eev.ee/blog/2025/07/03/the-rise-of-whatever/ |url-status=live |archive-url=https://web.archive.org/web/20260312024943/https://eev.ee/blog/2025/07/03/the-rise-of-whatever |archive-date=2026-03-12 |access-date=2026-03-16 |website=fuzzy notepad}}</ref>
 ==Incidents==
@@ Line 21: / Line 23: @@
 ===Ends transaction fee refunds (''2019'')===
-Effective 7 May 2019, PayPal stopped refunding transaction fees on refunds.<ref>{{Cite web |last=Meldner |first=Richard |title=PayPal Will No Longer Refund Transaction Fees On Refunds |url=https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |website=eSeller365 |date=6 Apr 2019 |access-date=6 Mar 2026 |url-status=live |archive-url=http://web.archive.org/web/20251005165446/https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |archive-date=5 Oct 2025}}</ref> PayPal announced they would undo this policy change, and then a few months later re-implemented it.{{Citation needed}}
+Effective 7 May 2019, PayPal stopped refunding transaction fees on refunds.<ref>{{Cite web |last=Meldner |first=Richard |title=PayPal Will No Longer Refund Transaction Fees On Refunds |url=https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |website=eSeller365 |date=6 Apr 2019 |access-date=6 Mar 2026 |url-status=live |archive-url=http://web.archive.org/web/20251005165446/https://eseller365.com/paypal-will-no-longer-refund-transaction-fees-on-refunds/ |archive-date=5 Oct 2025}}</ref> PayPal announced they would undo this policy change, and then a few months later re-implemented it.<ref>{{Cite web |last=Statt |first=Nick |date=2019-09-21 |title=PayPal reinstates controversial policy of pocketing fees from refunds |url=https://www.theverge.com/2019/9/20/20876570/paypal-refund-fee-policy-change-sellers-controversy |archive-url=https://web.archive.org/web/20250917201037/https://www.theverge.com/2019/9/20/20876570/paypal-refund-fee-policy-change-sellers-controversy |archive-date=2025-09-17 |access-date=2026-03-14}}</ref>
 ===Introduces an inactivity fee for certain countries (''2021—'')===
@@ Line 33: / Line 35: @@
 *Canadian dollar (CAD)
 *Euro (EUR)
-* British pound (GBP)
+*British pound (GBP)
 *Japanese yen (JPY)
 *Australian dollar (AUD)