I know that you want to use paypal to accept only credit cards to avoid the chargebacks but one thing , paypal does not trust transactions from cards specially if yr acccout new and does not have any transaction history , the first 1 or 2 transactions and you will get banned .....
Great and interested fo follow , but still did not understand, how are you using bank to process payments? Is it possible? Bank can receive direct transfer as far as i know
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