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I frequently purchase things from independent US companies via Paypal, and also use it to buy stuff on eBay, but recently I realised that, after several years of using Paypal, I was reaching the end of the total amount of money I could send without getting my account "verified". However, when I attempted to verify my account, I discovered that as an Irish resident, the only way I could do so was to list ANOTHER credit card - in other words, I would prove that I was financially reliable by showing that I was in multiple debt. Which I'm not. Anyway, I rang Paypal and spoke to a very nice woman who seemed to realise how mad it was but said she couldn't verify me (she could, however, raise my sending limits anyway so I can continue to buy stuff via Paypal). Apparently, however, I can no longer receive any money at all - I just tried to sell some books on eBay and was told I can no longer receive Paypal payments because of my unverified status. But the only way I can get verified and show how safe I am with money is to have multiple credit cards. If anyone can explain the logic of this, please do. I'm just pissed off that apparently I can never sell anything on eBay again, and have written a suitably angry letter to their customer service department to let them know.

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( 17 comments — Leave a comment )
glitterboy1
May. 15th, 2007 12:42 pm (UTC)
That's crazy! I can't remember what was involved in being 'verified' as a UK resident, but I'm sure it didn't involve anything as insane as that. Sheesh.

What about nochex? I've never used it as a buyer or seller, but have always assumed it was pretty much the same sort of thing. Are they any less mad?

stellanova
May. 15th, 2007 12:47 pm (UTC)
UK and, I think, German residents can just list their bank accounts, but although eBay's European branch was started in Ireland, we can't!

I have never heard of nochex - does it work in a similar way? I don't know if there'd be a point if lots of people don't use it, though...
glitterboy1
May. 15th, 2007 12:52 pm (UTC)
That's just rubbish, isn't it. Bah. I don't think I even had to list my bank account, but maybe things have been tightened up since I was 'verified'.

Does it make any difference if you have a 'Premier' account (i.e. one that can accept credit card payments, but where you pay higher fees)?
stellanova
May. 15th, 2007 01:33 pm (UTC)
I upgraded my account to Premier before trying to sell this book on eBay and it didn't make any difference! Madness.
stellanova
May. 15th, 2007 12:48 pm (UTC)
Ah, just googled them and discovered that only UK residents can get personal sellers accounts...oh well!
glitterboy1
May. 15th, 2007 12:53 pm (UTC)
Bah again!
sshi
May. 15th, 2007 12:56 pm (UTC)
That's really odd - I'm a verified member and I've only ever had one credit card on there.

Although, I have a sneaking suspicion that I may have gotten verified when deleting a missing credit card and adding the replacement with a new number.
stellanova
May. 15th, 2007 01:32 pm (UTC)
I think that must have happened because the woman on the helpline said there was no other way an Irish person could verify her account! Bah!
sshi
May. 15th, 2007 01:42 pm (UTC)
Hmmn. I don't suppose you could delete the card and add it again, or would it just recognise it as the same one? It would only be a work-around, though, and really not solving the problem at its source.
biascut
May. 15th, 2007 01:13 pm (UTC)
How bizarre! I'm sure I had to get my account verified before I did anything on it: I had to set it up, then get my next credit card bill, and then I could use it.

I don't really understand Paypal at all. It's one of the few places where I totally cede responsibility and assume that someone else has read the small print.
barsine
May. 15th, 2007 01:19 pm (UTC)
Apropos of absolutely nothing in the above post (sorry stellanova, I meant to tell you -- they have our red shoes in Office again! They have straps instead of elastic, but they are basically the same. I am sorely tempted to buy another pair to have in reserve.
stellanova
May. 15th, 2007 01:31 pm (UTC)
Yeah, that's what it was like when I set up my account - now "verified/unverified" is a distinct category. Of course, it may always have been different from people with UK bank accounts.
(Deleted comment)
stellanova
May. 15th, 2007 01:55 pm (UTC)
For a brief period you could actually transfer money you'd been sent via Paypal to your Irish bank account, but that seems to be no longer the case. I really don't understand why I can't verify my account without adding a card, but no other option is given. Madness!
biascut
May. 15th, 2007 02:33 pm (UTC)
Do you have it linked to your bank account or to a credit card? Because mine is on my Visa card, not my bank account (the main reason why I don't take much notice of the small print, since going through Visa means I'm insured for most things) - maybe that's part of the difference?
stellanova
May. 15th, 2007 02:41 pm (UTC)
No, mine's on my Visa - that's why I can't add another card, I'm using the only one I have! You can't link it to your bank account in Ireland, anyway.
stellanova
May. 15th, 2007 02:42 pm (UTC)
By which I mean you can't pay with money from your current account - you used to be able to transfer the money you were sent to your current account, but no more!
aliceinfinland
May. 16th, 2007 03:54 am (UTC)
I have only one card too, and once the date turned over, which it does every year of course, Paypal "disabled" it and wouldn't let me update it or add it back. And since it is a US credit card and I live in Finland, I think I only got Paypal to take it in the first place by lying about my living address or my billing address, I forget which and have been unable to reproduce the effect.

I hate Paypal. I'm impressed that you got a customer service rep on the phone. How did you do that?
( 17 comments — Leave a comment )

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