A Very Bad Paypal Review
Paypal.Com Has Very Bad Customer Service for Businesses
I have used www.paypal.com as a premier user since the year 2005, I have never had any trouble with them up until I upgraded to a nonprofit business account. As a church you do not legally have to file for 501c3 status. That is just a nice bonus of operating a church. The church organization I operate is a Wiccan church the specific name of my church is new moon Wiccan church. This comes with its own problems with out adding complications.
What happened to me while upgrading my paypal account
So I had everything set up to start accepting donations and to offer my classes and sell products that a Wicca practitioner would need. So I looked at the fabulous products that paypal had to offer to accept credit cards and thought to myself I need that.
In order to use those products to have a merchant account I needed a business paypal account. So I thought okay it's free to upgrade my account why not. Because when you're just starting a business we need all the freebies we can get right? Once I upgraded I got a confirmation email that my paypal account had been upgraded successfully. I was so happy so I went to my website http://wiccanchurch.webs.com/ and added my donation buttons etc. Which if you go there right now they have been taken down due to compliance issues which I will explain later. The next day they wanted proof of me having a business bank account in the nonprofit churches name. At that time I did not have a business bank account with printed checks that had my business name on them; all I had was my temporary checks. They also wanted to see proof of me having a 501c3 status letter. Like I said earlier churches are automatically nonprofit which is what the 501c3 letter would prove. To get this "official letter" would have cost me $300.00 which I do not have that kind of money just laying around to prove a status which I have automatically. They also wanted a copy of my articles and bylaws by articles they mean the articles of incorporation which as a church you can type and put in your by laws yourself or pay $500.00 - $1,000.00 to have them done for you.
So I emailed them and explained the situation with my bank information and my bylaws and told them that churches are automatically a nonprofit. The customer service representative told me he would add that information in a note on my account and just to take a picture of my personal account's voided check and email the by laws and place them in a attachment. So I did just that, I emailed them a copy of my bylaws and a picture of a voided check. Same thing they wanted the exact same information that they had asked for the other day. So I emailed them again and called again. I have done this from December 9th 2009 all the way from now December 22nd 2009. I am now down grading my account to a premier account and not ever dealing with their business account set up from www.paypal.com.
The reason why I removed my donation buttons from my website is so that they can down grade my paypal account and once they do that I will have my account back up and running with donation buttons and more. Right now it's against their compliance policy while they down grade my account.
This has been a major pain and a headache.
Published by Samantha Miller
I have been writing since I was 9 years old. I started out writing poems for friends and family. I am now seeking to become a full or part time freelance writer. I have a passion for writing. I found associa... View profile
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3 Comments
Post a CommentI don't know if churches have to have certain licensing or not, but they generally are non-profit. For me, I worked for nearly six years as a secretary for a couple churches. There came a point where I had to take time off for a surgery, ended up "taking" unemployment insurance. The only problem was that I was denied that insurance because churches are considered "tax-exempt" even though their employees are not. Guess that is another problem with working for a church--exempt or not. Suppose someone ought to research and write an article on that aspect of churches? As far as Paypal goes, I would not treat them like a bank. I like what someone else said about not keeping your money (or at least most of it) in that account but rather put it back into the actual bank account as soon as possible. There are still many problems Paypal has that one, whether a business entity or not, need to be aware.
I am sorry but this is entirely your own fault and (for once) I am completely in agreement with PayPal.
A business is a legal entity and there are rules for operating one, most states require a business license and/or tax ID. When you have those you go get a bank account. You have to keep accounts and records.
Rules for non-profits are even more strict. Your church is not a non-profit just because you say it is. The IRS has tightened regulation on churches and charities because so many of them are scams.
PayPal is a money service business. They have rules that they have to follow to stay in business and they state all those rules in their User Agreement.
What makes you think churches are automatically nonprofit? My church had to file for 501(c).