Policy Updates

 

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Policy Updates

 

 

This page informs users in advance of important changes to the PayPal Service, its User Agreement, or other policies. We encourage you to review this Policy Update to familiarize yourself with all of the changes that are being made to the PayPal User Agreement. These updates will be posted at least 30 days prior to their effective date.

 

Amendments to the PayPal User Agreement, with respect to User Accounts in Asia Pacific, certain European and Latin American countries, Middle East and Africa.

Effective Date:  March 29, 2017


PayPal is changing its User Agreement.  The amended User Agreement will be effective as to all PayPal users on March 29, 2017.  We encourage you to review this Policy Update to familiarize yourself with the changes that are being made. The updated User Agreement language effective March 29, 2017, including the changes detailed below is available here and updated Seller Protection here.

YOUR USE OF PAYPAL OR ITS SERVICES AFTER MARCH 29, 2017 MEANS YOU AGREE TO THESE CHANGES.

Clarity in eligible requirements for PayPal Buyer Protection

Changes are made to make it explicit that in order to be eligible for PayPal Buyer Protection, payment must be made for an eligible item and be made from the user’s PayPal Account.

New call-outs as examples of ineligible items under PayPal Buyer Protection and PayPal Seller Protection

New call-out examples of ineligible items under both PayPal Buyer Protection and PayPal Seller Protection are added.

The amended section 7.3 Ineligible Items of PayPal Buyer Protection will read as follows (with amended wording underlined):

7.3 Ineligible Items.  Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:

  • Real estate
  • Businesses (when you buy all or part of a business)
  • Vehicles, including motorcycles, caravans, aircrafts and boats
  • Significantly Not As Described Claims for custom made items
  • Payments on crowdfunding platforms
  • Items that violate PayPal's Acceptable Use Policy
  • For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
  • Industrial machinery used in manufacturing
  • Stored value items such as gift cards and pre-paid cards
  • Gold Bullion
  • Gambling, gaming and other activity with an entry fee and a prize
  • Anything purchased from or an amount paid to a government agency
  • Personal Payments
  • Mass Payments / Payouts
  • Donations
  • Financial products or investments

Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.”

The amended section 9.5 “Items/Transactions not Eligible for PayPal Seller Protection” will read as follows (with added wording underlined):

“The following are examples of items/transactions not eligible for PayPal Seller Protection:

  • Claims or Chargebacks for Significantly Not as Described.
  • Items that you deliver in person, including at a point of sale.
  • Intangible items, including Digital Goods and services.
  • Items equivalent to cash (including, without limitation, gift cards or vouchers).
  • Gold Bullion.
  • PayPal Direct Payments (including Virtual Terminal Payments and Website Payments Pro/Plus payments).
  • Mass Payment / Payouts.
  • Counterfeit goods.
  • Items that are not shipped to the recipient address. If you originally ship the item to the recipient address but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.
  • Donations.
  • Financial products and investments”

New Call-outs as examples of Ineligible items in PayPal Seller Protection for Sellers in Turkey, Israel

The section ”What are examples of items/transactions/cases that are not eligible for Seller Protection for Sellers in Turkey and Israel” will read as follows (with amended wording underlined):

  1. Intangible items, licenses for digital content, and services, in particular:
    • Payments made in respect of financial products and investments.
    • Donations.
  2. Items that you deliver (or are picked up) in person.
  3. Transactions made through PayPal Buy with Mobile or Virtual Terminal (if available).
  4. Claims, Chargebacks and Reversals for Significantly Not as Described.
  5. Items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards).
  6. Mass payments
  7. Gold Bullion

Disputes filed directly with PayPal in the Online Resolution Center

eBay Money Back Guarantee

Changes are to be made to the time period during which PayPal may withdraw funds from Seller PayPal accounts following a successful claim against a Seller under the eBay Money Back Guarantee.

The amended section 11.1 c. will read as follows:

Liability for claims filed under eBay’s Money Back Guarantee program. If you are an eBay Seller and eBay makes a final decision pursuant to its eBay Money Back Guarantee program holding you liable to reimburse the buyer, then you authorize PayPal to remove funds from your Account in an amount not greater than the amount of such claim and remit such funds to eBay.”

Change in description of “Personal Payments”

Previously, “personal payments” was defined as “a payment to a friend or a family member for goods and/or services such as your share of the rent or a dinner bill. Personal Payments may not be used for sending gifts. Personal Payments are not available in most countries.” Following the change, the terms “for goods and/or services” in the definition has been deleted.

Central and Latin America Micro-pricing

Changes have been implemented to clarify and provide for micro-pricing provisions in Central and Latin American countries.

Malaysia specific changes

PayPal has joined the Malaysian Financial Service Ombudsman program and has adapted its Malaysia specific provisions in the User Agreement to accommodate this. Further, a Bahasa Melayu language translation of the Privacy Policy has been provided.

Philippines specific changes

PayPal has recently entered into arrangements with financial services partners in the Philippines to increase the withdrawal of balance options for Philippines users. The User Agreement has been updated to reflect this new facility and clarify where the liability for any losses sit that occur from use by users of these withdrawal programs.

Commercial Entity Agreement

Revisions are proposed to the Commercial Entity Agreement to reflect changes in our credit card acquiring arrangements in Malaysia and the Philippines.

Pricing Changes for Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia and Ukraine

Changes have been made to the following Fees:

  • The Commercial Payments Fees (listed on section 2 of Exhibit A to the User Agreement) applicable to Users in Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco and Serbia will be as detailed below:
     

Activity

Country

Commercial Payments Fee

Receiving Commercial Payments

Albania
Andorra
Bosnia and Herzegovina
Croatia
Georgia Iceland Israel
Moldova
Monaco
Serbia
 

Domestic payments:

Standard Rate:

3.4% + Fixed Fee

Merchant Rate*:

From 2.4% to 3.4% + Fixed Fee

International payments:

See table below.

Fixed Fee

All countries

Currency:

Fee:

Australian Dollar:

$0.30 AUD

Brazilian Real:

R$0.60 BRL

Canadian Dollar:

$0.30 CAD

Czech Koruna:

10.00 CZK

Danish Kroner:

2.60 DKK

Euro:

€0.35 EUR

Hong Kong Dollar:

$2.35 HKD

Hungarian Forint:

90.00 HUF

Israeli New Shekel:

1.20 ILS

Japanese Yen:

¥40.00 JPY

Malaysian Ringgit:

2.00 MYR

Mexican Peso:

4.00 MXN

New Zealand Dollar:

$0.45 NZD

Norwegian Krone:

2.80 NOK

Philippine Peso:

15.00 PHP

Polish Zloty:

1.35 PLN

Russian Ruble:

10 RUB

Singapore Dollar:

$0.50 SGD

Swedish Krona:

3.25 SEK

Swiss Franc:

0.55 CHF

New Taiwan Dollar:

$10.00 TWD

Thai Baht:

11.00 THB

U.K. Pounds Sterling:

£0.20 GBP

U.S. Dollar:

$0.30 USD

 Receiving International Commercial Payments in Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia:

  • The Fee depends on the buyer’s country.
     

Activity

Seller’s Country

Buyer’s Country

Fee

 

Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel,  Moldova, Monaco, Serbia,


Northern Europe*:

Standard Rate:

3.8% + Fixed Fee

Merchant Rate^:

From 2.8% to 3.8% + Fixed Fee

 

Europe I **:

Standard Rate:

3.9%+ Fixed Fee

Merchant Rate^:

From 2.9% to 3.9% + Fixed Fee

 

U.S, Canada:

Standard Rate:

4.4%+ Fixed Fee

Merchant Rate^:

From 3.4% to 4.4% + Fixed Fee

 

Europe II ***:

Standard Rate:

4.7% + Fixed Fee

Merchant Rate^:

From 3.7% to 4.7% + Fixed Fee

 

All other countries:

Standard Rate:

5.4% + Fixed Fee

Merchant Rate^:

From 4.4% to 5.4% + Fixed Fee

 

Fixed Fee

 

See in table above


* Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

*** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland,  Ukraine.

Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria click here. To apply for Merchant Rate click here.

^^ 

  • The Mass Payments/Payout Fees applicable to Users in Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia and Ukraine (listed on section 5 of Exhibit A of the User Agreement) will be as detailed below:
     

Activity

Country

Mass Payments / Payouts Fee

Sending Mass Payments or Payouts

Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia, Ukraine

Domestic payments:

2% of the payment up to a Maximum Mass Payment/Payout Fee per recipient as listed below**.

International payments:

2% of the payment up to a Maximum Mass Payment/Payout Fee per recipient as listed below***.

**Maximum Mass Payments / Payouts Fee for domestic payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia, , Ukraine

 

Currency:

Maximum Fee per recipient:

Australian Dollar:

$16 AUD

Brazilian Real:

R$24 BRL

Canadian Dollar:

$14 CAD

Czech Koruna:

280 CZK

Danish Krone:

84 DKK

Euro:

12 EUR

Hong Kong Dollar:

$110 HKD

Hungarian Forint:

3080 HUF

Israeli Shekel:

50 ILS

Japanese Yen:

¥1200 JPY

Malaysian Ringgit:

50 MYR

Mexican Peso:

170 MXN

New Zealand Dollar:

$20 NZD

Norwegian Krone:

90 NOK

Philippine Peso:

640 PHP

Polish Zlotych:

46 PLN

Russian Ruble:

480 RUB

Singapore Dollar:

$20 SGD

Swedish Krona:

100 SEK

Swiss Franc:

16 CHF

Taiwan New Dollar:

$440 TWD

Thai Baht:

460 THB

U.K. Pounds Sterling:

£10 GBP

U.S. Dollar:

$14 USD

***Maximum Mass Payments / Payouts Fee for international payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia, Ukraine

 

Currency:

Maximum Fee per recipient:

Australian Dollar:

$100 AUD

Brazilian Real:

R$150 BRL

Canadian Dollar:

$90 CAD

Czech Koruna:

1700 CZK

Danish Krone:

500 DKK

Euro:

70 EUR

Hong Kong Dollar:

$660 HKD

Hungarian Forint:

18,500 HUF

Israeli Shekel:

320 ILS

Japanese Yen:

¥8,000 JPY

Malaysian Ringgit:

300 MYR

Mexican Peso:

1080 MXN

New Zealand Dollar:

$120 NZD

Norwegian Krone:

540 NOK

Philippine Peso:

3,800 PHP

Polish Zlotych:

280 PLN

Russian Ruble:

2,800 RUB

Singapore Dollar:

$120 SGD

Swedish Krona:

640 SEK

Swiss Franc:

100 CHF

Taiwan New Dollar:

$2,700 TWD

Thai Baht:

2,800 THB

U.K. Pounds Sterling:

$60 GBP

U.S. Dollar:

$90 USD