My son tried to make a purchase yesterday using my PayPal account. The payment was declined by PayPal.
Unfortunately, you’ve hit your initial PayPal sending limit of $10,000.00 USD. That’s why your recent payment was declined. Your sending limit is the maximum amount of money you can send or use for purchases before you need to become Verified. We place initial limits on all accounts to increase security and help prevent fraud. Once you link and confirm a bank account or get approved for PayPal credit, your account will be Verified and you’ll be able to make as many payments as you like with PayPal.
My reaction was complete incredulity. They were fine pushing my money through their service right up until, apparently, the moment I spent too much money? WTF?
I took a day to stew over how to handle it. Then I sent this reply.
Yesterday you rejected a payment on the premise that I have “exceeded my spending limit”. Let’s break this down logically, shall we? In order to exceed my limit – a completely arbitrary limit set by you – I had to pass $10K through your service. Since sellers who use your service kick back a substancial fee to you per transaction, that means you’ve made a great deal of money from transactions made by me and members of my family. But that’s not good enough for you. No. You insist that, in order to continue utilizing your service, I must provide you with my bank account information or use your credit card for future transactions. I’m not sure what it is that motivates this strong-arm action on your part. Is it greed? Control? What? All I know is that what you are demanding makes no rational sense to me. I will not provide you with my bank account information. Why would I do that, when you’re regular targets of hackers – particularly Anonymous hackers – who would be able to run wild with my financial information? Nor will I be coerced into using your credit card. I passed $10K through your system over the past several years. I will not pass one additional penny though it. Find someone else to strong-arm. I have other options that don’t involve being bullied by a service provider.
To summarize: PayPal can kiss my lily-white ass.