Why cant i make 'Instant Bank Transfer' payments?

  • Question
  • Updated 1 year ago
Hi,
please can someone help with this infuriating situation. I am a fully verified paypal user with my bank account added and verifed, my debit card added and verified and all the other verification you can have. Now, for a while i have been able to make 'Instant Bank Transfers' when paying for items (mainly from eBay), this is upuntil recently when the option is ALWAYS unavailable, so i email paypal and they advise it is due to their security screening process which picks out high risk transactions! This, apparently is random, however for the last 2-3 weeks i have NEVER been offered this as an option despite the transaction amount, even for 1p!!!! So i phone paypal, they say that despite it happening on every transaction despite the amount it is 'random', obviously not beliving them i try something else, if i go to pay my EBAY fees..guess what...i am given the option, despite them being around £125.00!!! the lady couldnt explain that!!! she hung up on me.... despite what people say on the net regarding instant bank transfer payments, i dont care...i wish to use them as i find them convinent...so jason (from paypal)..please help me!! Ive even written in to paypal, but so far nothing. my paypal username is ebay2009 'at' brookes-mail [dot] com
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Sbro

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  • frustrated

Posted 6 years ago

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PayPal Jason

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Hi sbro-

Thanks for explaining your situation and attempting to resolve this through our customer service channels. I apologize that you haven't received an answer to your question.

You should be hearing from an escalated team within one business day either by phone or email.

Thanks,
PayPal Jason
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Sbro

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Jason, thank you for your reply. Ill await contact and come back to you if i dont hear.
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Sbro

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Hi Jason,

i have heard nothing today!
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Sbro

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ok i have just recieved the following email:

My name is Thomas and I am a senior agent in the UK Customer Solutions.
While I appreciate that you may feel that PayPal has restricted you in someway, I assure you that this is not the case. We will always make you aware of a restriction on your account, and give you every opportunity to respond and work with us to resolve the restriction.

The transaction security model takes many factors into consideration when processing a payment, and unfortunately security reasons mean that we are not given any information about what factors it takes into consideration.
If we knew this information, then the security model would not work.

Mr Brooks, I understand that this may be causing you inconvenience, but it is not our intention to do so. As much as I would like it to be the case, there is no workaround or quick fix for this issue.

I can only recommend using your credit card for instant payments if this option is available to you. The option for Instant transfers may become available to you in the future.
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Sbro

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Jason..i find this, to be frank, a load of rubbish. even when i attempt to make a 1p payment i dont get the option (whats the risk in that!!!) Please, can you look into this further
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Sbro

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recieved another email today:

Thank you for contacting PayPal in relation to not being able to send payments by instant bank transfers. We have reviewed your account and I can confirm that

To provide one of the safest online payment services, PayPal reviews every transaction before it is approved, and occasionally, we must limit funding options or decline a payment.

When PayPal declines a funding option or payment, every aspect of the transaction is taken into consideration, including the merchant's settings and PayPal's statistical models. From time to time, these complex security measures may affect some accounts in good standing. We regret any inconvenience this may have caused you.

Note: If your transaction has been denied, you may be able to complete the transaction using another funding source.

There is no way to override this security system and ensure that you can use instant bank transfer for all transactions.

It is my pleasure to assist you. Thank you for choosing PayPal.
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Sbro

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pretty much the same old stuff really. If this really is your security system, then it is not fuctioning correctly, as it will allow me to make a £200 payment to ebay for fees (strange!!!) huh, but not a 1p payment to a seller!! Explain that. Regarding my settings....what settings would effect this, i am fully verifed, have my debit card and bank account and telephone number all setup and confirmed..ive followed all the rules. whats the problem...Jason??
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Sbro

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Jason.....???
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Darren Evans

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I get exactly the same problem, I have verified stuff coming out my ears (bank account, credit card etc) yet If I try and use instant bank transfer It is always greyed out!
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Khalid

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Same thing in here... I can't even do my daily work because of this!
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j.m.mathewson

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Paypal are a waste of space they are idiots all of them I have the same problem there ****
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Jesse Bryant

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i have the same problem =="
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Susan Helen Bayley

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i have the same problem - i paid with instant payments for years no problem i am a very prompt payer. then paypal say i have to be verified this took 2 weeks, luckily the sellers were very patient. now i have tried to buy an iphone on ebay - i won the item but the seller says he wont accept an echeque - i have tried emailing paypal but this is impossible i want to go back to instant payments and receive the goods straight away like before
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Xiao

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When I called up PayPal about it, they pretty much said they couldn't do anything about it, because they have no control over their internal security program or whatever.

I just made a new PayPal account and re-added my bank account. If you use gmail, the username+suffix@gmail.com feature works great.
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Beverly

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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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Andre Mc Ateer

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Paypal going to lose customers over this ill bet.
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mike

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just had the same problem found this whilst googling an answer ive won an item and cant pay for it, no pre-warning nothing ??

with 160 odd +ve feedbacks this is looking like being my 1st -ve
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lox2k9

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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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Spider

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Why I cant Use Bank account instant transfer or use credit card for my PAYPAL PAYMENTS ????

please answer me that why I cant use instant bank account transfer to pay to my sellers in paypal
there is only one option avaialable during payment from paypal :
Pay through ECHEQUE
it take atleast 5 days for ECheque to clear

I have already added credit card and bank account in my paypal but still not any other funding option is avaialble

please help me ????
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Beverly

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I finally gave up and closed my paypal account and opened another one. Had to go through the whole process of verifying my credit card and bank account but it was worth it! I was able to do my xmas shopping using my bank account with paypal.
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Chantalle Carroll

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see this just goes to prove that what paypal and ebay customer service are using for their excuses are a load of crap... i'm getting really sick of this problem... used instant transfer for 4 years without a single problem and now my measley purchases of under ten bucks from ANY seller in ANY damn country are ALL high risk? GIVE ME BREAK!!!
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lox2k9

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Good for you Beverly,

Some times you just have to do what ever it takes when dealing with a company who dont care about helping it's customer.

I guess from some companies, the whole, thats the way it is and we're not will to do anything about it !, means more than the people who are keeping them in business.
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Judith Keverne

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Yes paypal are rubbish...the latest thing is to hold on to refunds from sellers,they say that my instant bank transfer takes 7-9 days to clear and that they are actually paying for my items..so if the money is refunded i have to wait for 7-9 days to get it back as they haven't received it from me yet...i don't beleive that an instant transfer takes as long as a cheque or echeque to clear...they are hanging on to our money to make interest to fund the guarantee that buyers will not lose their money as some buyers will not have funds to repay a seller..i have 2 refunds on hold, why after 6 years buying and selling on ebay has this started? that is my next question to paypal..also a seller told me that 5% of his transactions are held in an offshore account for 3 months so as you see they are raking it in...i haven't sold for a while it's getting too scary..judith
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kosaic1

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Same thing going on here. Instant Payments from Bank account are now gone ... after 8+ years of using Paypal .. Verified 300+ times with Paypal, multiple credit cards verified, NEVER had anything declined, etc ... 100% feedback on eBay and the list goes on.

I'm DROPPING Paypal and will find other means to buy things.

Security System ? My A$$ !
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Hope Springs

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Well it doesnt much look like paypal give a shit by looking at this..'Jason' vanished from the conversation months ago...and never came back.
This same thing has happened to me today...Earlier today I made an instant payment from my bank account...a couple of hours I tried to make another...and that option was not available to me...nor can i use my back up credit card. this is a crap way to deal with good customers. It leaves me feeling sick.
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Xiao

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PayPal can't do shit about it, but if you just hang in there, eventually they will re-enable it for you. it took about 2 months for me.