PayPal Account Banned? Congratulations!

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BANNED - Failed to resolve a dispute
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Cool off cool off... dude

I don't feel sorry for you. I only feel sorry for the money locked in your banned PP account.

Now is the time to explore limitless opportunities as you can now leave your payment gateway comfort zone. It's seriously gonna be hard. I understand but you will thank yourself later when you finally find many more alternatives better than PayPal. Yes, PayPal is flexible and ditches its merchants in favor of the buyers most of the time, even if the buyers are scammy.

I spent 4 years of my life with PayPal. Did nothing illegal but was in the stealth mode with them for years until I had to file tax returns and many other legal sht a sane human being from a PP unsupported country doesn't want to deal with. It's not worth the entire hassles. All the back and forth dispute claims, charges, losses, short term profits. Yes, you can say all you want, "get all the stealth doc ready... and blah blah.." but that also won't last. Just forget it. You don't want to learn the hard way. I have read thousands and thousands of stories on how Paypal got even legit accounts frozen erroneously with their fraud algo. It's bs.

Stop Using Shit to Fix Shit

Once your PayPal gets banned, it's time to move on to a new payment processor. Not stealth PayPal (shit). There are countless number alternative merchant accounts with different levels of difficulty to get approved in each of them. Undoubtedly like Paypal, this also depends on your type of business and jurisdiction. But by far better than PayPal, favorable to merchants a bit more, and won't ban you overnight unless you are doing something really really shady or unsupported. Here is a summary of some payment gateway alternatives to PayPal with their use case.

PayPal Alternatives
  • Stripe - Services and SaaS
  • 2checkout - Services and SaaS
  • PayOP - Services and SaaS
  • Wise - Wire, freelance
  • Payoneer - ACH, wire, freelance
  • Paddle - for SaaS
  • Coinbase - for Crypto
  • Flutterwave - Services and SaaS
  • CCBill - Services and SaaS
  • A lot more and more...almost endless as FinTech keeps evolving.
Again, you should check with each payment gateway to be sure of what is allowed and not allowed rather than suddenly meeting the unexpected BS you've always complained about since day #1. One thing I believe is this: no matter where you are in the world, there is always a payment processor suitable for you and your business on this planet. You just have to find it... now that's the tricky part. Finding a payment processor can take weeks, months, and even years. I was well aware that my PayPal would come to an end 3 years long before it got banned. In those three years, I have been actively searching to fck a new gateway like a btch.

What I learned

Get real from the onset! Unless your motive is ulterior- scamming people [which I strongly discourage], you should be spending your money on getting some real legal docs for your digital or physical business rather than investing the same or even more on stealth PP docs that won't last. Make sure everything checks out as real as possible: incorporation doc (you can get it from online services like IncFile etc), set up a business account with those incorporation docs (Wise, Payoneer, RelayFinance, and Mercury are your friends). All these can be sorted within 2-4 weeks.

This option might be a little bit more on the expensive side than getting stealth docs for a churn and burn PayPal, but you will have 95% more peace of mind and the feeling of getting real and not having to hide your a** unnecessarily. You can even land an investor. Com'on baby, be proud of yourself and all your efforts.
 
Last edited:
Good list you've got there.

Ranking the processors based on my personal experience. Excluding PayPal ofc.

1.Stripe
2. Paddle
3. Payoneer
4. Flutterwave.


Wise has been a bad boy to me. Wouldn't reconmend.
 
How will we overcome the tax problem? I don't know USA but 20% tax in UK. This is not a small amount.
 
How will we overcome the tax problem? I don't know USA but 20% tax in UK. This is not a small amount.
There is no such thing as US tax for a non-resident alien. This is usually a disregarded entity (of if you filed as an LLC and as the only member in your company. This is often treated the same as a Sole proprietorship). Nothing to lose and you are not taking up some physical infrastructures like office rent, water bill etc in the US. You may want to have a closer look at the term "disregarded entity" for a single-member LLC. I have no idea about the UK.

Disclaimer: this is no legal advice. I am talking from my personal experience only. Goodluck!
 
How will we overcome the tax problem? I don't know USA but 20% tax in UK. This is not a small amount.
If EVERYBODY has to follow the same tax rules, and there are companies that do and make millions and billions, then really you can't complain, can you? Don't think like a poor person and the tax is against you, think like a business owner, and the tax benefits are for you.

I agree with OP about putting your business through things legitimately within a company structure. I found it a piece of cake to register for woo commerce payment gateway via stripe, and even when they canceled one of my applications, I made about 4 within 2 weeks for different sites, I emailed them explained what I was doing, and they apologized and opened things back up for me right away. Much easier when you have official company data to back you up.
 
Cool off cool off... dude

I don't feel sorry for you. I only feel sorry for the money locked in your banned PP account.

Now is the time to explore limitless opportunities as you can now leave your payment gateway comfort zone. It's seriously gonna be hard. I understand but you will thank yourself later when you finally find many more alternatives better than PayPal. Yes, PayPal is flexible and ditches its merchants in favor of the buyers most of the time, even if the buyers are scammy.

I spent 4 years of my life with PayPal. Did nothing illegal but was in the stealth mode with them for years until I had to file tax returns and many other legal sht a sane human being from a PP unsupported country doesn't want to deal with. It's not worth the entire hassles. All the back and forth dispute claims, charges, losses, short term profits. Yes, you can say all you want, "get all the stealth doc ready... and blah blah.." but that also won't last. Just forget it. You don't want to learn the hard way. I have read thousands and thousands of stories on how Paypal got even legit accounts frozen erroneously with their fraud algo. It's bs.

Stop Using Shit to Fix Shit

Once your PayPal gets banned, it's time to move on to a new payment processor. Not stealth PayPal (shit). There are countless number alternative merchant accounts with different levels of difficulty to get approved in each of them. Undoubtedly like Paypal, this also depends on your type of business and jurisdiction. But by far better than PayPal, favorable to merchants a bit more, and won't ban you overnight unless you are doing something really really shady or unsupported. Here is a summary of some payment gateway alternatives to PayPal with their use case.

PayPal Alternatives
  • Stripe - Services and SaaS
  • 2checkout - Services and SaaS
  • PayOP - Services and SaaS
  • Wise - Wire, freelance
  • Payoneer - ACH, wire, freelance
  • Paddle - for SaaS
  • Coinbase - for Crypto
  • Flutterwave - Services and SaaS
  • CCBill - Services and SaaS
  • A lot more and more...almost endless as FinTech keeps evolving.
Again, you should check with each payment gateway to be sure of what is allowed and not allowed rather than suddenly meeting the unexpected BS you've always complained about since day #1. One thing I believe is this: no matter where you are in the world, there is always a payment processor suitable for you and your business on this planet. You just have to find it... now that's the tricky part. Finding a payment processor can take weeks, months, and even years. I was well aware that my PayPal would come to an end 3 years long before it got banned. In those three years, I have been actively searching to fck a new gateway like a btch.

What I learned

Get real from the onset! Unless your motive is ulterior- scamming people [which I strongly discourage], you should be spending your money on getting some real legal docs for your digital or physical business rather than investing the same or even more on stealth PP docs that won't last. Make sure everything checks out as real as possible: incorporation doc (you can get it from online services like IncFile etc), set up a business account with those incorporation docs (Wise, Payoneer, RelayFinance, and Mercury are your friends). All these can be sorted within 2-4 weeks.

This option might be a little bit more on the expensive side than getting stealth docs for a churn and burn PayPal, but you will have 95% more peace of mind and the feeling of getting real and not having to hide your a** unnecessarily. You can even land an investor. Com'on baby, be proud of yourself and all your efforts.
thanks for this list. it really helpful
 
Good list you've got there.

Ranking the processors based on my personal experience. Excluding PayPal ofc.

1.Stripe
2. Paddle
3. Payoneer
4. Flutterwave.


Wise has been a bad boy to me. Wouldn't reconmend.
Why is payoneer so low? I was planning to go with it.
 
Cool off cool off... dude

I don't feel sorry for you. I only feel sorry for the money locked in your banned PP account.

Now is the time to explore limitless opportunities as you can now leave your payment gateway comfort zone. It's seriously gonna be hard. I understand but you will thank yourself later when you finally find many more alternatives better than PayPal. Yes, PayPal is flexible and ditches its merchants in favor of the buyers most of the time, even if the buyers are scammy.

I spent 4 years of my life with PayPal. Did nothing illegal but was in the stealth mode with them for years until I had to file tax returns and many other legal sht a sane human being from a PP unsupported country doesn't want to deal with. It's not worth the entire hassles. All the back and forth dispute claims, charges, losses, short term profits. Yes, you can say all you want, "get all the stealth doc ready... and blah blah.." but that also won't last. Just forget it. You don't want to learn the hard way. I have read thousands and thousands of stories on how Paypal got even legit accounts frozen erroneously with their fraud algo. It's bs.

Stop Using Shit to Fix Shit

Once your PayPal gets banned, it's time to move on to a new payment processor. Not stealth PayPal (shit). There are countless number alternative merchant accounts with different levels of difficulty to get approved in each of them. Undoubtedly like Paypal, this also depends on your type of business and jurisdiction. But by far better than PayPal, favorable to merchants a bit more, and won't ban you overnight unless you are doing something really really shady or unsupported. Here is a summary of some payment gateway alternatives to PayPal with their use case.

PayPal Alternatives
  • Stripe - Services and SaaS
  • 2checkout - Services and SaaS
  • PayOP - Services and SaaS
  • Wise - Wire, freelance
  • Payoneer - ACH, wire, freelance
  • Paddle - for SaaS
  • Coinbase - for Crypto
  • Flutterwave - Services and SaaS
  • CCBill - Services and SaaS
  • A lot more and more...almost endless as FinTech keeps evolving.
Again, you should check with each payment gateway to be sure of what is allowed and not allowed rather than suddenly meeting the unexpected BS you've always complained about since day #1. One thing I believe is this: no matter where you are in the world, there is always a payment processor suitable for you and your business on this planet. You just have to find it... now that's the tricky part. Finding a payment processor can take weeks, months, and even years. I was well aware that my PayPal would come to an end 3 years long before it got banned. In those three years, I have been actively searching to fck a new gateway like a btch.

What I learned

Get real from the onset! Unless your motive is ulterior- scamming people [which I strongly discourage], you should be spending your money on getting some real legal docs for your digital or physical business rather than investing the same or even more on stealth PP docs that won't last. Make sure everything checks out as real as possible: incorporation doc (you can get it from online services like IncFile etc), set up a business account with those incorporation docs (Wise, Payoneer, RelayFinance, and Mercury are your friends). All these can be sorted within 2-4 weeks.

This option might be a little bit more on the expensive side than getting stealth docs for a churn and burn PayPal, but you will have 95% more peace of mind and the feeling of getting real and not having to hide your a** unnecessarily. You can even land an investor. Com'on baby, be proud of yourself and all your efforts.
Yes, same, i used PayPal first, like everybody else, because thats the one of the biggest mainstream PaymentProcessor.

I encountered lot of BS like you. Then i moved to Stripe.. I have to say that Stripe has the same BS tecnique like PayPal. I hate Stripe, even more than PayPal.

From my experience, whats worked the best for me and smoothly, Was Payoneer (i loved this the most) and Wise.
 
Yes, same, i used PayPal first, like everybody else, because thats the one of the biggest mainstream PaymentProcessor.

I encountered lot of BS like you. Then i moved to Stripe.. I have to say that Stripe has the same BS tecnique like PayPal. I hate Stripe, even more than PayPal.

From my experience, whats worked the best for me and smoothly, Was Payoneer (i loved this the most) and Wise.
Was your Stripe stealth? I'm just curious.
I would never use anything payment gateway in "stealth mode". It's a pain in the a**
 
2checkout, payop etc don't work with social media. That's the problem,
As far as I know, Paypal doesn't work with social media either. People just go stealth on that until it gets banned and becomes a big pain.
 
It was a normal Stripe account in my own name and registered business.
Well, I still have no idea about what your business is like. But I have met many stripe users.
Sorry for your loss with Stripe. You may want t checkout high risk payment processors.
 
I am sorry But you didn't present how to get the alternative.
Of course, legit Stripe is better than Stealth PayPal.

But how can an Individual move from a Stealth PayPal to Stripe?
Impossible unless you but ready-made accounts.
 
I am sorry But you didn't present how to get the alternative.
Of course, legit Stripe is better than Stealth PayPal.

But how can an Individual move from a Stealth PayPal to Stripe?
Impossible unless you but ready-made accounts.
The truth is: 99% ready-made Stripe accounts are also Stealth. Ask yourself "Would I want to sell my legit Stripe to a random guy?" Of course not, Stripe is a lot more valuable than that.

But like I said in the post, get a legal entity sorted first even if your business is the smallest on the planet; even if you sell blank papers or affiliate products. Business is business. That should erase the panic. Then use the US doc (if you are from a country that Stripe doesn't support) and your national ID/passport, and driver's license to open a legit Stripe account. It's not as complicated as you think. But you can't expect someone to spoonfeed you like I already have. Goodluck!
 
The truth is: 99% ready-made Stripe accounts are also Stealth. Ask yourself "Would I want to sell my legit Stripe to a random guy?" Of course not, Stripe is a lot more valuable than that.

But like I said in the post, get a legal entity sorted first even if your business is the smallest on the planet; even if you sell blank papers or affiliate products. Business is business. That should erase the panic. Then use the US doc (if you are from a country that Stripe doesn't support) and your national ID/passport, and driver's license to open a legit Stripe account. It's not as complicated as you think. But you can't expect someone to spoonfeed you like I already have. Goodluck!
I am always willing to pay more to someone will spoon feed me :)
I am a BIG BABY.
 
I am always willing to pay more to someone will spoon feed me :)
I am a BIG BABY.
Good for you then. Good luck with you IM journey buddy!
 
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