About this Paypal thing

[j21blackjack]

I've read a few threads that deal with Paypal cancelling folks' accounts because of e-cigs. Is this actually in the Paypal policy? If so, then has anyone ever heard of Gpal? It's a Paypal alternative that allows buying and selling anything, as long as it's legal. They don't have stupid restrictions or other bs. The site was originally created for gun owners and buyers who needed a credit card method of payment. Paypal is also extremely anti-gun if you can believe it, and cancels accounts because of it all the time. I've used Gpal quite a few times, it's exactly like Paypal, only not stupid. I'm pretty sure their fees are about the same also, about 2.7% or so. I don't know how many vendors hang out on the forums, but this could be an excellent way for them to start offering a safer way to pay.

www.gpal.net

 

[KPKicker]

The way I understand it, Paypal cancels the sellers account when they find out it is something that is against their policy. I haven't heard of any buyers getting their accounts whacked, but I could be wrong.

 

[j21blackjack]

I was just browsing earlier and found a couple of threads talking about why none of the suppliers used PayPal, and the reason was that Paypal had cancelled the vendor's account because it was against their policies. I was just wondering if this was the reason no one used Paypal as a payment method, and if it was, then Gpal would be an excellent alternative. They are happy to accept all of the money Paypal doesn't want.

 

[irwink]

If what you say is true then screw Paypal. What a bunch of pc bs.

 

[j21blackjack]

Paypal's acceptable use policy:

You may not use the PayPal service for activities that:

violate any law, statute, ordinance or regulation

relate to sales of (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (d) items that promote hate, violence, racial intolerance, or the financial exploitation of a crime, (e) items that are considered obscene, (f) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (g) certain sexually oriented materials or services, or (h) ammunition, firearms, or certain firearm parts or accessories, or (i) ,certain weapons or knives regulated under applicable law

relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs, (c) are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f), are associated with the following Money Service Business activities: the sale of traveler’s checks or money orders, currency exchanges or check cashing,or (g) provide certain credit repair or debt settlement services

involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent
violate applicable laws or industry regulations regarding the sale of (a) tobacco products, or (b) prescription drugs and devices
involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from PayPal and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.

I guess that could be their reasoning, "consumer safety".

Here is Gpal's:

GPal may not be used for the following:
Illegal Items or Activities - includes any good or service that violates local, state, or federal laws or regulations. Examples include stolen goods, Cuban cigars, materials that infringe other's intellectual property rights (including pirated software and counterfeit goods), human body parts, endangered species, items that defame or slander others, and any other items or activities that in our judgment are illegal.
Collection Agencies - includes businesses that are engaged in the collection of uncollectible debt or accounts receivable and billing companies.
Financial Intermediaries and Money Service Businesses - includes without limitation Internet malls processing third party payments, credit card aggregators, offshore banking operations, debt financing, money transmitters, check cashing services, currency exchange and dealing, cash advance services, payday lending, escrow services, any service that receives and processes money on behalf of others, and any issuers, redeemers, and sellers of money orders, travelers checks, and stored value products (other than retail gift cards).
Money Making ("Get Rich") Businesses - includes information guides, warranty fees, mortgage reduction services, and any product or service where a prize is guaranteed, marketing media is unavailable, premiums/incentives are offered, promises of future guaranteed results are made, or any rebate or reward program.
Miracle Cure Products - includes cures, remedies or enhancement products, and other health/nutritional products offering guaranteed results.
Drugs - includes illegal drugs, drug paraphernalia, online or mail order pharmacies, importation of pharmaceuticals from foreign countries, and prescription devices.

The "drugs" portion could possibly prohibit the use of Gpal for liquid since nicotine is a drug, but I doubt they would notice. I just really wish more online stores would use Paypal. I have had my card info stolen twice in the last 4 years making purchases on "secure" websites (no problem with e-cig suppliers so far). I hate using my card number all over the place.

 

[SeaBrz]

Nice find, j21. I have been a PayPal user for years, but haven't liked the constant changes since it was purchased by eBay.

GPal (formerly called GunPal) looks like a solid alternative for the vendors here if GPal is willing to accept them. I googled and could not find anything negative about GPal, and with 20,000+ users and good security endorsements, I would not hesitate to setup an account as a buyer. Their website is https://www.gpal.net/

~SB

 

[j21blackjack]

I have personally used Gpal (gunpal) on three separate gun related transactions, two through an online dealer, and one through a private sell by me. I'm glad they changed their name to Gpal, I really think Gunpal wasn't the best name for them to use. I actually don't use Ebay whenever I can avoid them simply because I can't stand Paypal.

 

[bsoplinger]

PayPal has backing from MasterCard. MasterCard won't allow the CC to be used for e-cig purchases. Hence the PayPal policy. Also why folks who do private sales and wish to use PayPal say "no mention of e-cig" when talking about payment.

 

[irwink]

MasterCard won't allow the CC to be used for e-cig purchases. Hence the PayPal policy.

News to me. I've used MsterCard numerous times to purchase e-cigss and e-cig supplies. Got a link to that policy?

 

[Elapid]

I also use MasterCard everywhere with no problems, used it yesterday.

 

[Quick1]

I actually don't use Ebay whenever I can avoid them simply because I can't stand Paypal.

You've got it backwards. Ebay bought PayPal and it's Ebay that sets the policy.

 

[j21blackjack]

You've got it backwards. Ebay bought PayPal and it's Ebay that sets the policy.

Good call, it's really not fair of me say I refuse to use Ebay and Paypal because there are many great folks on Ebay that have excellent deals. I got my 6ml bottles off ebay for like $4.69 shipped for 5 bottles just a couple of weeks ago.

 

[Kirssstens]

I've done alot of business with Healthcabin for the last six months, all transactions processed through paypal, no problem. In fact wasn't even aware of this, thanks for the information BlackJack.

 

[Zelphie]

Ive also heard about them not allowing sellers to use paypal but it seems it hasnt gone int effect with those Ive purchased with yet. Hopefully a seamless transition to a alternative providing that lasts.
I used it today actually.

 

[Hendry]

I only use paypal if it's absolutely necessary (usually ebay), and I only pay with a credit card, so I have some recourse should things go wrong. I would never let paypal pull money out of my bank account.

 

[Quick1]

I've done alot of business with Healthcabin for the last six months, all transactions processed through paypal, no problem. In fact wasn't even aware of this, thanks for the information BlackJack.

PayPal, like eBay, has regional "companies" and the policies are tailored for the locale. For example, e-cig transactions through PayPal UK accounts are perfectly acceptable. When you use the PayPal with Healthcabin I assume they have a PayPal China account and PayPal China doesn't have a problem with e-cigs.

You *would* have been aware of this if you funded your PayPal transactions with a bank card AND your bank charges foreign transaction fees. Some banks do and some don't and with still others it depends on the credit/debit card you have with the bank. When they do charge fees the amount varies from bank to bank as well. So, for example, a payment made to a PayPal UK account is the same as a transaction made to a UK company as far as your bank is concerned.