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I’m frustrated

Paypal has disabled my instant transfer for no reason and they can't fix it!!!!!

I have been making several purchases recently through eBay and I always used instant transfer (and want to keep it that way)... I attempted some larger purchases (800US) and noticed the instant transfer was disabled? Spoke with Paypal and they said that the system controls that and there is absolutely nothing they can do. Since then it has gotten worse and now I after a couple more small to medium sized purchases the instant transfer is completely grayed out for every transaction! Paypal still can't do anything (spoke to them 4 times including supervisors) and has no reason why this is happening. They are trying to tell me that nobody at Paypal controls the system and it automatically does what it wants for security reasons.

I have been a verified user with a perfect record for at least 4 years and have never had insufficient funds for any purchase? My bank account has way more than enough to cover all the purchases but "the system" is not letting me use it.

If there is anyone here that can help me please let me know!!!
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  • Hi Bruno-

    There's something here that I'm missing, so I'd like to troubleshoot further. Is it possible that the card you were using for the backup funding source has expired?

    This would default to an eCheck as the payment method since it was only the bank account on file.

    I ask because we are also doing some limited testing in other areas, but that testing always offers the ability to change the funding source.

    Thanks,
    PayPal Jason
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  • I am also having this same issue, I have had my paypal account for several years with no issues, I have not one but two confirmed credit cards on file but I like paying with my bank account for small purchases. Since September I have tried 18 purchases ranging in value from $1.50 to $80 and everyone of them I was refused the option of paying with my bank account. I have called numerous times and still cannot get a sufficient response from Paypal. It's bloody ridiculous that they won't investigate this problem instead of giving a standard "there's nothing we can do about it" response.
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  • I’m frustrated
    I, too, am experiencing the same problema s Bruno. I've had a PayPal account for over three years and have been able to make purchases through instant transfer.

    As of August, 2009 I have not been able to do instant transfers, even for monthly recurring charges that have ALWAYS been completed through instant transfer. Three calls to Paypal have given the same answer: "Noody at PayPal controls this and it is up to the system to change it back."

    My question: surely someone (a human) built the PayPalsysteam and if it's broke can go back and fix it. If not, then when the system really breaks, all PayPal account holders are in big trouble! Or is it true PayPal is no longer for the "ordinary man" those of us that do transactions of under $1,000 a month??? PayPal's profits are from large dollar value trransactions. Guess there are that many more of them than us...
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  • I’m Pissed off
    I too am having this same problem but today i was able to use my instant transfers for one purchase and then it decided it was gonna block it again. I am really sick and tired of paypal telling me they cant do anything. the way i see it if you cant fix the damn thing then get rid of it for good. period
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  • I’m frustrated
    Ditto.. same problem here. Ongoing for about 2 weeks. Are there no viable alternatives to paypal?
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  • I’m Angry at paypal
    Im also having this problem for the past few weeks, iv been with paypal for a few years now and without any info now im unable to make instant transfer's only allows me to do echeck or creditcard i perferr to do instant transfers. So i first found out about this when paying for my hosting which was always instant trasfer i login to pay my hosting on the 26th of nov (invoice due 29th nov) and instant transfer is greyed out. How do i pay this cause echeck takes like a week to clear. Luckly my host is being kind to me and it waiting...i hope.

    There is enough funds in my bank account, my paypal account is a verified Premier account. And i also have a working credit card linked to the account.
    I think i am able to make small payment under $5 with instant transfer but thats it.

    PayPal FIX YOUR SYSTEM.
    Do i have to create a whole new paypal account for this cause....DAM
    How do you not have control over the system...how does it do whatever it feels like ? When it does fail which it does...Who fixes it ?

    This Bug is Screwing so many people up and it seems PayPal doesnt give (Pardon My "french") a Fuck.
    Sorry but this has made my very frustrated.
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  • As i said in another post about this paypal issue:

    Paypal dont care too much about losing customers unless you are like an ebay power seller where you make a lot of transactions through them, so you leaving will lose them a lot of money.

    Then they'll care.

    As for being able to pay your paypal fee's by instant payment, but nothing else.
    This is because paypal and ebay are owned by the same people.
    So they will allow this payment no matter if there what, as the money in going to them.
    If the money is going to anyone else (like a seller), then they dont care, and the usual 'no instant transfer' option is applied.

    I too have spken to them about this.
    And the response is the same.

    Our security system is a big secret, and will break if we tell you anything about it, so there is nothing we can do to help you.
    Definition ?
    This means,
    Say and ask what you want.
    We're not going to help you either way.

    It sux, but as long as you continue to use paypal,
    You are subject to any rules, restrictions, and changes they decide to apply to you.

    Nice huh ?
    Not.
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  • I’m GAY :)
    the thing is that everyone uses paypal i would use something else but its just that when selling or buying everyone has paypal it just becomes a pain to find someone with another system let alone making the person get it
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  • This happened to me too. I used one of those prepaid gift card things because I don't have a real credit card nor do I want one. It worked for a while and then stopped for no reason. Support gave me the same "lol i dunno" reply as everyone else got.

    Remaking my account and even using a new card didn't work.

    What makes me madder is that my buddy has the same setup (he's the one who gave me the idea to use the prepaid card) and he can still use IT just fine. I felt like Paypal was out to troll me in particular until I saw this posted here.

    I mainly use it to buy games off Steam and this sucks because they have a lot of great deals on that only last a weekend or sometimes even less.
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  • I’m ---I've had enough.
    Yeah man,

    Its bs.

    Some they allow fine. others (even long time loyal customers) they are screwing.

    I had 3 accounts.
    1 for my business, 1 for my personal, and 1 for my partner.

    I have closed down the business one, and my partner's one.

    And will soon be closing down my last account.

    Paypal wanna scr3w me.
    F them.

    I will make my payments by other methods and will no longer be accepting paypal on anything i sell.

    Good luck to the a$$holes.
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  • It happens when they check your CC as the alternate funding source, if they fail you are denied the "instant" transfer option.

    Go into paypal and remove all bad or expired CC and the problem should resolve itself within two to four weeks.
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  • I’m still annoyed.
    thats not true.

    My cc has never failed and neither has my missus.

    Both our cards are valid, and have been for years.

    Its just paypal, not the customers fault.
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  • Try PAYMATE.com for payment processing even when selling on ebay, its an approved payment source. After seeing my ENTIRE family either suspended, asked to verify their identity, or get accounts frozen at paypal for NO LEGAL reason, I have never signed up with them. We all switched to merchant accounts, echeckit, and paymate without any holds, freezes etc. Paypal acts like a socialist bank truly - this is crazy that in this time and age they get away with this . they claim they are not overseen by the fdic or the US banking laws, so they can hold your funds as long as they like, without true just cause. Note they do so much longer than any bank, and require as much information as it takes to refi your house (well, almost), and still they have a long record of suspending a sellers funds and or accounts without solid proof. Never once, did they ever send any documented letters with valid legal documentation to prove why they were right in withholding funds, ever. Not to one, single paypal account holder. Its interesting, that they get the interest off these 'held for suspicious activity' accounts! hmmm. A down and dirty way of gaining some extra cash? All I can say is, I have seen them put too many people thru hoops, and for what? I will never, being an American and Patriot, allow anyone to ever freeze my livelyhood just because they 'feel like it'. If you do not like the way this supposed 'service' is treating you then switch. All I can say in closing is I am glad I never signed up after hearing these terribly unfair business practices.
    They are supposed to be a SERVICE, not an oversight committee nor judge, on how people spend there own money, or receive it for that matter. If there is no history of fraud (SOLID PROOF) via paypal with these people, then Paypal should not be allowed to do this. Any bank that did, would be out of business. My question is, why anyone tolerates it? If you were sold a lemon car, you would sue. If a bank held your funds for 1-6 months, you would sue or report them.....Bad reps are bad reps, and paypal has the worst I have seen.
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  • I’m frustrated
    hi i'm having the same problem. i just called paypal and they told me it was some automatic fraud check theyre doing and it should be fixed soon. they told me it should be fixed next time i make a transaction
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  • I’m still the same.
    Hi Safsd Fsdafsad,

    Will be interesting to see if they do fix it or are just talking crap once again.

    Please let us know how you go Safsd Fsdafsad and if it will let you use instant for your next few purchases.

    thanks.
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  • I’m pissed
    yeah. then froze my instant transfer too... i made my paypal account october of '09 an put a prepaid visa card on the account... then i got setup with my bank i added my bank account bumped it up to premier... now its april 3rd of 2010 an until about a week ago i had instant transfer! WITH AN OLD PREPAID GIFT CARD AS SECONDARY FUNDING!!! i do NOT have a CC as im only 16 but anyway... i called paypal they told me the same thing im seeing everyone else say. "its the system - we cant do anything about this" my question to the women on the phone was if you cant fix a problem with your system what if it decides to go mad an freeze everyones account? she said im sure that will not happen. i said how do you know? you cant fix the small bugs it has now what makes you think you can stop it if does freeze everyones account? an as far as im concerned your not even remotely close to authorizing a decision that reflects the paypal system! let me speak to your supervisor. then she hung up on me! but if i ever decided to find some loophole in the paypal agreement an sue them they would say im underage an have no authority on my own money i rightfully earn. so its probably best i keep my mouth shut an my problems to myself...

    hope you get your instant transfer enabled bruno! good luck!
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  • Same thing just happened to me. PayPal's security system has blocked my access to instant transfer, but no one at PayPal can explain why or do anything about it. I've had a personal account for 10 years and never had a problem until today. My account is verified, I have a back-up funding source, and PayPal says there is no problem at all with my account. It's just that their computer has detected some "pattern" that indicates that my transactions might be "risky," despite the fact that there has never been any problem in the past (I've never had a payment reversed in 10 years). They admit that this happens to people all the time for no apparent reason (i.e., only the computer knows!), and the best they can do is to say "wait a few days and try again"!
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  • This reply was removed on 2012-01-28.
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  • ah HA! i have solved this problem everyone has. Log into your paypal account, go to profile then click more options. then scroll down and click close my account. Problem solved. F Paypal.
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  • Same problem. Apparently there's no solution. Awesome. Anyone have any other online payment services that support instant bank transfers, so I can ditch the shit-tacular failboat that is Paypal?
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  • You guys are funny! The "instant transfer" feature works like a line of credit: the money is paid in advance, BEFORE your bank account incurs the debit. The PayPal is taking a risk on these transactions and it has sole discretion to authorise it or not! You're not "entitled" to be trusted that you're gonna pay up after the PayPal sends actual hard cash on your behalf. You can always add funds to your PayPal account from you bank account (takes about 3-4 days) and then use those funds for "instant transfers" all you want. You can also apply for a PayPal credit card or use one of your own to fund any transaction without revealing your personal info to a merchant, how cool is that? You people should stop dogging PayPal because it tries to protect itself from potential fraud, they are not doing it at YOUR expense!
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  • Then why did PayPal make the exact same transfer (same amount to the same recipient) every month for half a year before deciding one month that it was risky and then deciding the next month that it was OK after all? Totally arbitrary. I think something actually went wrong with their top-secret algorithm, but they fixed it, because I have not had any problems since. PayPal had no REAL reason to question my transfer. For the record, you're funny, too.
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  • Maybe you had other transactions pending on your account or your recipient had something going on on their end? In any event, PayPal is not obligated to front you the money under any circumstances, you don't even have a "credit" agreement with them. People should consider an "instant transfer" a convenient bonus, but always be prepared for the alternative. Don't count on things that are not owed to you. Even credit cards can cut their customers off at any moment. Get the funds to your account first and then spend them, don't EXPECT an instant gratification at PayPal's risk.
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    • t usually takes 3-4 business days for paypal to take money out of your account. So when you buy something off of ebay lets say and it does an instant transfer, they are essentially "giving" you a loan until the money is taken out of your account.I just bought something today as a matter of fact and did an instant transfer...my item shipped within 10 mins because of PAYMENT SENT TO SELLER,,,,not because they already took it out of my account. That means paypal ..."FRONTED" me the money.... If the money is NOT in you account....guess what ....PAYPAL is STUCK with the funds. I know this for a fact because I use to work for paypal and my brilliant sister thought she could go on a shopping spree on ebay and used instant transfer many times (over one thousand dollars more then what was in her account) and when it was all said and done....she had a lock out with paypal and a negative balance..So Ron....dont give the wrong information if you do not know the policys. It is a "loan" and Paypal does have to protect theirselves also.

      Resources: myself an ex paypal employee that is retired
    • Wrong: despite PayPal's claims, most of these bank transfers ARE instantly available -- there is NO "loan" aspect whatsoever. PayPal merely claims otherwise because, by sitting on the funds, it earns a few days of free interest; multiply that by millions of transactions, people. Besides, these holds are initiated even when, say, Visa network debit cards are used....the SAME cards that are treated as cash by the corner store -- and I don't think the corner store is loaning me money for a quart of milk. Further, these cards are backed by Visa or Mastercard; it's not likely PayPal is loaning these networks cash! Even with true eChecks (i.e., ones not backed by credit are credit-network debit cards), funds availability is immediately queried before the eChecks are issued; this query, in turn, automatically places a hold on the corresponding funds (precisely the same as when actual checks are run through a scanner at a store; hey, it's the 21st century, people) -- no "loan" required. This comment and the ones by ignata are just a bunch of corporate apologiscism; they presume there isn't money in the users' accounts in question. Again, this issue happens when there IS instant payment back-up already in place. Resources: myself as an expert in business law.
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  • No, I had no other transactions pending, and the recipient had nothing "going on"; he uses PayPal only to receive funds from me. And the identical transaction went through the next month with no problem, as it had for several months previously, despite NO circumstances having changed for either me or the recipient. The PayPal CSR acknowledged that their algorithms DO block perfectly safe transfers from time to time, for reasons as innocuous as the dollar amount exactly matching that of someone else's recent fraudulent transaction. There was NOTHING about my transaction that SHOULD HAVE triggered an alarm, but it did anyway. PayPal acknowledges that this sometimes happens, and says that they are not able (or allowed to) offer any explanation, because explanations would provide clues as to how their algorithms work.

    More recently, I was not able to make an instant transfer for an eBay purchase, but in that case, PayPal was able to tell me that all instant transfers to the seller's account had been blocked.

    Of course PayPal is not "obligated" to provide instant transfers, but if their proprietary and top-secret algorithms too often "catch" perfectly safe transactions and block them with no real-world basis, and PayPal is unable or unwilling to offer any explanation, it destroys the user's confidence in PayPal as an on-line payment solution. I have also helped two nonprofits set up PayPal accounts and implement them on their websites, and if similar totally arbitrary denials of transfers occur, it will damage the organizations' public relations, through no fault of their own. I have had no further problems with instant transfers, and neither have my clients, but the fact that this happened to me even once has undermined my confidence in PayPal.
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  • can i still transfer my paypal curency if my creditcard has expired?
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  • This credit card has been disabled for security reasons..i always this problem when im trying to donate something on my online games!..

    help please
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  • I’m frustrated
    Paypal instant transfer problem still exist. I thought it would be a nice feature to have on my phone however it does not work. When I called the customer service number that responded like they have never heard of this problem before. However, I see that a lot of people are experiencing the same thing. What a big disappointment.
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  • My paypal account is locked more a year ago, in my account have $1,700, but paypal don't allow me withdraw :-(
    I don't understand paypal what do they want :-(
    They want my money ?
    Paypal is a thief company no more !
    my paypal is pricehope@hotmail.com
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  • i got pay instant bank transfer locked up for 2 days now, when i rang paypal, they don't give me a shit too.
    She just kept say it's our internal system security, determine bank transfer is not safe.....and she kept repeat.....she doesnot liten to me......i am so angry too
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  • What a dumb fucking company. Yes, as that one guy said, they're doing it to protect themselves. What he doesn't seem to realize though is that it's sounding alarms and determining peoples' trends to be "risky" for NO reason, which is losing them business, and pissing off their customers. And, as many other people said, the employees don't know how to fix it, and they don't care. If Google Checkout supported my debit card I would switch to it in a heartbeat.
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  • On a similar note, my TD bank account was suddenly closed without my knowledge a few years back. I got a letter and a check from them, and when I asked why, they said their system decided that since I had never left my hometown area in Canada for 15 years, then suddenly started using the debit card all over the west coast USA (I was on vacation) that I was putting them at too great a risk. Apparently banks and CCs would like you to advise them in advance of any travel plans. How thoughtless of me!
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  • I’m Frustrated.
    Meh. People are...nerve racking, sometimes. Paypal needs to get their act together and so does your TD Bank @Ron.

    I've been using PayPal for years, and all of a sudden it freezes my instant transfers. As far as PayPal's employees commenting here with their two-cents goes? Instant transfer isn't them fronting us anything. The amount is always debited the same day for me, so they aren't fronting me a dime. Your point is invalid and goes against the definition of 'instant transfer'. PayPal 'does' owe us because we're the ones who give them business. We're the reason they're running. So, who are you to tell us that PayPal owes us zilch? Piss off!
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  • It usually takes 3-4 business days for paypal to take money out of your account. So when you buy something off of ebay lets say and it does an instant transfer, they are essentially "giving" you a loan until the money is taken out of your account. If the money is NOT in you account....guess what ....PAYPAL is STUCK with the funds. I know this for a fact because I use to work for paypal and my brilliant sister thought she could go on a shopping spree on ebay and used instant transfer many times (over one thousand dollars more then what was in her account) and when it was all said and done....she had a lock out with paypal and a negative balance..So Ron....dont give the wrong information if you do not know the policys. It is a "loan" and Paypal does have to protect theirselves also.

    Resources: myself an ex paypal employee that is retired
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  • @ Jen.. maybe banks are slower in the USA... as I stated in my reply which someone flagged for removal, so long as I make a payment before 3PM Pacific time, the money always comes out of my account at midnight that night (or morning if that's how you look at it). So if it is a loan, then it is a loan of less than 24 hours so they would have to be careful using that term since loans of such short duration are ILLEGAL under anti-loan sharking laws. But since Paypal also requires a back-up credit card to enable instant transfer in the first place, they are already mitigating their risk, so random reductions in service only hurts their customers and hurts Paypal too.
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  • FYI, here in Canada, It takes them generally 2-4 days to actually withdraw money from my bank account.

    I understand that they do not owe us the 'fronting of money' service, but if they offer it, they should ensure it works. Otherwise, post a big notification that they are no longer offereing it and remove the expectation - customers get angriest when expectations set by a business are not met, and errors are not explained and fixed.

    What pisses ME off is the times (just yesterday actually) that Paypal has taken money from a credit card I have NOT set as primary instead of one that I HAVE set as primary OR INSTEAD OF TAKING IT FROM MY BANK ACCOUNT which IS set as my PRIMARY METHOD FOR payments of EVERYTHING with two CCs as backup ONLY IF FUNDS ARE NOT AVAILABLE IN MY BANK ACCOUNT, as the PAYPAL AGREEMENT states...

    I hate having a non-primary credit card pushed over the limit by Paypal billing to it, instead of adhering to the agreement they make with me by ALLOWING ME TO SET A PRIMARY METHOD OF PAYMENT and a PRIMARY card and a PRIMARY bank account.
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  • Precisely, Teralee. ignatka suggests that PayPal "owes" us nothing, almost as though it is doing us a favor and that we should be grateful for it. Quite to the contrary, WE PAY PAYPAL'S SALARIES! That company isn't in it for its health; no, PayPal processes our transactions because it makes MONEY off of each of them. To my mind, that entirely justifies our requirements for timely, consistent and transparent service.
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  • I've been a loyal user of both eBay and Paypal since 2002.
    That's TEN YEARS of supporting both of their businesses..
    I had 2 bank accounts and 2 checking accounts linked to Paypal.
    [1 business and 1 personal]

    I decided to switch my 'primary' bank account from one to the other..
    1 account was deleted from Paypal, the other was reinstated..
    Paypal sent funds, I re-confirmed, business as usual..
    Or so I though..

    Later that day, I made 3 purchases and paid using Paypal..
    Items where shipped. Several days later, I receive multiple e-mails
    stating that all 3 transactions where denied, and payments defaulted to credit card
    .
    After 8 calls to Paypal, deleting and re-entering my bank account info, etc..
    I find out that Paypal was still using my DELETED bank account info to try to process funds!

    (They never fully removed the old account information from their system)

    So, its been over two weeks (as of today) 3 more calls where made,
    and they're telling me 'nothing can be done'!
    My 'correct' / 'listed' / 'primary' bank account has been frozen since it is linked to the same bank that (obviously) denied the transactions previously mentioned..
    *Bank account - Frozen*
    No option to use my previously usable bank account..

    Paypal is 100% at fault, yet takes absolutely no steps to resolve the problem..

    I am sick and tired of these call center imbeciles:
    1] Not speaking fluent English..
    2] Not having the ability to comprehend the problam
    3] Not knowing how to answer a simple question
    4] Reading from random cue-cards..

    "This issue has been escalated"
    "All functionality will return within 24-48 hours"
    "Blah blah blah"

    Yet again.. Paypal is f**king over another loyal user,
    and could care less about resolving the issue, or even pretending that they care!

    Unbefuckinglievable..

    Sam -

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