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Premier and Business Accounts

Last Update: Jul 09, 2008

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The terms below apply specifically to the use of Premier and Business Accounts through the Service and any related products and services (collectively, the "Premier/Business Service").

In the event that your sales volume or other criteria qualify you for commercial entity status as defined by card associations' Operating Rules, additional terms will apply to your Premier or Business Account. Commercial entities will be contacted by PayPal and will be required to provide additional information and to accept the terms of the Card Processing Agreement.


  1. Account Information. You understand that as part of the legal arrangements and agreements in place between PayPal's acquiring banks, and the MasterCard and VISA credit card associations, that we may, as required, disclose Card-related account profile and purchase behavior information to these organizations for the purpose of eliminating fraud and illicit behavior. In addition to the terms listed above, you further agree that PayPal may access and disclose information about you or your use of the Premier/Business Service when PayPal deems such action necessary or appropriate to comply with the law or legal process, to protect PayPal's systems and customers, or to ensure the integrity and operation of PayPal's business and systems. Unless otherwise prohibited by law, such disclosure may include, without limitation, user profile information (e.g., name, e-mail address, etc.), transaction information, IP address and traffic information, and usage history.

  2. Contact and Refund Information. Each user of the Business Service will be required to input its customer service contact information into the Business Account application upon registration. You agree to clearly identify your customer service contact information, including but not limited to your business name, address, telephone number, fax number and e-mail address. You further agree to update such information to keep it true, accurate, current, and complete. You agree to clearly disclose your refund policies on your website. PayPal may request additional documentation and authorization in writing setting forth the individual authorized to act on behalf of the Business Account.

  3. Taxes. Each user of the Business Service is required to provide its Taxpayer Identification Number (TIN) or other tax identification number applicable to your country upon request. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive and to collect, report and remit the correct tax to the appropriate tax authority. PayPal is not obligated to determine whether taxes apply, and is not responsible to collect, report, or remit any taxes arising from any transaction. As permitted in our Privacy Policy, PayPal may be required by law to report your transaction history to tax authorities.

  4. Account Use. By accepting the terms as outlined in this Agreement and using your Premier or Business Account, you attest that you hold all the necessary licenses to engage in the advertising and sale of the goods and services offered for sale or use through your Premier or Business Account, and that you do not provide unlawful or illicit products or services. You will not use the Business Service, the website or any of the services offered therein for any unlawful, fraudulent or improper activity. If PayPal or its acquiring banks have reason to believe that you may be engaging in or have engaged in fraudulent, unlawful, or improper activity, including without limitation any violation of any terms and conditions relating to the Premier/Business Service, the website or any related services, your access to the Service may be suspended or terminated. You will cooperate fully with PayPal or its acquiring banks to investigate any suspected unlawful, fraudulent or improper activity.

  5. Fees. PayPal's current Fee Pages are for using the Premier/Business Service is posted on the website. Fees are quoted in the currency in which they will be assessed. Users are responsible for paying all fees associated with the use of their Premier or Business Accounts and the Premier/Business Service.

    The following additional fee-based service is available to Business and Premier Accounts:
    • Monthly Account Statements. We make summaries of monthly transaction volume, including payments received, payments sent, fees paid, etc. available to Business and Premier accounts. Monthly Account Statements are an opt-in fee-based service.
  6. Reserve Account in Case of Closure. If you or PayPal close your account, PayPal may retain a portion of any funds it holds in custody for you, based on your transaction history, as a reserve to the extent reasonable to protect PayPal against the risk of future reversals of transactions occurring prior to such closure. PayPal will pay you the balance of any such reserve 180 days after closure.

    When you receive funds through PayPal, if the sender's transaction is reversed because of a credit card reversal and you do not qualify for the Seller Protection Policy for that transaction, you will owe PayPal for the amount of the reversed transaction plus any fees imposed on PayPal as a result of the reversal. You agree to reimburse PayPal from either your PayPal account or by other means as described in the Payments Policy.

  7. Permission Levels:
    1. Eligibility: Business Accounts are eligible for the permission levels feature. Premier accounts are not eligible.

    2. Verification: PayPal may require you to provide additional identity verification information and written authorization on each individual associated with a Business account including the Primary Login plus any Secondary Login. Failure to provide such information when requested will result in your account being restricted until such time as you provide the required information.

    3. Definitions:
      1. Primary Login: the individual who set up the PayPal business account. The Permission Levels feature enables the Primary Login to assign users various access rights to the account. The Primary Login is also referred to as the System Administrator.

      2. Secondary Logins: a Secondary Login is a unique individual who has specific access to a PayPal business account, as determined by the Primary Login.
    4. Abilities and Obligations of Primary Login:
      1. The Primary Login is the only member on the account capable of setting up Secondary Logins with their specific access privileges.

      2. The Primary Login determines which individuals within his or her company or organization have particular access privileges to the company or organization's PayPal Business Account.
        1. The access privileges the Primary Login can choose for each login may include the ability to send money, the ability to make mass payments, the ability to request money, the ability to add or withdraw funds, the ability to cancel payments, the ability to view balances and/or profiles; and/or the ability to edit the profile. The access privileges available to Secondary Logins on behalf of Primary Logins may not include all access privileges available to the Primary Login, such as Email, Account Closure, and Auto Sweep. The availability of privileges is subject to change at any time by PayPal.

        2. The access level granted determines which actions the Secondary Login can successfully complete. If the Secondary Login does not have any access privileges selected, the default access is read-only.
      3. The Primary Login is the only user on who can see all the usernames on the account and the accesses, if any, granted to each user.

      4. The Primary Login has the affirmative obligation to monitor the PayPal Business Account for any unusual activity and to take the necessary action to prevent problems. These affirmative obligations include the obligation to remove usernames of Other Logins and/or to change the access privileges of Other Logins.

      5. The Primary Login may recover their password using PayPal's normal password recovery procedures.
        1. Recovering or resetting passwords for a Secondary Login is the responsibility of the Primary Login. The Primary Login will reset the password in the following circumstances, but not limited to:
          1. Secondary Login forgets password.

          2. Secondary Login locks access to his/her login because of consecutive failed log in attempts.
    5. Abilities and Obligations of Secondary Logins
      1. Secondary Logins must access the Business Account using the username and password generated by the Primary Login.

      2. If a Secondary Login attempts to conduct a transaction not authorized by the Primary Login, he or she will receive an error message indicating that he or she is not authorized to conduct the transaction.
    6. Limitation on Liability: Because the Permission Levels Feature allows more than one user access to a PayPal Business Account, certain risks may be created. You will work diligently to avoid these risks. Under no circumstances shall PayPal be liable to you or to any other person for any indirect, incidental, consequential or punitive damages arising out of or relating to your use of this feature, nor shall PayPal be liable for any unauthorized usage or other damage caused by the Secondary Logins or as a consequence of multiple access to the PayPal Business Account. The Primary Login agrees to indemnify and hold PayPal harmless for any harm that may result from multiple access to his or her account. The Primary Login holds the sole responsibility of determining the type of access to give each Secondary Login, and the sole responsibility to monitor activities occurring in the PayPal account. If any changes to a login's access are needed it is the responsibility of the Primary Login to increase or decrease the access privileges. If any unauthorized activity takes place because of access granted to a Secondary Login, the Primary Login is responsible for the charges and/or losses. By accepting this User Agreement and using the Permission Levels Feature, YOU AFFIRMATIVELY AGREE TO HOLD PAYPAL HARMLESS FROM ANY LOSSES OR OTHER DAMAGE WHATSOEVER INCURRED AS A DIRECT OR INDIRECT CONSEQUENCE OF ACCESS TO YOUR ACCOUNT BY OTHER LOGINS AND YOU AGREE TO INDEMNIFY PAYPAL FOR ANY HARM THAT ARISES AS A DIRECT OR INDIRECT CONSEQUENCE OF YOUR USAGE OF THIS FEATURE.
  8. Auto Return
    1. Eligibility. All Business and Premier Accounts are eligible for the Auto Return feature.

    2. Definitions.
      1. Auto Return. A Website Payments flow where the PayPal-hosted "payment done" page is replaced by a page hosted on your website. Upon the completion of the payment, your customer is directed back to this page.

      2. Return URL. The address of the page that your customer sees after the payment is completed. This URL is required when you turn on Auto Return. You are responsible for ensuring that "payment done" messaging is appropriately displayed on the landing page for the specified return URL.
    3. Your Abilities and Obligations.
      1. If you turn on Auto Return, you must specify a Return URL.

      2. You are obligated to ensure that the landing page associated with the Return URL includes messaging that the payment has been completed. This landing page must provide a good user experience for your customers, including, but not limited to, the following functionality:
        1. The page must be visually consistent with the rest of your merchant site.

        2. The page must state that payment details will be included in an email receipt and may be accessed by logging into the PayPal web site.

        3. The page must not ask your customers for PayPal account information, including but not limited to username and password.
    4. Monitoring of Return URL:
      • PayPal reserves the right to monitor your Return URL. If it is found that you are not complying with your obligations in using the Auto Return feature, PayPal may take any necessary action (disable Auto Return or turn Auto Return off until an appropriate landing page is specified) to prevent problems.