this post was submitted on 30 May 2025
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Story time: I have a side business selling web optimization services. UX, AB testing, etc.
I got busy and didn't take my money immediately after completing a few projects and one of my clients complained to Paypal about my service. My account was immediately locked and it took me at least 3 months to get access back to my account.
They basically had 15k of my money, interest free for them to play with even tho the contested amount was $500. I ended up just eating the 500 just to get access to my account, even tho the client is still using the improvements I made to their site.
So ya, fuck Paypal. Fffuuuucccckkk PayPal.
Not defending PayPal, but I used to work there. They suck but in my experience you woulda lost the 500 of the person had called their card company too. Idk how the bank would have handled the dispute directly without PayPal but they do love holding funds as well
If someone disputes $500 with your bank, your bank doesn't hold your whole $15,000 account while sorting it.
I can only speak for Europe, but your bank won't do shit, even if you claim that you accidentally sent the money to the wrong person, all they do is connect you to the account owner so you can ask them to return the money and if they don't you have to go through court.
Unless you say the magical words "unauthorized transaction"
For card payments reversal is easy, for bank transfer, a lot harder
you can do chargebacks in the UK if you can convince your bank manager you were stiffed
Also credit cards are easier to do this with, it's part of the service
They froze my entire account for 500usd. The rest of the 14500 was from other happy customers.
I use a regular bank for credit card services now and when there is something contested, it's only for the charged amount that is held. Not my entire account.
That’s why I love crypto. No reversals, no bs
Or just use bank transfer. It's the same as paying in cash. Do Americans still have to use third parties to send money?
It’s better, lot less reversals, but you don’t get the anonymity benefit from it and transfers outside your own country get really expensive
I think it depends on what services your bank offers. My bank offers Zelle transactions rather than handing out your checking account number.
Most of our banks have Zelle, which lets us send money from one bank account directly to another. You can to use the associated email address, phone number, or name. I think it shows you the name on the account? I'm honestly not positive as I so rarely use it. But even then you could create a business account. But not many people use it. Most people prefer Paypal, CashApp, or Venmo.
Sounds like PayID in Australia. I find it pretty good and it's starting to get more popular. And yeah with ours you can just set up a new email and link it to an account, then it'll let you choose if you want it to show John Smith or just J Smith when someone sends you money. You can also use a phone number or an ABN (Australian business number).
PayPal is still more popular overall, but I prefer payid for the instant access to the money so I'm glad it's gaining momentum. Nothing but PayPal ever took off over here.
I'm glad to have e-transfers for these transactions in Canada.
I used PayPal for their credit card service.
Well you're gonna love GNU-Taler
soon (tm)
That’s a bit weird, but hey, why not
I prefer the good old Monero :) - but PoW is a bit sad
Most small and medium businesses don't have crypto. They use corporate P cards. So a business would call me if they launched something and the site tanked in sales. 2500 on their corporate card and their problem is fixed.
There is still a stigma for crypto.
Yea it’s mainly for people to people transaction, not really suit for company payments. It’s a lot harder to fill taxes and stuff with it