Saturday, November 6, 2010

Other Payment Processors and PayPal Alternatives

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

There are alternatives to PayPal. But what you will learn is there is no "perfect" solution, and most people try to find their way back onto PayPal, but they go about it unsuccessfully. A lot of people are switching over to complete merchant solutions such as authorize.net. This section is going to be about other simple / basic merchant programs as an alternative. The following is a list, of what I believe are good payment solutions. This list is geared towards Digital Delivery, and not selling tangible items. (There is No Affiliate Links What-so-ever)

Google Checkout:
URL: http://checkout.google.com
Trust: After PayPal, personally would go with Google checkout. When you first sign up, you are going to be considered a risk. It takes GCO 60 days to have full account access with no limitation. For the first 60 days, each of your transactions will be under a 2 week hold, so you won't get access to you money for at least 2 weeks. I suggest having several of these accounts too, just in case you do run into problems. Some people have reported issues, but I have never had an issue. I think most issues arise from GCO when you are not really being honest with your business practices.

2 Check Out (2CO):
URL: http://www.2checkout.com
Trust: This is a trusted service, I would use this as a last case scenario. They
Charge $49 setup, and %5.5% + $.45 which is pretty high, but if it's all you can work with then this is a good method. I have heard some good and bad about this company, most of the people who report issues never seem to tell the "whole story" so you just never know. With any online merchant, if you treat it with respect, it will return it back to you.

Click Bank  www.clickbank.com
Click bank is a great alternative, plus you get to market for affiliate to help sell your product. There is a $49 setup fee as well. I would use click bank next in line after Google checkout. There are other services out there, but these are just the three I would prefer to use. You may want to use authorize.net, it's more expensive upfront, but you don't have to worry about the hassle. And I also believe (I could be wrong) that with Authorize.net you have to pay for a security certificate which is another expensive cost. I like to keep things as simple as possible, that's why I've been using a mixture of Google checkout (On my more Risqué items) and PayPal on my standard Items.

3rd Party Shopping Carts

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

If you plan on using PayPal for your digital items, PLEASE plan on using a 3rd part cart software. By using a 3rd party software , you're essentially hiding your Domain name from PayPal. Which is important, as you know PayPal can track you. So you want to make sure to take every step in avoiding any linking. There are a number of third party carts you can use, most are a paid service however they are not that expensive, especially if you're looking for peace of mind of not being linked. I'm going to tell you about the two services that I have been using and I absolutely love. (I'm not including any Affiliate links)

1) www.digitalproductdelivery.com
This is a great service, you can have a test account for free, and this is perfect if you only want 1 product. It's only $5/month for an additional 10 products, and the price goes up from there. Digital Product delivery makes it very simple for you to change PayPal account information also, which is very important. It integrates with PayPal's cart buttons, so you simple create a button in PayPal, and you plug that information into the cart. It takes a few minutes to setup, very quick, easy and streamlined. The other cool thing about this is the use of coupon codes (which I love) and the ability to setup affiliate products. A disadvantage with DPD is that it does not really work well with member sites, but there is a way around that. The product is delivered Via File. So if you want to give someone access to a member setup page or something, you have to create a HTML file that will redirect them to the site you want them to be FWD to. So after they make payment, they will be direct to DL the HTML file which will redirect them. This minor issue is easily solved, so it's not really that bad.
Another good advantage of DPD is that they can be linked with other merchants, such as 2Checkout (2CO) and they are planning on setting up with Google Checkout and Amazon. I highly recommend this service.

2) www.e-Junkie.com
You can get e-junkie coupon codes on the web, I got my account free for 160 days or something like that. I really like eJunkie. They are pretty similar to DPD in terms of features. The currently allow multiple payment options. PayPal or GoogleCO. On your checkout page, you can have both as an option, so if you lose a PayPal account, Google will take over right then and there. This service is a little bit more cumbersome, it may take you a hour or two just to get the feel of the system, but once you have a good feel of what's going on you won't have any problems navigating the service. This is a great checkout system that will hide your domain info from PayPal.. That’s what the goal of this is.

What NOT To do from new PayPal Account

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”


Once you create a new account, and I'm assuming that you have created the
account the "right" way, you want to make sure to protect this account with all your might. You want to make sure you keep proper track of the records such as IP , Mac Address, Windows user log-in, Email Address, Names, etc. Any of the "identifying" information you want to make sure you keep up with, that way you don't mess up and get linked to a bad account. The following is going to be a basic list, of "what not to do" from your new account. And if you do any of the listed things, you risk being linked.

· Log into an old (limited / suspended) account from the Same IP Address.
· Log into an Old account if you have not cleared the Cookies, Flash cookies and or changed Windows User Log-ins.
· Use Trading Manager programs such as eBay's TurboLister.. EVER.. They modify your registry, and unless you are good at finding the strings you will be linked every time.
· Never try to use the same account information.
· Within 30 days, don't go overboard with your transactions.
· Don't try to link your new PayPal, with your old eBay account that has been associated with your old PayPal account.
· Never call PayPal, and tell them you just created a new account because your old account was limited, this is just common sense.
· Never log into your PayPal account outside of the country you registered it in.
· NEVER log onto your PayPal account from a public computer..

You don't know if someone has used that computer and has signed into a bad account. Take Extreme caution.

The best way to use your accounts

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”


The follow is a System I'm going to call "Account Piggy Backing" You will want to make sure you employ a good bit of strategy when using your PayPal accounts. There are several methods that will be best, some not safe, and some are really safe. In this chapter I'm going to discuss the absolute best ways to take advantage of your PayPal accounts.

Unsafe Method

If you have a long standing PayPal account that has been active for years, you can probably get away with this method. However, this is not the case for most internet marketers, as PayPal will always find ways to shut down people who sell digital delivery items.. It’s just how it happens. If you have a long standing PayPal account, I don't suggest using this method anyway, because you're risking a good account.

The advantage:
Your money is going directly to your primary account, and you don't have to worry about 3rd party services.
Disadvantage:
If PayPal is your primary merchant you will be in big trouble if your account is limited.. Then you won’t' have any quick way of changing some email addresses in your flow to continue receiving payments.. And can be a big hiccup especially during a launch where you will receive a ton of money in bulk.

Semi-Safe Method
(always have a backup PayPal account ready to go)
This method I have used pretty successfully, up until about a month ago. I first thought that I could get away with using 1 PayPal account if I could "hide" where the money was coming from via using a 3rd part checkout. The other advantage about a 3rd party checkout system is if you are changing your IP around regularly, you can still log in to the 3rd part site like Digital Product delivery, or e-junkie and track your sales.. Without the fear of logging into PayPal from the wrong IP address. The other good thing about this method, is if you have had a specific URL linked with your PayPal account that has been limited.. That URL is now in PayPal system... and so aren’t all of the other Domains you have with the same host, as they have the same IP. So if you open up a new PayPal account to accept payments from that website.. Guess what, PayPal will link you and you're PayPal account will be limited to being linked to a bad account. Now, if you use a 3rd party payment system, your domain is linked with them, not linked with PayPal and most 3rd part systems won't share information. The Downfall to this system, is that you are still at risk of getting limited. How, if you are not being linked?? Well, unless you provide a S.S # (And if you're like most people you don't want to give PayPal your SS # , or your SS# is already linked to a bad account) then you are basically S.O.L.. Reason being is right around the $10k withdraw mark, PayPal is going to limit you and ask you for more information..Most of the information is pretty general and you can supply.. But the main thing they ask for which is tricky and virtually impossible to get around is the SS# (FOR US PEOPLE) once
they ask you for that, you might as well as move on to the next account. So if you only have 1 account and you are using the "semi safe method" this is only good, until you get limited.. Then if that happens in the middle of a big sale or launch, you are going to be scrambling trying to figure out what next! What to do! You have a ton of people trying to buy but no way to get the money.. Trust me, I’ve been there and it sucks. If you get money held in this account, it's going to be held for no less than 180 days or 6 months. This can be really annoying, especially if you were counting on that money coming in.

Really Safe Method!

Okay, this is pretty much just like "semi safe method" only this one involves
another level of protection. You notice a "2nd PayPal account" This PayPal account is designed to me disposable. Your 2nd PayPal account is back end account. Your 1st PayPal account will collect the profits from the 3rd party cart, however it will not be responsible for withdrawing the funds. This way, you don't have to worry about risking it. You will SEND the money from your primary account to your second account. And withdraw it from your secondary account. This way, if your secondary account it frozen or limited, you can still collect payments, and use another PayPal account you have setup (I'm going to show you how) as your secondary account. And the good thing is, you can refund the payment BACK to your primary account, then send it to another account to withdraw.. So when that 2ndary account is frozen.. Who cares. You will have a system in place that twill still allows you to collect payments, and move on with no problems. People can still send you payments, and you can still withdraw money..Instead of sending the money to account B you will just send it to account C..No one will ever even notice.


Super Safe Method, Low Risk of Detection, and High Risk of error on
your behalf (Great for paranoid people!)


This method is just like the Really Safe Method. It involved using a single, secondary account that you will send you money to. And every week, you change rotate your accounts, this way you keep your account activity spread out through multiple accounts. This is a Great technically low risk strategy, however you will have to be juggling multiple accounts on a regular basis, and it can just get to be a hassle. However, if you're up to the challenge, go for it. I personally don't use this method, but I believe someone may find it handy.

How to Create a New Account.

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”


Before you create a New Account, you will need the following to make it a
confirmed account:
1. New Email Address (Gmail Preferred)
2. Alias Name
3. Address
4. New Credit Card or Debit Card information.
5. New Bank Account Information.
6. New Phone Number.

Email Address:
Please refer to post about Emails.

Alias:
Example of Real name: Susan Eileen Boyle
Possible Alias’s:
Alias 1) Susanne Boyle
Alias 2) Susan Boyl
Alias 3) Suzanne Boyle
Alias 4) Suzanne Boyl
Alias 5) Suzan Boyle
Alias 6) Suzan Boyl
Alias 7) Eilen Boyle
Alias 8) Eilen Boyl
Alias 9) Eileen Boyle
Alias 10) Eileen Boyl

Address:
Use any basic address, PayPal will never send you anything, so this does not
really matter. But you should always remember to use the same Zip code as
the Zip on your credit or debit card. This is how PayPal "Confirms" the
address. Unless you opt to have them send you a confirmation in the mail.

Debit Card / Credit Card:
There are a number of different ways to go about getting a new debit card or
Credit card. With my bank, it's very easy to report my card lost or stolen. So when I go to the branch and report my card as lost or stolen they will issue me a temporary card. This card I can use for a new account. Then in about 5-7 days they will send me my new official card with my name on it, and I can use this card for another PayPal account. Don't forget, PayPal does not track the name on the card, they only want to make sure the Zip code matches the zip code to the address. You provide. So if you are going to be using the bank card, credit card trick, it will be important to have the same zip code.

Another way around this is by getting a pre-paid gift card, the best one and
most trusted is using a Simon Gift card (http://www.simon.com/giftcard/).

If you use a Simon card, you will be able to use any zip code, as the card is
not attached with an particular Zip code. Like most gift cards, you have to purchase a card that has a pre-set amount on it, plus some sort of activation
fee. With Simon, I believe the least is $25 plus a $5.95 activation fee. So
once you link the card to your PayPal account, you can just go spend it at
the grocery store or something.

There are other options and pre-paid gift cards. There are also "Virtual Credit Cards" or "VCC's" There are a lot of them out there, some VCC's may not work though, actually, most won't work. And some of the people who sell you these VCC's are shady. I have paid as little as $4 for a batch of VCC's but only a few of them worked, so you may save a little money but in the long run, it may cost you money if you have to keep buying this from untrusted sellers.

Bank Account:
What I do is pretty simple. My bank allows me to have multiple checking and savings accounts. So if I ever need a new account, I simply visit the location let them know I need a new account and 5 minutes later I have a new account. There are a ton of different banks out there, so push come to shove, if you bank won't let you open a new account, just open up another account at a different Bank.

It is illegal for PayPal to request information from the bank such as account
owner name and what not, so don't worry about PayPal finding out who you
are based on your bank account information. Just open the account up as usual, and go from there :-)

Phone Number:
It's very easy to get a new phone number for verification purposes that are
really cheap. What I've been doing very successfully of the past few years is
by purchasing a TracFone. This is a prepaid phone. Big Lots sells them for $8.88 and Wal-Mart sells them for $9.87. They come pre loaded with 30 minutes, so that's more than enough minutes to verify the phone number.

You can use this same number to register a new eBay seller account also if you want to. The phones expire in 60 days. So if you have a good running account, you won't have to every worry about having to link another phone to it. But in the rare possibility you have to link another phone, it will cost you less than $10.

Before reading the rest of this post, it’s going to be very important for you to fully understand how PayPal will track you. 

Once you have read that information, and understand it, you can start the account creation process. I'm going to do this in steps for you.

Initial Steps (These steps are designed to clean any trace that PayPal has left on your computer)
1) Change your IP Address (see how that's done in the Video) The way demonstrated changing IP address is by using a Wireless Router and Changing the Mac address to the router. If you are on a dial up service, you can simply log off, wait a little while then log back onto the service and your IP address will change.
2) If you're using a PC , create a New windows User (this method is preferred, please watch the Video) If you don't want to do this step, that is OKAY but please pay close attention to step 3.
3) IF you don't want to create a new windows user then clean cookies - clean basic cookies using CCleaner
(http://www.ccleaner.com/download)
- Clean flash cookies using the online flash cookies cleaner
(http://www.macromedia.com/support/documentation/en/flashplayer/help/s
ettings_manager07.html)
4) Check your IP. www.whatismyip.org
5) Record your IP and Mac address used for that IP in the excel spreadsheet
6) Double check your IP has changed and all your cookies (both standard and flash) have been cleared.

Account Creation Steps: Make sure you have everything in place First, refer to the checklist. These steps should be completed after, and only after you have done the previous steps and you have double and triple checked your IP has changed, and you cookies and flash cookies are gone.

Up to now, you should have everything you need to create the new account,
and you have "cleaned" you computer:
So now, it's safe for you to go to paypal.com and setup your new account, make sure you set it as a premier account.

The other important thing for you to do is record everything to the IPLOG spreadsheet. This way you can keep track of which Accounts Have been access from which IP address and Mac Address so you don't mess anything up.

Importance of Multiple Accounts.
What I suggest you do (based on years of dealing with PayPal) is to setup 5
Active accounts and 5 dormant accounts. The active accounts are accounts that you want to be fully verified and confirmed. So you will need 5 CC's, 5 Phone #'s, 5 Bank Account #'s. This way, if anything ever happens to one of the active accounts, you can plan accordingly and make any necessary changes to your checkout process, to eliminate any problems that may arise.

A Dormant account, is basically a "Basic - unconfirmed and verified" account. The reason why you want these is so if you ever need to use a new
account
, the account will have an activation date months prior, so it's not like it's a brand new account. Setup these accounts like normal, you want to make sure you follow the same procedures when setting up these accounts. All you will need is a Fresh Name, Address and Email address. The other info like Bank, CC, and Phone you can fill in at a later date.

Should I Continue to use PayPal?

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

Whether you create a new account or not is completely up to you! I can remember the first (of many) times waking up, checking my email just to find out my account had been limited. This occurred in 2003. I was Shocked! I didn't know a company could do this, and to make matters worth, me and my roommate at the time were business partners. We sold cellular phones eBay in huge quantities. We both had about $1,500 in out accounts and since we were on the same IP Address they suspended both of our accounts. They asked for proof of shipment, SSN, proof of supplier, utility bills, and Identification. We supplied all of that information, but they simply told us they no longer wanted to do business with us. So for 180 days, we had roughly $3,0000 being held.

Keep in mind, this was money we  needed to pay our suppliers and bills. We didn’t know what to do. After that, I swore I would never use PayPal again. Fortunately, at the time we eBay still was allowing the use of money orders, so we just started to take Money orders. However, 6 years later and about 15 limited accounts.. I'm back and not going anywhere.

You hate to admit it, but PayPal is the largest online payment processor. They have brand recognition all over the world. They are good at what they do, and that's the bottom line. They've beaten countless lawsuits, and competitors.  

PayPal is a name people associate with "trust". There are issues that I hate about PayPal (their seller protection) but that's another eBook all together, and it won't be a guide it will be a bash fest!! So, to answer your question.. I would not stop using PayPal simple because they limited one of your accounts. I would keep using their service as long as you know how to do it the right way to avoid any frustration of being shut down within days of opening up accounts.

I got limited now what?!

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

After you get limited, don’t panic. When people panic, they usually do something stupid that will just continue to mess them up. Remember the golden rule “Never indirectly link accounts” And what I mean is, if you wake
up and you get the infamous “Notice of Limitation” email, don’t immediately
log into another PayPal account and try to start accepting payments there. Or 2) don’t immediately create a new account without taking the necessary precautions.

There is always a reason for limitation, and 9 times out of 10, it will be due
to one of the reasons previously discussed. Sometimes PayPal will only require a few things, like proof of suppliers, or proof of delivery. If it’s something very simple like that, try to work it out with PayPal and send in the documents they request. That’s much easier (and better) for longevity, versus immediately giving up and starting a new account.

I got limited with money in the account!
This has happened just about to everyone who uses PayPal. You’re not the
only one this has happened to, so don’t worry. Now, if this happens and you
are unable to lift the limitation, then the money is as –good-as gone… for 180 days. After 180 days PayPal will release the money to you and will become available for wither Check or Bank Transfer. I always recommend the bank transfer, this will eliminate any issues that may arise with a check, in case you use a fake address or fake name. Just remember NOT to close the account that is attached with that bank account, that’s why it’s going to be important for good accurate record keeping.

“Refund the Payment”
Sometimes what has happened to me in the past is one of my accounts just
received a payment for a large sum of money. Example $1,000. This may have raised a flag, then PayPal has limited me. So in this case, what I had to do was refund that money to the person, and have them send it to another account. OR If I’m using a PayPal piggy back system, I simply refunded the money to another one of my PayPal accounts, and sent it to yet another account. I will go more into depth of this later.
So if you ever get notification of limitation:
1) Don’t Panic
2) Figure out why you think you were suspended
3) Don’t link Accounts
4) Don’t create a new account without taking proper measures

5) Communicate with PayPal about possible lifting the limitation
6) Refund any recent transactions or wait out the 180 days.
7) Create new account and start over.

Understanding How "PAYPAL" Track You!

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

Services such as PayPal and eBay (amongst others) have a complex system
that tracks each individual user. The reason why they want to track people is
to avoid Scammers from abusing their system. But in the mix of things, they
end up and prevent legitimate business owners from using the system.

PayPal will track you via the follow methods:
· IP Address
· Email Address
· Cookies
· Flash Cookies
· First Name , Last Name
· Mailing Address
· Country
· Phone Number
· Bank Info
· Credit Card Info
· Website URL (If you have it linked to your PayPal)
· eBay account (eBay owns PayPal)
· “Email Beacons” (This is still a theory)
· Social Security Number
· EIN / Tax Number
· Government ID

IP Address: This is where MOST people fail when they try to create a new
PayPal address. They think they deleted their cookies, and that’s enough.
WRONG! You MUST change your IP Address, otherwise you risk being limited again for being linked to a bad account.. Don’t worry though, changing your IP address is VERY easy. I have provided a video below that will show you how to change your IP address in a few minutes.

Email Address: You would think this is obvious; however some people still
try to sign up with a new account, using a new email address. Don’t and I
want to emphasize not use an email address that is linked with your domain
name (Even if you change or create a new user name). info@mydomain.com Reason being, PayPal is not that stupid. They will track your domain names! I highly suggest you use Gmail. There is a reason for that as well, lately amongst my “inner circle” friends, they say that services especially AOL will accept “beacons” and these “beacons” can be use to trace you. How this works is, in each of your official PayPal emails (notification emails) they will include a hidden “beacon” and services like AOL don’t block these, where as Gmail does. This is still a theory, however I don’t want to be the guinea pig!

Cookies: Cookies are just little bytes of information that a website will place
on your computer that will give them basic information. We all know what cookies are. PayPal and eBay use cookies, to identify an individual computer. So it’s important for you to clear these. Please review the Clearing cookies POST on the best methods and free tools to use.

Flash Cookies: Flash cookies are simple cookies on “steroids” they use macromedia flash. Most, if not all browsers won’t clear flash cookies when you click on “Clear cookies” most people don’t even realize they have flash cookies on their computer. This is where people fail next. Some people have tried to take their laptop to another location (if they don’t know how to change IP) where they will get a new IP by logging into a different network. OR They may use “Air Cars” to change their IP address. Well, guess what, just because you changed you IP address and cleared your simple cookies does not mean you’re finished. These people would then proceed to setup a new PayPal and eBay account and think they are in the clear. Then BAM within hours, or after the first transaction their account is suspended.
Why?
They never cleared the Flash cookies, and this is another method being used
to trace you. So please review the video on how to clear Flash cookies.

Personal Info: This again should be obvious. YOU NEVER WANT TO USE THE SAME INFORMATION! You should always use a alias of your name.
Example of Real name: Susan Eileen Boyle
Possible Alias’s:
Alias 1) Susanne Boyle
Alias 2) Susan Boyl
Alias 3) Suzanne Boyle
Alias 4) Suzanne Boyl
Alias 5) Suzan Boyle
Alias 6) Suzan Boyl
Alias 7) Eilen Boyle
Alias 8) Eilen Boyl
Alias 9) Eileen Boyle
Alias 10) Eileen Boyl
As you can see above, there are 10 different “Alias name” you can use. I always try to use name close to my real name, just in case I have to get a
Check, then I can Cash it. I can’t cash a check that is not even close to my
real name. So I use variations of first, middle and last name.

Address: Since PayPal and eBay rarely ever send you a piece of mail (unless you choose this method to confirm address) Always use a different address with the same Zip Code as your Bank Account. Why same Zip Code? Well, when you confirm your address, the only thing they check is to make sure the Address Zip Code matches the Credit Card Zip Code (I will go more into this later)

Country: *Important* If you are in Country A don’t try to make a PayPal account based out of Country B. I know a lot of people have tried to make US based accounts from other countries. This is a REAL quick way to get flagged. You can only accomplish this if you have a private proxy service that will give you the IP of that country. And this can be expensive. So for simplicity purposes, only register the PayPal account in the country you’re currently located.

Phone Number: Again, this should be obvious, however some people still TRY to link their phone to another account. PayPal won’t allow you to do that, but they will keep a note in the system that you can’t see. It is REALLY easy to get a new phone number though. I go through this in detail in the Account setup Section.

Bank Info: A bank account can only be attached to one account. So don’t even try to add a bank account that is already linked to a previous PayPal account, you will receive an error message, and PayPal will secretly record that information placing the new account at risk. So don’t even try. I will show you how to get a bunch of bank accounts to use.

Credit Card/Debit Card: This is very similar to the bank account. A card number can only be linked with 1 account. I will show you how to get a bunch of Cards to use.

Website/Domain: If you have linked a shopping cart directly to your PayPal account without using a 3rd party service, then you NEVER want to link that domain, or any other domain that shares the same hosting service to another PayPal account. PayPal will record that domain and any relevant information, and flag it. So if they see it pop up on another account, it can be used to link it to a previously suspended or limited account.

eBay: eBay owns PayPal, so you know they share all the information. Never mix and match PayPal accounts with eBay accounts. And when you are making a new eBay account, use the same precautions.

Email Beacons: (See email Accounts)

Social Security: This is the magic information. The reason why I say that, is in the US most accounts remain limited for ever because the account holder either does not want to provide this information, or this information is linked with a previous account. Just like the other info. S.S.N. can only be linked with one account.

EIN Number / Tax Id / Government ID: EIN number is a “business social” you can apply for different EIN number from the government, however you can no longer substituted an EIN number in place of the SS. In some countries, this information is not even request and in those countries creating, sustaining a PayPal account is much easier for those reasons. Now, I suggest you RE-READ the information in this chapter, and commit it to memory. If you understand how you are being tracked, you will understand how to work around the system and never have a problem with creating a new account again.

Why did your account suddenly get suspended?

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

If you have had an account limited from PayPal, it’s usually for the following
reasons:
1. (Withdrawal) Too Much Money, Too Soon
2. Being linked to a previously Suspended / Limited Account.
3. Sudden change in activity
4. Withdrawing too much money over a longer period of time without supplying your SS number.
5. Violating PayPal’s TOS in regards to acceptable websites, and transaction types.
6. Scamming people because you’re a piece of $h!t.


In most cases, it’s either 1 - 4 Too Much Money, Too Soon:
It’s never a good idea, to start transferring thousands of dollars upon a brand new registration. This is a quick way to get shut down. There is no exact number that I know of, for the first 30 days of a PayPal account, I never withdrawal more than $500, and I never attempt single transactions of more than $400. Keep it conservative, and build up your momentum. Being Linked to a Previously Limited Account:

PayPal’s system is always scanning activity, they scan IP logs, they scan Cookies, and they scan activity. You NEVER want to log into an old PayPal
account
using your New IP address or cookies. You never want make that mistake, otherwise PayPal will catch on to that and flag you right away.

Even if you change the IP, clear the cookies and not the flash cookies, you
will still be linked and PayPal will flag that and suspend it. So don’t make
that mistake. It’s going to be very important for you NOT to cross information.

Sudden Change in Activity:
This is very common, especially for Internet Marketers who may be setting releasing a new product. Once they “Launch” and get that instant surge in sales, PayPal might flag that account because it is a sudden and drastic change in activity. So watch out! Withdrawing Too Much over a Long Period of Time (without having a SSN on file):
This is something new that PayPal is implementing. The reason why they
started this is because in 2011 they are going to start reporting to the IRS, and they want each account to be linked to a S.S number. If you don’t have
a SSN linked to your PayPal account, it is very likely that you will be limited
sooner or later, and PayPal is going to ask for this information.

Example: one of my recent PayPal accounts was limited after I withdraw about
$10,000 from the account over a period of 5 months. Fortunately, I have multiple accounts so the hiccup didn’t really bother me.

Violating PayPal’s TOS:
PayPal does not want you to accept payments for: Porn , Gambling, Currency Exchange, Illegal crap, Credit Card Repair Service, etc… so just make sure you are within their TOS.. Otherwise plan on having hundreds of PayPal accounts because they will catch on.

Scamming:
If scammers were not out there trying to rip people off, us good folk wouldn’t have to be jumping through all of these hoops just to use the service. But I guess there will always be people trying to take advantage of others. Those people just are scum.

Your Exact Plan of Action

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

You are now armed with everything that you need in order to deal with Paypal. The question is are you going to use what I have given you to immediately fix your situation, are you going to be negative and convince your self that my time tested methods don’t work, or are you going to do nothing at all. The choice is yours, but to make things easier for you, I want to give you an outline and an exact plan of action depending on who you are and what category you fall under. New or Currently in Good Standings For those of you that are new to Paypal, this is just great. What I need for you to do is go
through the steps that we discussed in the “Keeping Your Account in Good Standings” section so that you NEVER have to deal with the Paypal nightmare first hand.

Your Account is Currently Limited
If your account is currently limited and you need your money, refer to the previous post “Reversing the Paypal Nightmare” take action immediately. Don’t make excuses; just do what you need to get your account in good standings and your money released.

You Have Been Banned From Paypal
For those of you that have been banned from Paypal, you should refer to the post “Owning Multiple Accounts” and follow that system to success.

Paypal Alternative Payment Methods
There are many companies out there that claim to be a legit and trustworthy Paypal alternative, but believe me, I have done the research, the trial and error and most of these companies are garbage.
Here are the 3rd party payment processors that I recommend:
• Alertpay.com
• 2checkout.com
• Googlecheckout.com
However, its been proven through many customer satisfaction surveys and polls that the world’s #1 Paypal alternative is definitely having your own merchant account through Merchantinc.com. Check them out because they can definitely help you.

It’s Problem Solving Time!
After reading through everything that was just explained in this manual, there is no reason that you should be in the same predicament this time next week that you are currently in with Paypal. Don’t make excuses or begin thinking negative thoughts. My associates and I have used every one of these methods, precautions, and secrets to have ultimate success with Paypal so that we run our businesses worry free. Use what I have taught and take action immediately!
 
Good Luck!

Owning Multiple Paypal Accounts

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

Now I would like to take the brief time to explain to you that not only do you need multiple accounts if you plan on selling through Paypal to be on the safe side, but you also need to know how to do it. Normally I would be against encouraging you to go against Paypal’s rules and regulations as I still am, but guess what? There rules contradict each other and there is a loophole that will allow you the ability to open up dozens of Paypal accounts if you feel it necessary without any problems.
Open New Accounts in Spite of Limitations
There are actually 3 different types of accounts. They are as follows:
• Personal Account
• Premier Account
• Business Account
Once you have already had issues with one or more of your Paypal accounts, then you just forget about attempting to open up either of the first two account types which are personal and premier. Don’t worry because this is actually a good thing because chances are, the only way that you will have account issues with things being limited indefinitely are if you run a business
and if you run a business you need a Paypal business account in order to be able to use all of the features and have all of the privileges that Paypal offers.
With a personal or premier account, you don’t have nearly as many selling tools and weapons that you are going to need anyway. If you are just an average Joe that uses Paypal for non business related use, you are just going to have to up grade to a business account anyway.
 
Why not, it’s free?
Here is what you have to do. You need to log onto Paypal.com and click sign up for a new account. This time, whether you did or didn’t do this the first time, you need to choose the “Business” account type option. This is because when you form a business the proper way, it is not attached to any person’s name. For example: I could form a corporation today and open up a clothing store under that business LLC name. I could literally build up the credit over several months to be excellent so that I can use my company’s credit in order to borrow money for repairs, advertising, expansion, and many other things.

As long as I don’t sign as the personal guarantee on the account, I have absolutely nothing to worry about if the company is unsuccessful for whatever reason and I am unable to repay the hundreds of thousands of dollars that I have borrowed. This is how businesses are run. There for if I go out of business, its ok. It’s not the end of my world. All of my personal assets are perfectly safe because everything was borrowed against the business. I could literally open up dozens of more companies in all different industries just as many billionaires do and as long as I take the proper steps to build the credit and get the funding through my business name and not under my personal credit, they will never be linked together. This is completely legal, ethical, and actually what you are taught to do in business school believe it or not. With all that said, Paypal works exactly the same way with legal businesses. You will
need to form an LLC or some type of business legally even if it’s just a sole proprietorship which is very inexpensive to do. Try checking out www.legalzoom.com or doing your own search through Yahoo or Google. You can be incorporated in just days. You could also go to eBay.com and find brand new corporations that are immediately ready for you to take over for pretty cheap. Once you have received your tax ID number (TIN), you no longer will be using your social anymore. You will use your TIN in place of it when signing up for a new account on Paypal. Be sure to use a different phone number and address other than the one you used on the account that went bad. NEVER USE ANY INFORMATION ASSOCIATED WITH AN OLD ACCOUNT. Another side note is to make sure that you open up a free business checking account at a bank because when Paypal issues your checks, it will not be made out to you personally. It will have your business’s name on it and if you don’t have a business account, you will not be able to cash your check under any circumstances.

Access Frozen Funds in Days

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

I want to give you a few techniques that have worked for me and thousands of others in the past for accessing your funds immediately.
When your money is frozen and your account is limited, there is not much that you can really do. When they say “Limited” they really do mean “Limited” and running your business through that account before full access is restored is not going to happen.

If you are in desperate need of your money and absolutely cannot wait even a few days to see if your account can be fixed or maybe unfortunately your account was one of those that was already charged off as frozen forever, here are some last minute solutions that I personally have used.

Method #1 – The Refund Reimbursement System
One of the few things that you can do with a limited account is refund any and every customer that you have done business with. Any one that has paid you any amount of money can receive a refund as long as your funds are in the account even if your account has been limited indefinitely.
 
Why?
As I explained earlier in this tutorial, with Paypal, the customer is always right. Therefore, if you want to refund a customer for whatever reason in a specified time frame, you can. This solution isn’t for everyone so use your better judgment. You need to evaluate your position and your situation and decide if these (Could be) drastic measure are necessary because what I am about to say could be a little risky. Depending on the nature of your business and the products or services being sold, you may need to refund certain or possibly ALL of your customers in order to access your money very quickly.
I know that it sounds crazy, but keep listening, it’s very clever and it has worked for me and several of my business partners more than once.
Paypal only takes days in order to refund your customer their money out of your account and you can use this to your advantage. If you do several large transactions regularly rather than a ton of small transactions, then this could possibly be the solution for you.
For example: If you sell web design services for say $2,000 a pop, you might want to consider this option, but if you sell something cheap like a $30 ebook and you are making dozens of sales per day (which means dozens of  transactions with dozens of different people daily) you may want to avoid this little method. So here is what you do. Most people are genuinely good people. Therefore most of the customers that purchase from you are trustworthy especially if they have purchased something expensive. If they trust you enough to pay you money, even a small amount over the Internet and
they were satisfied enough as a customer not to complain to you and ask for a refund, they will probably work this deal with you. Maybe you have a better feeling about certain past customers than others, but just log into your Paypal account and take a look at the list of all Payments received and decide which customers you feel would be trustworthy enough to honor their word vs. your
others. Maybe certain business relationships or characteristics in certain clients stand out as putting them ahead as far as trust goes with you.

What you need to do is contact these customers and be perfectly honest with them. Briefly explain to them either by phone or email exactly what happened and that there was a mistake made on Paypal’s end and ask them if it would be ok to refund them their money and have them pay you through some other means. It is very important that you only contact SATISFIED customers; otherwise there is not a chance on this earth that they would be willing to lift a finger to help you. This is why I said that my methods work only for honest and legit sellers not those that are doing bad business and out to scam or cause harm to these innocent buyers. If you are an honest seller that makes your customers happy, they will be willing to work with you. Just make sure that their debit card, bank account, or credit card that they used in order to pay you is still in good standing because the same form of payment that they used to pay you, this is the account that will be reimbursed.

BEWARE: I once tried this method with a good and honest customer of mine that I knew would be willing to work with me without consulting with him first. It turns out that his credit card status had gone into default just days before and when I sent the refund in the amount of $1,000 the money was sent back to his card and the credit card company zapped it up and he lost the money and so did I! Talk about a real nightmare, so to keep from having the same problem just ask them. Also, it’s unfortunate, but you might have to offer some type of extra incentive for people to help you out such as giving them a 10% discount. I know that I would do it for a 10% or more discount and maybe a promise of some free services or discounted products in the future. Just explain to them that something that could take them just a few minutes could save them money and help you out a great deal and that you will forever be grateful to them for the life of your business. Don’t think that this is some long shot because trust me, it has worked for me more than once and will work again in the future if necessary. Once they agree to send you the money, you need to fax or email them a quick agreement (nothing fancy) just stating that they will be repaying you your money in the specified amount within 48 hours of receiving the funds back in their account.

Make sense?
You honestly don’t even necessarily have to get a signature or involve a notary, but I do highly recommend these things. As long as they agree in writing through email clearly what is being outlined, you should be legally protected. Remember, you have their contact information, full name, etc so they can’t run from you! In the event that things go sour and they try to make off with your money after receiving their refund, you have the necessary personal and/or business information to take them to small claims court for up to $5,000.

Method #2 – The Chargeback Method
This second little method also works. Just go through the same steps as you did with method #1, but this will be slightly different. With this method you will not be refunding the customer. You can contact your customer the same was as in method #1 and explain to them exactly what happened. If they agree to help then once again you proceed to tell them to take action.
What they can do for you is to file for a chargeback with their credit card company, but of course this only works if they used an actual credit card to make the purchase in the first place.

In most cases, they will get an immediate refund in days and Paypal will debit the money out of your Paypal account. Normally if you were in good standing with your Paypal account and you were doing good business with your customers, a chargeback would be a nightmare in itself, but since you are not worried about the future of this particular account, you can allow Paypal to give it right back to them and not worry about having to dispute it or fight to get your money back.

Make sense?
You can just get reimbursed by your customer as soon as funds are back available on their card. Obviously, I recommend method #1 first and believe me it works! Don’t start thinking negatively to yourself that this might be ridiculous. What’s ridiculous is having your money frozen for a full 6 months with no explanation. What’s ridiculous is being able to see this money daily as you log into your account, but not being able to withdraw it or use it! What’s even more ridiculous is that this has happened to you honestly believing that you have followed every guideline put forth by Paypal! So before you begin to think to yourself that my methods are slightly wacky (Which they are) just think about how badly you need your money ASAP! As far as fixing your account, once an account has been flagged and limited, honestly even if you are able to lift the limitations which happens all the time, you are now going to have to deal with this as being an issue with this particular account forever.
In the next few sections I will teach you how to open up multiple accounts so that your accounts NEVER get linked to each other and by taking the precautions that I explained earlier you can stay in good standing without interruption forever. Have you ever heard the saying “It will never be the same again”? This is one of those cases actually in which Paypal will never forgive you and they will be watching every move that you make so that even if you do something as petty as unknowingly buy or sell through a legitimate deal with a Paypal account holder who is later found out to have broken or potentially broken one of Paypal’s rules, your account will probably end up limited once again. In my experience, Paypal does not like dealing with ANY potential risks no matter how small or large so you would more than likely have to be Houdini in order to lift limitations on the same account a second time.

Method #3 – The Paypal Exception Strategy
I don’t believe in being dishonest or misleading people in life, but sometimes desperate times call for desperate measures. With this said, Paypal like any other large or small company CAN make exceptions to its rules, and this would be the time that you need for them to give you special treatment.
After all, you deserve right?
You funds have been frozen unlawfully through an error in Paypal’s system of doing business and treating their loyal clients. Usually when there is an emergency or death of a close relative or some other dire need reason why you absolutely MUST have your money released such as a sick child that needs this money for medical attention or anything similar, Paypal WILL release the funds. Please note that this is also something that is probably going to take some persistence. You need to come up with a “Life or death” explanation that is directly related to you and your life. Don’t just flat out lie! In fact don’t lie at all! What I’m asking you to do is to simply bend the truth. Yes that’s right bend the truth so that if your situation for getting your money out of your frozen account isn’t a “Life or death” situation, you still better make it appear that way to Paypal! I had a real life situation happen to me in which I had lost 2 very dear, young friends of mine around the same time to 2 unrelated tragic accidents and I desperately needed the funds as a result of these deaths.
To make a long story short, after explaining what happened and giving proof such as a copy of a death certificate or letter from an attorney (Not for intimidation, for validation of how serious the situation is), doctor, someone in law enforcement, a pastor, or an expert in the field directly related to your immediate need for your cash. Understand that EVERYONE believes that they just MUST have their money unfrozen immediately or they will go crazy or lose their mind so everyone will give them all types of stories and excuses why they need their money and honestly, most of the stories will be the truth.
It’s not enough for your story to be the truth. You need to evoke some type of fear in the person that is handling your account issues and that froze your funds other than just threatening to file a small claims law suit against them like tens of thousands of others have done. Go ahead and do the research and you will find that this WILL NOT provide an immediate solution for you to get paid.

Why? Because most people that threaten to sue are just bluffing, and of those that really do hire attorneys and pursue actual legal action against Paypal will never see a dime because Paypal is one of the largest and most powerful companies in the world. They have all the angles figured out and a multitude of some of the best business attorneys in the entire world on their side. So what you are shooting for is “Moral” fear. Let me explain, you want to lead that one person that is in charge of your account to believe that they literally are dealing with someone that is in dire need of this money that already belongs to them to be able to access it. Sadly enough, the fate of your Paypal business always lies in just one individual’s hands. There are no voting, discussions, meeting, appeals with other parties, etc. What they say goes, and this could either work against you like it does for most people, or you can use the ammunition that I am supplying you with in order to use this to your advantage. You are not asking them to break any rules or laws or even to reopen your account. You are only asking that they release your funds and then give them permission to close your account or do whatever they feel with it.
Convincing one person if you are persistent with a really heart felt yet honest story is not very difficult to do believe it or not. Just make sure that they feel “Morally” obligated to fulfill your request and that they will feel like trash if they refuse. I understand that many people are not very good writers, debaters, and especially negotiators, but trust me, stick with it emailing them around the clock (at least one every hour) and you will have success. If you absolutely feel the need, you can even hire a negotiator or writer for fairly cheap through Elance.com or searching for them through Google.

Method #4 – The Sell & Collect Strategy
Here is the #1 recommend method for accessing your cash in your frozen Paypal account in as quickly as 48 hours from this very second. Are you ready for this mind blowing secret? Sell your account funds to a family member, business partner, friend, associate, or even better yet, an investor that specializes in these types of deals for a 3-15% fee. That’s right, if you absolutely cannot get your money out, but you honestly need it asap, this is
definitely the way to go.
Here’s how it works.
Have you ever seen those TV or heard the radio commercials advertising that you can get annuity payments all upfront wrapped into one large lump sum?
There are literally thousands of legit companies out there that offer this service in which you are owed a large amount of money over a long period of time LEGALLY, but you want your money upfront. These companies will pay you one large sum rather than you having to wait months or usually even years to accumulate all of your monthly, weekly, or annual pay outs when your deal was initially set up.
These deals could include:
• Lottery winnings
• Inheritances
• Settlements
• And MUCH more
For example: Let’s say that you won the Texas Lotto and the total amount of your winnings was $40,000,000 (Yes $40 Million)! Most lotteries and other large payouts will only give you a certain amount per year. They would probably set you up with $2,000,000 ($2 million) per year for 20 years, but
what if you for whatever reason wanted or even needed all of your money upfront which is a total $40 million? You could call up one of these type of companies that offer immediate funding in exchange for the legal right to the rest of your payments to be signed off or “Bought” off to their name. Keep in mind that you will have to forfeit a small (But well worth it) percentage of the
money that was coming to you, but if you really need your upfront money, you will just have to deal with this. Now in this scenario you would probably have to forfeit 5-10% of your total lottery winnings and end up with approximately $36,000,000-$38,000,000 which is still a ton of money. This is a winning situation for everyone. First, you receive your cash upfront of course minus a small percentage. Finally, the investors receive a $2-$4 Million profit over a long period of time just for paying you upfront with money they had to spare.
Everyone gets exactly what they want, and this is the same basic concept of how it works with Paypal in getting your money released. The only difference is that you will more than likely not find a traditional financial institution interested in this venture because it is so unorthodox and out of the ordinary.
Don’t worry because I have all the resources that you could possibly need so just keep listening. Here is what you will need to do. First, you need to hit up your warm market meaning your family members, friends, and others that you are close to. Don’t ask just anyone. Pretend as if this was one of those bogus “MLM” businesses and make a list of 100 people that you know. YES! You definitely know 100 people so make no excuses! Take some time to really think. I don’t care who it is, if you know them and have a means of getting in some form of contact with them, then write them down! This could take up to 30 minutes or so to get a really good list. After you are finished be sure to pick through this list and really evaluate the top 10 people that you believe are
most likely to be interested in this deal. This is more than just a favor to you.
In fact, it’s actually not a favor to you at all. It is a very unique and possibly profitable business proposition for anyone that has money to spare upfront.
They will do absolutely nothing and they will be able to receive your money as it becomes free and available after that 180 day period. After finding the person and coming to an agreement of what set dollar amount or even better percentage that will be receiving (Definitely no more than 15%) then the only thing left to do is to draw up a written agreement or promissory note outlining the details of this deal, have both parties sign it, and have it notarized.
It doesn’t need to be anything complicated or fancy and you definitely don’t need any attorneys getting involved unless it a VERY LARGE amount of money (More than $5k which is the maximum allowed in small claims court). In the end, if you can’t locate someone for the upfront money, we have your back!

Method #5 – The 0% Non-traditional Loan
Here is a good method for accessing that money immediately that works 100% of the time as long as you meet necessary requirements.
Here are the requirements:
• Have Funds in 401k
• Have a Good-Excellent Credit Score
• Have equity in a life insurance policy
If you have any of the following, you can access the money that you need in just days without forfeiting ANY of your money in fees whatsoever and absolutely 100% risk free! Let me explain the basic concept of this method. If you have any of the above 3 requirements needed in order to use this method, then you should understand that there is absolutely no reason to be afraid or hesitate to take advantage. What these 3 methods will do is allow you to immediately (In just days) access the amount of funds that are locked into your Paypal account for the maximum 180 if necessary without any risks, penalties, fees, or forfeiting any of your money as you can reimburse each of these 3 methods as soon as your Paypal funds are free. Mind you that I ONLY recommend these 3 methods because the funds in your Paypal account are 100% guaranteed and 100% yours so there is no worry about this system being unsuccessful in this case.
The 401k Plan
Many people don’t want to touch or should I say “Spend” or “Waste” their 401k money on anything except for retirement and they shouldn’t because that is exactly what those funds were placed there for in the first place. I need you to understand a very important and key factor. All 401k plans basically work about the same in which as money as deducted out of your paycheck to be placed in this special savings account for your retirement is always matched with a certain percentage. For example: As a teenager, I worked for Wal-Mart and of course you probably know that they offer a very generous and profitable 401k plan in which I believe when I was an employee there they would mach you 50% on every penny that you allowed them to automatically deduct out of your paycheck. You don’t have to be a mathematician to understand that this totals out to truckloads of pure profits made on interests annually even for those workers that make only minimum wage. I bring up this key point to say that, your 401k money is earning you a ton of money while you do nothing and whether you have any real money built up into your 401k plan or hardly any money at all, you should still be open to this risk free solution. What most people do not know is that not only are you earning a ridiculously high instant
interest rate on your 401k, but you can actually “Borrow against” this money 100%
INTEREST FREE and receive funding in days with absolutely no headaches or
loopholes. My family members do it all the time! Please understand what I am saying! You will not be withdrawing money out of your 401k account. That would be a bad idea. What you want to do is contact the person in charge of your 401k and let them know that you would like to simply “Borrow against” the money that you have available. This prevents you from losing money, as well as paying interests. Since the loan is secured by YOUR OWN MONEY, you should be able to set up arrangements to start paying the money back after 180 days in which case you will pay the exact amount off once you receive your Paypal funds.
Make sense? Of course it does and since 100% of your funds will still be in your 401k account, you will still be earning the same amount of interest and not losing a single penny.
 
Good Credit & Financier Relationships
Here is another killer tactic to use if you don’t want to wait for your funds to become available and you feel that your account will be limited either indefinitely or for longer than you can afford to wait. Use your good credit score to simply take out a personal loan for the money that is being held. I know I know, you might be thinking, “This is the dumbest idea I’ve ever heard”! If
so, no offense, but you may need to re-think “What” or should I say “Who” is actually dumb and here’s why. If you have a good credit score, there are many different sources that will allow you to use that personal credit score as assurance that you will not only pay every penny of the money- that you borrow back, but you will pay it back in a timely fashion with no late payments.
After all, that’s how you built this great credit score in the first place, correct?
Most people, even people with good credit are unaware that if you have a good personal credit score or even better yet, a good credit score as well as a good relationship with your bank, that 9 times out of 10, you can stroll right into your bank and take out an instant personal loan for thousands. Many people literally walk out of the bank during that initial loan request with up to 5
figures in hand with the loan terms that they want which of course are for low interest always, but in this case you want to shoot for NO interest in the first 6 months and hopefully even NO payments in the first 6 months either. Trust me on this, I’ve seen it happen dozens of times so depending on how much money
has been frozen, this is probably a great solution that will have you paid TODAY in most cases assuming that you make it to the bank nice and early in the day.

Life Insurance Equity
Here is another one that may come as a very pleasant surprise to most people. Did you know that many life insurance plans (The good ones at least) hold an actual cash value. More than likely, this life insurance plan comes with a cash value whether you know it or not, so if you have one and are unsure, just give your insurance company a call and ask. If it has a cash value, then ask them if you can borrow against it. If so, this works a lot like your 401k option. You will not be risking anything or jeopardizing anything if there should be some tragedy that would call for you to actually need to use this life insurance policy
inside of 6 months. Your loved ones WOULD NOT be stuck with any costly funeral expenses on your behalf. All of your funds will still be available and it will be business as usual. I bring up this option for the simple fact that like 401k loans, you should be able to borrow against this policy interest free and receive funding within just days that you may not have to begin paying back for the full 6 months that you may possibly need in order to receive your Paypal funds and reimburse your loans. Another way that this could work similar to the same thing in which I have done more than once in emergency situations is borrowing against the equity in your home. Same basic principles apply. Contact your mortgage lender and ask them about taking out a 0% interest loan.

**IMPORTANT**
If you use any of these 3 quick methods for reimbursement of your frozen Paypal money, it is imperative that you be sure not to get careless, irresponsible, or greedy by borrowing more money than the balance that is frozen in your Paypal account.

Reversing the Paypal Nightmare

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”

It’s finally time for me to reveal how to reverse that Paypal nightmare of having your account limited and money frozen with absolutely no explanation given as to how you can solve the problem.
 

Pay very close attention because the process that you will learn is clever, time tested, somewhat common sense, and what’s most important is the fact that it works every time.

If you have any negative thoughts going through your head at the moment, doubts that I don’t know what I’m talking about, or that you situation is hopeless, then you have to immediately change your mind set for success.


If you don’t believe, YOU WILL NOT ACHIEVE!
It’s not enough to know what I am about to teach you and even to put it to use. You honestly need to feel in your heart that it is going to work, and it will work.


Connecting With an Agent

The first thing in this process is to speak to an agent immediately! I will admit that in the past, getting a live agent on the phone was nearly impossible and if you were able to pull off this nearly impossible feat, they were more than likely going to be completely useless and unable to help you in any way shape or form.


They weren’t going to have ANY answers for you because they are given very limited information, and your account issues would remain for a very long period of time and possibly forever.


I must say, that over the years, Paypal has really improved their tech support and customer service to say the least. Now, I’m not saying that they are perfect, because no company is, but I am saying that if you know how to work the system, you can be helped.


Call Paypal’s customer service phone number at 402-935-2050 and follow the menu prompts to speak to an agent.


This task is not nearly as difficult as it once was so don’t be afraid. Just follow the prompts and you will have an agent on the phone in just minutes. Keep in mind that if you should happen to get disconnected before or after you are able to connect with a support agent, just be patient and call them back. Just like any other automated phone customer service system, sometimes there are errors or glitches that could disconnect you, but for the most part, Paypal’s system is pretty reliable.


Remember, getting them on the phone isn’t the problem. The hard part is getting the answers that you need which is what I will be discussing in the next section. Getting Answers ASAP!


Now it’s time to get your answers! There are really only 2 questions that you need answered and you need them answered immediately so that you can fix this problem.


For starters, how about an explanation on exactly why your account has been “Limited”?


The next question that you need answered is what are the necessary steps to get your account out of “Limited” status?
 

So now that you have these people on the phone, YOU NEED TO SPEAK WITH 
A SUPERVISOR!

Do not even think about attempting to have a regular agent handle your account because not only do they have VERY LIMITED authority as far as getting your account back to good standing, but also, if they happen to take a look at it, and they want to deny your account appeal, your account will stay limited FOREVER and you will more than likely have to wait that entire 180 day period before you can withdraw even a penny of your money.


Be stern, professional, polite, and persistent. You may have to request a supervisor several times before your request is actually granted, but you need to make it happen regardless to what it takes.


Once you finally get a supervisor on the phone, the most important thing at this point is that YOU SHOW NO ATTITUDE OR DISRESPECT to the agent because they hold your life in their hands.


I don’t agree with it, but Paypal gives these employees a ton of power when it comes to you trying to lift your account limit. If one person says “NO” and that your account limitations will be there forever because they denied your appeal, it will be pretty difficult or in many times impossible for you to get your account back where you want it.


This really sucks because this means that if someone on the other end of the phone was having a bad day and you were unlucky enough to be that random person that they decided to take their frustrations out on, NO ONE WILL BE ABLE TO HELP YOU!


I know that this is a very frustrating ordeal that you are going through and that you could be losing hundreds, thousands, or even hundreds of thousands of dollars daily depending on how successful your business is, but just stay positive and remember that the person that you are speaking with more than likely had absolutely nothing to do with your account being frozen
.

I also fully understand that the amount of money that was frozen could be as little as just $20 or as much as millions of dollars, but regardless to how much, it is still your money and you still deserve it.


The more important it is to you to get your account limit lifted, the more important it is to stay calm and go directly by the book. After asking the agent (Supervisor) those two important questions, don’t expect to get an immediate straight forward answer and here’s why.

Unfortunately
like I stated earlier, these people working for Paypal (even the supervisors) are still nothing more than privileged employees with very limited powers and even more limited information.


They can only see the information that is allowed and listed on their computer. In many cases, the agent on the other end of the phone has no detailed idea of why your account has been frozen. They usually have only some general information that could mean you violated any one of dozens of rules.


Now what’s important is the fact that the agent’s computer screen should give some prompts and vague instructions as to what was possibly the issue and even more important is what you need to do to lift the limitation.


Usually you need to either stop selling a certain type of product or service or you need to verify information over the phone, through email, and possibly through postal mail. They will instruct you on what they need from you, but this is not enough. This is the mistake that most people make and they begin to just fax in paper work and document after document without knowing exactly what the problem is as to why your account has been classified as limited.


Lifting the Limits in as little as 24 Hours LISTEN VERY CLOSELY!
What I am about to tell you may seem nearly impossible, but it works so just stick with it. The person that you really need to speak with IMMEDIATELY is the one person that made the sole (Wrong) decision to limit your account. The problem is that this part of the resolution department can not be reached through phone. How convenient huh?!?!


This is what makes it difficult, because every time that you ask to be placed in direct contact with the person that “Limited” your account, you are told this is IMPOSSIBLE because they DO NOT handle any of their business through the phone.


Have you ever heard of the term “Bug-a-Boo”?
A bug-a-boo is someone that is a huge pest. They are like the ultimate pest that you just cannot seem to get rid of. Well my friend, you are going to have to turn into a complete bug-a-boo. No one likes to continually call and email someone that has no interest in speaking to them or hearing what they have to say, but you are going to have to do it anyway.


In some rare cases, you can settle your disputes very easily just by faxing in the necessary paper work and nothing else. First, you need to demand to speak to the person that was in charge of making the decision on your account even though you will more than likely be denied initially. 


Be firm and stand your ground.
If you are persistent over that phone, eventually they are going to give you the email address of the person that you need to speak with so that you can go back and forth with them through email.


Once you get their email address, the only thing that will be left for you to do is to follow the instructions that you receive from the phone agent to restore your account and lift the limits.


You then need to check your email in order to respond to the email that was sent out from the department that froze your funds and begin speaking with them. Be direct so that they can give you a direct answer and the LAST thing that you want to do is tick them off so be polite and professional. In some cases, you can actually get the limits lifted within just 24 hours, but it definitely shouldn’t take longer than a few days.


Honestly, sometimes if you haven’t followed the steps as I have just explained, then you literally will never be able to lift your account limitations, but there is still a solution to immediately continue to sell through Paypal as well as a few solutions to access your frozen funds immediately.


Unfreeze Denied Accounts
If your account appeal has been denied and you are told that your account access will not be restored, EVER, DON’T GIVE UP Because I have a solution.
As I have already explained, knowing “Why” your account has been limited is very important to figuring how to restore access, but if your account has been denied indefinitely, it is IMPARATIVE to find out what the reason was for the “Limitation” in order to form a quick and effective game plan to reverse this nightmare. From my research, in most cases, accounts are frozen due to an error in the Paypal system. It seems that their computer systems are very sensitive to linking similar information to the same accounts and then red flagging their staff to freeze them.


Now again, don’t be upset at Paypal because I already explained to you their position and why it is so very important for them to be so strict. Honestly, when they accidentally mix and match your info with someone else’s that had
bad accounts, it is a very honest mistake. However, if they trace you back to an account of yours that truly was unlawfully frozen, here’s how you can prove your case that you are a legit seller and that it was a glitch in their system.
Over 90% of the time that Paypal “Limits” an account of a good honest seller that had no intensions of breaking any rules, whether they actually give you an explanation or not, it’s probably because they have strong or maybe even slight reason to believe that you either aren’t the person that you claim to be or that you have done direct or indirect Paypal business with someone who now or in the past has problems with their account.


I know that it is probably easier said than done, but you need to convince PayPal that you are not that person IMMEDIATELY!


Most likely, PayPal is not going to believe anything you say at first, and if you admit to knowing the person they have linked to your account, it seems that makes the problem worse.


It could be a legitimate error on PayPal's part. For example: Your phone number or address is the same ones used previously by someone else who had a problem with PayPal. So you might try showing PayPal that their information is old and outdated.


If on the other hand, they are linking accounts based on ISP or IP, you'll have to prove to them when you got your ISP and that it's not at the same time as when the other person allegedly used it.


Your account could also be linked based on who you paid and who paid you. This is a little more difficult to resolve, but far from impossible. If you made more than one payment or received more than one payment from an account PayPal has determined is fraudulent, the game is pretty much over.


The only recourse I see is challenging the assessment made on the other account. You'd have to work with that other party to prove to PayPal that they are wrong in their determination. You have the option of hiring a lawyer, possibly spend a small amount of necessary money, and taking legal action if you truly believe that you are innocent of all accusations.


This is definitely NOT as an insult to Paypal in no way shape or form. It’s just business. We all make mistakes and I am more than sure that Paypal (As a company in whole) would never deliberately make a mistake that will cause you lost profits or inconvenience.


How about your friends…
Your account could also be limited because you used a friend’s computer or they used yours, and this could also get a little tricky, or it could also be any of the other reasons listed in previous sections of this tutorial. You should write a letter to the attorney general of Nebraska, California, and your state.
Explain to them what has happened in detail. Simply, ask them to begin an immediate investigation because you need your money unfrozen ASAP!
You might also hire a local attorney to write a letter on your behalf or possibly just use a very cheap service such as Pre-paid Legal (www.prepaidlegal.com) for unlimited legal help from some of your state’s top attorneys in this area for under $40 per month. In most cases PayPal completely ignores user complaints, phone calls, faxes, & email unless you are using my methods, but does respond to government investigators and private lawyers.

Keeping Your Account in Good Standing Forever

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”


Now just before I get to the chapter that actually teaches you how to reverse and flat out beat the Paypal Nightmare without the headache and frustration, I want to first teach you how to keep your account in good standings if you either already have one in good standings or if you plan to open one in the near future.

If you follow my 4 components in this key system, you will drastically cut down on the risk of having your account limited. In fact, since I’ve started using this system, I have had absolutely NO problems with Paypal thus far.


That’s not to say that I won’t eventually have some serious issues, but what’s important is that it’s been nearly 1 full year and I have had absolutely no issues.


Instantly Eliminate Complaints
First off, as I stated earlier, you need to take on the ultimate business man’s attitude and follow the guidelines that “The customer is always right”. I know that it isn’t at all fair, but I don’t make the rules I just follow them.


Be sure to strongly encourage each of your customers to always come directly to you as the seller if they ever have even the slightest issues either through phone or email.


If possible, phone is always the best option because it allows customers to feel safe and really believe that if they have an issue, they don’t have to wait for you to resolve the problem through email response.


They can always contact you whenever they want to so that they will never have to make a complaint to Paypal that would raise suspicion.


You should also be sure to always follow up with new customers to make sure that you guys are all on the same page. There are many times that a legit seller feels that they have delivered or even over delivered on a particular transaction with a customer, but the customer may feel the complete opposite.


This is why it is very important that you follow up with the customer shortly after the transaction at least one time to be sure that they are satisfied. If they are satisfied, you can be certain that they will not be filing any complaints through Paypal.


However, if they are unsatisfied after you have contacted them, you must do whatever is necessary to satisfy them even if it means giving them a full refund from a product or service that they have already benefited off of.


That’s just life and life isn’t fair so just deal with it!

Getting Paypal Verified in 7 Days or Less
The next thing on the list that is very important for keeping your account in good standing is to
get Paypal verified as soon as possible by going through the necessary steps to prove that you are not only a legitimate seller, but that you are in fact the person that you claim to be operating out of the address that you claim is yours.

Paypal’s
website explains everything that you will need to do and it is a very simple and painless process that can be done in just days.


The only way that you would have issues or problems in the Paypal verification process is if you were operating illegally or falsifying information. 


If you don’t plan to be 100% honest, don’t bother. You may as well figure out some other type of way to scam people.

I AM AGAINST DISHONEST SELLERS AND SCAMMERS!
All of the information in this ebook was put forth and created to help those legitimate online sellers and legit sellers ONLY! If you are a scammer that wants to get over on people you should close this ebook immediately and find somewhere else to get help with your evil ways.


I don’t mean to be harsh, but it is what it is. DO NOT USE WHAT YOU LEARN TO SCAM ANYONE INCLUDING PAYPAL.
Getting verified is a very simple process in which you will be walked through the steps after signing up and logging into your free account at http://www.paypal.com
The only thing that is required is for you to send in copies of certain things such as:
• Photo ID or drivers license
• Social Security Card
• A few Utility Bills
• And possibly other simple things to help verify your identity
 

Again, just log into your Paypal if you already have one, and click on “Get verified” immediately if you have not already done so.

Always Offer an Alternate Payment Method
This next precaution is something that most sellers don’t do, but they definitely should
for many reasons which is give buyers multiple online payment options. This is a must if you are serious about not having any problems with your business being compromised or losing out on any profits.
The bottom line is that even though this tutorial teaches exactly how to get around the B.S. when it comes to dealing with the
Paypal Nightmare, that doesn’t mean that you will NEVER have any problems again.

When you are finished reading, you will know how to avoid the problems as well as how to resolve them if they should unfortunately occur. So just in case your Paypal account becomes limited even for just a few hours in the future, you need to be prepared. If you are only offering one form of payment, this would be a grave mistake especially if this one form of accepting payments was through Paypal.
 

You should offer multiple payment options in order to:
• Give your customers a choice as to how they spend their money
• Increase credibility and website conversions
• Insure that you lose no profits due to limited accounts
 

I strongly recommend offering 2 online payment methods on top of using Paypal, and these payment methods can include any of the following depending on what you are selling:
• Alertpay.com
• Googlecheckout.com
• 2checkout.com
• And #1 recommended Merchantinc.com


Again, if you are one of the thousands that absolutely hate Paypal, you should really reconsider your position. I totally understand your frustration and couldn’t sympathize with you more, but boycotting Paypal completely will cost you profitable sales in the future that you don’t want to lose.


There are many people that will ONLY use Paypal when making purchases online. This is because they are the largest 3rd party based payment processor in the world and whether you agree or not, they have a very reputable name to the online business newcomer community.


To make sure your safe, just be sure to use Paypal and also offer minimum 2 of the above payment methods or something similar that you would prefer.


I strongly recommend using #1 worldwide rated Merchantinc.com.


Monthly Account Supervision
The last thing that you need to do in order to be sure that your account stays in good standings forever is to have a
Paypal supervisor monitor your account monthly. Let’s face it, every time that you buy or sell something through Paypal, no matter how large or small the transaction is, you make Paypal money. Where would Paypal or any good payment processing company be without you and I?

They would be out of business because they make 100% of their money from processing fees so without any processing, there are no profits.


Keeping this little piece of information in mind, you owe it to yourself to have Paypal work for you. After all, you make them money, the least that they can do is return the favor by providing you with the excellent customer service that was promised to you upon signing up.


You should take full advantage of this by having a support agent review your account and all products and services being sold on a monthly basis to insure that you are not in any violation of their terms.


Be careful because you do not want to be unknowingly breaking one of their rules and then contact them and blow the whistle on yourself so that you immediately get your account limited or frozen when you were only trying to do the responsible thing. I know that it sounds pretty cruel, but it has happened before. You can have your account reviewed either through email at
https://www.paypal.com/cgi-bin/webscr?dispatch=5885d80a13c0db1fca8cb0621aa94a5 f79f0a43673e1ec7bc7ccc4f7f65b31ba or by calling Paypal directly at and speaking to someone over the phone at:


PayPal Customer Service:
1-402-935-2050
(a U.S. telephone number)
4:00 AM PST to 10:00 PM PST Monday through Friday
6:00 AM PST to 8:00 PM PST Saturday and Sunday
 

Just note that if you do it through email, it may take longer, but at least you will have everything in writing for proof purposes in case Paypal says that you are in perfect standing with their terms and they possibly try to come back and say that you are breaking some rules even as soon as days later and then limit your account access.

Directly before you ever contact them to review your account, ALWAYS review your own account thoroughly and if you have a good trustworthy friend or business partner that is familiar with Paypal, you should honestly have them to look over your account for a second opinion to assess if you are following every rule correctly.

Be sure to put yourself in
Paypal’s shoes and be very critical of anything that you may be doing that could be potentially border line breaking the rules or suspicious looking activity.

Once you’re finished reviewing your account and have gotten a second opinion, you are good to go so go for it! Contact that representative through phone or email around the same time every month.


Withdraw Funds Regularly
If you withdraw a large amount of money out of the blue and you’ve never done this before, this will look pretty suspicious and could cause
Paypal to raise a brow at you.

However, if you do this regularly then it becomes common place and
Paypal will view this activity as normal behavior for your specific account. This is not the only reason that you want to withdraw your money regularly. You also
want to do it because again, you need to take every step and precaution imaginable to prevent your account from being limited and still at the end of the day, there is nothing that can 100% guarantee that you are safe.


Therefore, as you make money, it needs to be withdrawn to your bank account, through your Paypal debit card, or even by check by mail.


DO NOT KEEP LARGE AMOUNTS OF MONEY IN YOUR PAYPAL ACCOUNT!
This would be a grave mistake. How often you should withdraw money depends on how much money you are earning and how quickly. Me personally, I believe that you should withdraw funds about once per week probably on
the same day of the week if your income and payments are pretty consistent and steady.


This is because it will get a nice pattern going and this pattern that I propose won’t look suspicious as it resembles that of how Payroll is done with other traditional businesses with their employees. Of course this means that you could also withdraw bi weekly, but I figure why not once a week?


If you have made money that week, even if it’s not a lot of money, YOU SHOULD WITHDRAW it because it’s FREE to do so and it prevents any potential issues.


Think of it like this,
Paypal cannot freeze money that is not in your account!

Determining if Your Business is Acceptable

“How to Avoid, Eliminate, & Resolve ANY Limited Paypal Account!”


This next step is very important also. Before you attempt to sell anything, I am sure that you would have the good sense to checkout Paypal’s acceptable items list. Once again, you can go to
http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/use/index_frame-outside to visit this list if you have not already done so.

It is very important that you check this list minimum once per month just to be sure that nothing has changed that will get you banned from Paypal forever.

For example:
Let’s say that you were selling an ebook using Paypal that explained “How to straighten your own hair using store bought chemicals without having a beauty license”. You may have been selling this product for years with absolutely no complaints from your buyers and it may have been 100% acceptable by Paypal, but Paypal hold’s the legal right to change their rules ANY TIME that they would like.

What if one day they decided to ban the selling of any instructional manuals or books that promote the home use of any type of chemicals at home by non licensed professionals because they voted that it could be hazardous, dangerous, and they now wanted nothing to do with anything like it?

This would be a nightmare for you if you weren’t prepared for it! Unfortunately, this actually happens all the time. This is why it is important that you stay
in tune with what products and service are acceptable and what products and services are not acceptable. Think about it. This could very well be a business disaster had this been a real life scenario.
Why?
Because Paypal would have quickly noticed that you are not abiding by their rules and regulations. Therefore, they would have quickly threw up the red flag and immediately “Limited” your account access.

Although it may seem unfair and unethical, rules are rules and they are not meant to be broken especially when using Paypal. What would make this scenario even worse is the fact that even though you would have been a good honest seller, you would have accidentally broken some real Paypal rules.

Unfortunately, your account access would have never been restored and your current funds that were in your account would have been held for the full 180 days.

Not only would you have your money frozen, but you would never be able to accept Paypal unless you know the secrets that I am going to be revealing very shortly.

So once again, let me say just keep on the safe side and be sure to keep your self updated at least monthly with what products and services are acceptable to cover your hide in case things should so happen to change without warning.

What You CAN & CAN’T Sell
Paypal has their list of exactly what you can and can’t sell on their site, that can for the third time be found at
http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/use/index_frame-outside
Unfortunately, in many cases, it is not so cut and dry as to if you can or cannot sell something on Paypal. I have news, after going through my research and my own issues with Paypal, you would be very surprised to see exactly what you can sell and what you can’t sell to say the least.

What to do if you are confused If you are unsure about a product or service being acceptable even after thoroughly reading through Paypal’s lists, then you should definitely take these necessary steps to be 100% sure that you will not have any problems when you start selling.

NOTE: Paypal could let you sell an item as they did me for 2 or more years and then freeze your account out of the nowhere and ban you forever.

If you think that you are about to take your chances on selling something through Paypal, that you are not sure about, that is a very risky and in my opinion stupid move to make.

Here is what you need to do:
Contact Paypal through email and ask them if your product or service is
acceptable. If you have a website that either displays or sells this particular product or service, you should definitely ask Paypal to thoroughly review your website as well as give any relevant information about your site to Paypal.
This would be things that may sound border line “Breaking the rules” to you.

Being that we are now swiftly approaching the year 2010, although many Paypal users are still very unhappy with the entire customer service process, they do have a phone number to call in which you can actually get someone on the phone and get helped.

Now this doesn’t mean that getting your accounts resolved after they are limited is just a cake walk these days. It can be, but you have to know the tricks of the trade as well as have a little bit of good luck.

You need to speak to a live representative. Once your hold time is completed and you finally get to speak with this live representative, you need to be VERY DETAILED when you ask them about your product or service being acceptable.
If they can assure you that it is acceptable, you need to repeat the email process minimum 2 more times so that you have it in writing that your products or services are 100% acceptable to sell. This will hold as proof in case Paypal wants to limit your account access.

Be sure to get an email answer in writing all 3 times.
You then need to repeat the phone process 4 more times so that you speak with a total of 5 representatives and out of these 4 new agents that you speak with, at least 2 of them need to be supervisors. Simply tell the representative that you need to speak with a supervisor that is currently on staff.

They will try to avoid allowing you to speak to their boss, but just be very respectful, professional, and persistent until they put you through. Since supervisors especially at Paypal are usually very busy, you will probably be placed on hold for several minutes until the supervisor is available, but that is perfectly ok. Just hold and handle your business once you get them on the phone.