Paypal Crisis. Reliable advice from real experience would be helpful.

I've had this account for 6 years.
ID verified, registered business, taxes up to date, 2 strong business bank accounts linked.

Then, without any warning, I just woke up to an email that says my account is disabled.

Im shocked, because it feels so unfair.

My current businesses do not depend on PayPal, its the business that I'm currently setting up, that haven't started as yet, that would have benefited from having PayPal.

So losing this PP feels like a loss for me.

*In the past 6 years, I have only had 5 transactions. Only 5 honest transactions!
The last transaction was 3 months ago.
Never had a dispute.
Never had any restrictions.
I have this as a payment option, but people don't use it.

Here's what they had to say,

"Why is this happening?
After a review, we found unusual activity on this account that we can't support."

And they took 3 months (after the last transaction) to decide that???

Here's what I'm really worried about...
Although my Business PayPal will be very useful for the new business im starting, it's my personal account that's more important to me.

Based on your experience and knowledge, if i were to call PayPal to discuss why this action was taken against my Business account, would that put my Personal Account under their radar, which could risk the Personal account getting disabled as well?

Based on what they said (email attached), do i stand any chance of getting it back, or are these decisions final?
Would trying to get it back put my Personal Account at risk?

Should I just leave it and move on?

I'm sorry to hear that, sadly PayPal is acting like that with a lot of people and businesses... You should forget about Paypal

TheAgency said:

I'm sorry to hear that, sadly PayPal is acting like that with a lot of people and businesses... You should forget about Paypal

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99% of me just wants to walk away.

There are some types of businesses, when you're able to provide PayPal, it gives a positive impression and new customers feel "safer" to buy.

I could never trust PP again with my business and money anyway.
I should just leave it

People still use paypal and dont expect this?

PaypalSucks.com has been existing since like 2010 or something............

That company thrives for scamming.

They make millions of dollars locking funds and collecting interest of users money.

Stay away from Paypal . Get into crypto.

GNews said:

People still use paypal and dont expect this?

PaypalSucks.com has been existing since like 2010 or something............

That company thrives for scamming.

They make millions of dollars locking funds and collecting interest of users money.

Stay away from Paypal . Get into crypto.

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Most people think higher number of transactions equals more money, but when quality of transaction drops to zero, there's no way to play.

There is less to no chance to get it back. This is what paypal is.

GNews said:

People still use paypal and dont expect this?

PaypalSucks.com has been existing since like 2010 or something............

That company thrives for scamming.

They make millions of dollars locking funds and collecting interest of users money.

Stay away from Paypal . Get into crypto.

Click to expand...

Oh I'm 100% behind decentralisation.

I'm actively promoting this on one of my websites with free learning resources.

But at the moment, these institutions still hold too much power, so when it comes to running our businesses, our options are still limited.

A similar thing has happened to me before, honestly, just give up on that account. Also refrain from logging in to it on the same device as your personal account going forward, it isnt worth the risk.

Speaking from my experience, i was able to register a new account for my business with the same details etc a few months after and avoid a ban, i know this probably isn't the best advice but my business account has had no problems and its been over 3 years. It's worth a shot waiting a few months and making a new account cause honestly you don't have much to lose?

r2150523 said:

Most people think higher number of transactions equals more money, but when quality of transaction drops to zero, there's no way to play.

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PayPal allows some of the most shady businesses to use their service/products!

"Quality of transactions" doesn't seem to matter, they alone know what they actually regard as quality.

This is why PayPal stealth is so important - you'll never lose sleep over losing PayPal accounts again.

As for the OP question, closure of your biz account will NOT automatically result in personal account closure in the near future, but it's definitely weakened the account and made it more likely. If I were you, I'd limit the amount of transactions I put through the personal account for a month or two and try to ride it out.

I'd STRONGLY discourage you ringing them. The business account is dead. Especially with the type of closure notification they provided. Zero probability of them reinstating you, regardless of the call. PayPal agents are taught to never deviate from scripted answers; and when they don't have one, they just tell you there's nothing that can be done. You'll never get it reinstated, so don't shine a light on your personal acc by ringing them. Move on.

GNews said:

Stay away from Paypal . Get into crypto.

Click to expand...

Lmfao. Yeah, and then - outside of the IM niches - watch your conversion rate tank by 95% +

Honestly, paypal probably thought your account was a ghost town and decided to evict the spirit. Contacting paypal is always a gamble, so consider if the potential drama is worth risking your personal account over a business that barely existed

GlamRock said:

PayPal allows some of the most shady businesses to use their service/products!

"Quality of transactions" doesn't seem to matter, they alone know what they actually regard as quality.

Click to expand...

Quality like... you can't chargeback with crypto.

PayPal quality is always low because of the risk of suspension and chargeback.

r2150523 said:

Quality like... you can't chargeback with crypto.

PayPal quality is always low because of the risk of suspension and chargeback.

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Depends what you're selling and the niche your operate in tbh.

Chargebacks for most, including digital, are below 1%, unless you're doing something which is inherently dodgy and attracts those kind of customers.
Total chargeback rate Fraudulent chargeback rate

XrumerGeek said:

This is why PayPal stealth is so important - you'll never lose sleep over losing PayPal accounts again.

As for the OP question, closure of your biz account will NOT automatically result in personal account closure in the near future, but it's definitely weakened the account and made it more likely. If I were you, I'd limit the amount of transactions I put through the personal account for a month or two and try to ride it out.

I'd STRONGLY discourage you ringing them. The business account is dead. Especially with the type of closure notification they provided. Zero probability of them reinstating you, regardless of the call. PayPal agents are taught to never deviate from scripted answers; and when they don't have one, they just tell you there's nothing that can be done. You'll never get it reinstated, so don't shine a light on your personal acc by ringing them. Move on.



Lmfao. Yeah, and then - outside of the IM niches - watch your conversion rate tank by 95% +

Click to expand...

"PayPal Stealth" or any kind of stealth in the online world doesnt feel so valuable, in my opinion.

When it comes to banking, i go by the books, im cautious, and i play by all their rules. Because its my money, so i stoop to conquer.

Social Media, i will cut corners for that.

Im new to a lot of this, so i see "stealth" as a method for burner operations (maybe im wrong about this) but im building a trustworthy brand with a strong foundation.
So I keep my banking legit & verifiable.

But it seems to not make a difference does it?

Because regardless of how legitimate and clean your business set-up is, you still have to look over your shoulder, constantly playing cat and mouse with these global giants.

TBH, Im working on setting up better solutions with smaller companies that have a better reputation and reliability but it will take some time.

But you're right, calling them could raise up an ants' nest...
And staying silent could backfire too...

But silence is golden, so i shall choose silence. Whatever happens, happens.

GlamRock said:

"PayPal Stealth" or any kind of stealth in the online world doesnt feel so valuable, in my opinion.

When it comes to banking, i go by the books, im cautious, and i play by all their rules. Because its my money, so i stoop to conquer.

Social Media, i will cut corners for that.

Im new to a lot of this, so i see "stealth" as a method for burner operations (maybe im wrong about this) but im building a trustworthy brand with a string foundation.
So I keep my banking legit & verifiable.

But it seems to not make a difference does it?

Because regardless of how legitimate and clean your business set-up is, you still have to look over your shoulder, constantly playing cat and mouse with these global giants.

TBH, Im working on setting up better solutions with smaller companies that have a better reputation and reliability but it will take some time.

But you're right, calling them could raise up an ants' nest...
And staying silent could backfire too...

But silence is golden, so i shall choose silence. Whaceever happens, happens.

Click to expand...

I'm not suggesting everyone should be utilising Stealth, just referencing my personal experience over the last 20+ years. It does completely remove the headaches and stress of PayPal limitations, providing you don't skimp on the number of accounts you have at any one time. Also, an important caveat, I am not referring to ANYTHING related to KYC, nor bypassing it.

Anything profit that touches a bank or wallet in my personal name is declared. It just moves around a little prior.

Probably they already know both accounts belong to you so I don’t think contacting PayPal will suddenly put your personal account at risk. If the business account hasn’t been permanently banned yet, I think you might want to try to appeal and ask for a manual review.

Do you can to come PayPal office? I'm successfully restored my account when I go to their office.

Thats why its called GayPal

Sorry for the loss. Anyway there are now lot of alternative than gaypal and yes if you still want you can have it (not recovering the account )

Let me answer your specific questions

Based on what they said (email attached), do i stand any chance of getting it back, or are these decisions final?

>>> Individuals cases differs and so in some cases, the decision is not final.

Would trying to get it back put my Personal Account at risk?

>>> No, it will not put your personal account at risk since it was not your personal account that was flagged for any reasons

Should I just leave it and move on?

>>> It is better to try and fail then not to try at all, if you will still need this business account for anything else, it is better for you to appeal/reach out to PayPal than to leave it. Except if it will no longer be useful later.

GlamRock said:

Oh I'm 100% behind decentralisation.

I'm actively promoting this on one of my websites with free learning resources.

But at the moment, these institutions still hold too much power, so when it comes to running our businesses, our options are still limited.

Click to expand...

Stick to Crypto.

I've not usesd Paypal frequently since like 2021 or something.