General > General Technical Chat

Yet another PayPal rant... this time, it's terminal

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langwadt:

--- Quote from: james_s on December 01, 2020, 08:42:27 pm ---I don't see the problem. You need to show valid ID to all sorts of entities to prove who you are, every time you buy a beer at a pub you have to show ID here, what's the big deal about showing ID to Paypal?

--- End quote ---

I think the only place I've ever shown ID to buy a beer is in the US

HwAoRrDk:

--- Quote from: james_s on December 01, 2020, 08:42:27 pm ---I don't see the problem. You need to show valid ID to all sorts of entities to prove who you are, every time you buy a beer at a pub you have to show ID here, what's the big deal about showing ID to Paypal?

--- End quote ---

It's about what PP may do with that information aside from verification, and whether and how they store it.

I had to verify my PP account at the beginning of this year, out of the blue after being a regular user for over a decade. I scanned their privacy policies and whatever info they had about the verification process, but was irked to find nothing more than a vague, placatory "we'll handle it responsibly" statement. >:( Begrudgingly went through with it, as I actually urgently needed to make a payment.

Halcyon:

--- Quote from: james_s on December 01, 2020, 08:42:27 pm ---I don't see the problem. You need to show valid ID to all sorts of entities to prove who you are, every time you buy a beer at a pub you have to show ID here, what's the big deal about showing ID to Paypal?

--- End quote ---

Having someone view your ID is one thing. However storing a copy is an entirely different story particularly when those copies are no longer in the control of the owner for eternity.

nctnico:

--- Quote from: Halcyon on December 01, 2020, 08:55:02 am ---So, PayPal have finally restricted my account to the point where I can receive money (funnily enough), but not transfer, spend or otherwise do anything with it, unless I send them copies of personal ID (which I refuse to do).

--- End quote ---
That is your problem then. Banking rules force Paypal to have your ID on file. Paypal's customer service may suck big time but they aren't the toy money transfer website they used to be. They probably handle more money than the average national bank of a country.

Halcyon:

--- Quote from: nctnico on December 02, 2020, 09:50:44 am ---
--- Quote from: Halcyon on December 01, 2020, 08:55:02 am ---So, PayPal have finally restricted my account to the point where I can receive money (funnily enough), but not transfer, spend or otherwise do anything with it, unless I send them copies of personal ID (which I refuse to do).

--- End quote ---
That is your problem then. Banking rules force Paypal to have your ID on file. Paypal's customer service may suck big time but they aren't the toy money transfer website they used to be. They probably handle more money than the average national bank of a country.

--- End quote ---

But the thing is, Paypal isn't a bank although they do hold an Australian Financial Services Licence (same as banks, credit unions, credit providers etc...) and have done since 2007.

I still think, regardless of their regulatory requirements, they could have gone about this a lot better, not "give us your ID, we promise to look after it", not to mention they only require ID checks AFTER signing up and using their services.

They might not be the "toy" website they used to be, but I still don't trust them.

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