Dwolla verses pay pal

[SissySpike]

Most of us are aware of Pay Pals has a no no ecig policy and if caught they will seize your account and you could wait months for the return of your money

Here is a email conversation I just had with Dwolla rep

Dwolla Support

JAN 17, 2013 | 11:51AM CST
Robert,

Thank you for your email. That is correct, we do not have a policy against electronic cigarettes, as long as there are no conflicting laws against the sale or purchase of your products.

Sincerely,
Dwolla Support
www.dwolla.com
www.trydwolla.com (Send someone free money on us to get them started)

---- Message Disclaimer -----






Robert
JAN 17, 2013 | 11:25AM CST
Thank you for your vary fast response I did research your policy's before opening an account, and found no reason why you would be against or a stated policy claiming to be against ecig products.
If possible the answer Im looking for is we do not have a anti ecig policy as long as there are no conflicting laws or regulations against them or something to that affect.
I can assure you if you can make some sort of statement to this affect I will post you are ecig friendly in the ecig forums, and you will have spike in new accounts in the very near future when the word gets around in the online ecig community




JAN 17, 2013 | 10:59AM CST
Robert,

Thank you for your email. I would recommend you review our user conduct section from our terms of service to determine our policy on e cigarettes:

You understand and agree that you will not engage in the following activities:
● Use the Dwolla System without written consent to operate or engage in any business regulated by FinCen, including the money service business;
● Act as a marketplace and/or exchange for virtual currency products without prior written consent;
● Use the Dwolla System in association with or for payment of illegal goods or service, including, but not limited to, illegal substances, illegal online gambling/ wagering, pyramid schemes, or any type of money laundering;
● Attempt to falsify Your identity, such as by providing false account information or false documents; or
● Defraud Dwolla, Veridian, or other Dwolla Users in any way.
You understand and agree:
● You will provide information requested to determine your identity, including but not limited to the following: a valid U.S. address, phone number, Financial Institution account information, photo identification, and/or tax identification or social security number.
● You authorize Dwolla, directly or through Veridian or third parties, to make inquiries it considers necessary to validate Your identity, such as requesting additional information to validate Your Financial Institution account ownership, identity, and transaction authorization. This information is requested to protect Dwolla Users.




Robert

JAN 17, 2013 | 09:52AM CST
Original message
I quit smoking with the aid of electronic cigarettes In the ecig forums we sometimes have coops and buy sell and trade equipment amongst each other Pay pal. Has a no ecig policy and is starting to freeze peoples accounts when they notice its being used for Ecig stuff. What is your policy on electronic cigarettes?


I signed up for Dwolla makes since why would I keep giving Pay Pal money when they are against ecigs products?

A little tip to those of you who rightly so are nervous about attaching your bank account to something like this. open a second checking account dont order any checks just a debit card. When you receive the debit card keep a small amount in the account. Use this account for on line purchases. attach it to Pay pal, Dowlla ect... with out fear!
Only transfer enough money to cover each purchase or transter leaving the 50$ or so to keep the account active.
Then if someone were able to hack your online payment method or hack and steel your info from your favorite vendor the thieves only get your for 50$ you do not have to shut down and start a hole new checking account wait for months to be reimbursed. Its a great little safe guard with just a little effort.

 

[tA71ana]

Hmmm....sounds like a plan!
I think Dwolla will be getting a lot of signups very soon...

 

[SissySpike]

Im trying to spread the word I Pmed Joker Id like to see ECF adopt them as the preferred payment method. Why keep using someone who openly disapproves of ecigs and takes sanctions against the sale of them.

I also dropped CASAA a line

 

[Absintheur]

I started to sign up with Dwolla but when I saw the amount of personal information they wanted I stopped. I fail to see why they would need my social security number and other info until I saw they run your credit bureau. I will stick with PayPal.

I also feel that a forum (any forum, not just ECF) has no business making any payment form a prefered form unless that forum is willing to be financially responsible for any mishaps with transactions.

 

[SissySpike]

I started to sign up with Dwolla but when I saw the amount of personal information they wanted I stopped. I fail to see why they would need my social security number and other info until I saw they run your credit bureau. I will stick with PayPal.

I also feel that a forum (any forum, not just ECF) has no business making any payment form a prefered form unless that forum is willing to be financially responsible for any mishaps with transactions.

The easiest way to become verified in order to accesses the classifieds and coops is threw Pay pay verification. So ECF is all ready in a round about way promoting pay pal.
Pay Pal will freeze your account when they catch you in some sort of ecig transaction. So why are we using them for verification and promoting them as a form of online currency when they are openly against ecig stuff?
It seems like we are rewarding our enemies each time we pay their transaction fee.

 

[tmcase]

I don't want to derail this thread but the more payment options we have the better. Popmoney is another ecig friendly payment method and has already been recommended by j0ker. http://www.e-cigarette-forum.com/fo...waps/366198-classifieds-blog.html#post8238865

Dwolla is fine also but a little more difficult to sign up for, at least that was my experience.

 

[SissySpike]

It really dose not matter to me but I think we do need to get something else going. My thoughts with Dwolla is they do a verification process so that serves the same propose as the pay pal vitrifaction process.
Lets face it if you have to open a pay pal account to get verified you probably going to use it. No one wants to open an account for no reason.

 

[oldsoldier]

The easiest way to become verified in order to accesses the classifieds and coops is threw Pay pay verification. So ECF is all ready in a round about way promoting pay pal.
Pay Pal will freeze your account when they catch you in some sort of ecig transaction. So why are we using them for verification and promoting them as a form of online currency when they are openly against ecig stuff?
It seems like we are rewarding our enemies each time we pay their transaction fee.

PayPal only bans E-cig transactions in the United States, if you are making a foreign transaction they will not seize your account or freeze it, Liberty flights is a prime example- since they are a UK business they still use PayPal as a payment method.

 

[SissySpike]

PayPal only bans E-cig transactions in the United States, if you are making a foreign transaction they will not seize your account or freeze it, Liberty flights is a prime example- since they are a UK business they still use PayPal as a payment method.

A very true statement. But lots of Americans are ecig users so the problem is there. I would say 80% of classified transactions and coops are Americans. Facing negative consequences if caught using pay pal for ecig transactions.

 

[r77r7r]

The easiest way to become verified in order to accesses the classifieds and coops is threw Pay pay verification. So ECF is all ready in a round about way promoting pay pal.
Pay Pal will freeze your account when they catch you in some sort of ecig transaction. So why are we using them for verification and promoting them as a form of online currency when they are openly against ecig stuff?
It seems like we are rewarding our enemies each time we pay their transaction fee.

Personally, I don't see them as enemies. They're not actively seeking to do harm to us, are they? I don't know myself. Just seems like a business decision to me. Lowes doesn't allow ecigs on their property, I still vape there and buy there, they don't care.

I'd much rather focus on the FDA and government to change.

 

[unloaded]

PayPal just has the widest market share and a lot of people are familiar and comfortable with it. Before eBay acquired them they pretty much allowed everything as long as it was legal. E-cigs aren't the only category they don't allow, anything gun related will freeze your account too. The sad part is, part of the fees we pay them are probably funding anti-ecig and anti-gun lobbyists in Washington.

 

[SissySpike]

Personally, I don't see them as enemies. They're not actively seeking to do harm to us, are they? I don't know myself. Just seems like a business decision to me. Lowes doesn't allow ecigs on their property, I still vape there and buy there, they don't care.

I'd much rather focus on the FDA and government to change.

They certainly are not our friend. I would say they are against us if they are banning it from their list of donts. I all ready avoid lowes as they are owned by wal mart I did not know they banned ecigs from their property. That makes it easy I will not be giving them any more of my money.

 

[djensen9367]

I guess I am not totally understanding what is going on. I just purchased a new Reo Grand and he only takes paypal, his transactions are tracked thru paypal eyc. why isn't he "banned" or shut out??

 

[SissySpike]

I guess I am not totally understanding what is going on. I just purchased a new Reo Grand and he only takes paypal, his transactions are tracked thru paypal eyc. why isn't he "banned" or shut out??

Thats why every add says do not mention ECF or ecig related products. Because if you did youed be making a post screaming foul instead of happily vaping your REO

 

[Absintheur]

Paypal does not ban gun items or e-cig items because they are against them, rather they are against getting sued. When a guy used magazines he bought on e-bay, paid through Paypal and shot people the victims named both companies in lawsuits for allowing the magazines to be sold via their companies. Paypal does not want to be sued if a kid uses Paypal to buy things they are underaged for. It is called CYA.

 

[tmcase]

Paypal does not ban gun items or e-cig items because they are against them, rather they are against getting sued. When a guy used magazines he bought on e-bay, paid through Paypal and shot people the victims named both companies in lawsuits for allowing the magazines to be sold via their companies. Paypal does not want to be sued if a kid uses Paypal to buy things they are underaged for. It is called CYA.

True but they sell knives, bows & arrows and crossbows. Just sayin....

 

[artbyshan]

I really think Popmoney looks promising. The fees seem very reasonable, and I noticed a few classifieds on the ECF using this as a payment method.
https://www.popmoney.com

 

[SissySpike]

Paypal does not ban gun items or e-cig items because they are against them, rather they are against getting sued. When a guy used magazines he bought on e-bay, paid through Paypal and shot people the victims named both companies in lawsuits for allowing the magazines to be sold via their companies. Paypal does not want to be sued if a kid uses Paypal to buy things they are underaged for. It is called CYA.

I wonder what happens to people when they get on these juries dose being on a ridiculous law suit make all common since go away? Why do we hold everyone accountable except the one who did it?