Paypal confusion

soba

Just received this email, addressed to me with my proper name. No clickable links on the email - I've checked my paypal account and there's no payments pending and all items show transaction completed. Phishing?

On a separate note why would an item I've received payment for not be eligible for seller protection on paypal?

Dear xxxxxx,

You have received a Pending credit card payment. However, to reduce credit card processing costs for accounts that do not pay fees, the ability to receive credit card payments is limited to Premier and Business accounts.

If you upgrade to a Premier or Business account, all your Pending credit card payments will be completed. With your upgraded account, you will receive a range of premium features, including the ability to accept unlimited credit card payments.You must pay fees for accepting money with a Premier or Business account. The fees on incoming payments are low - just 3.4% + 0.20 GBP to receive payments. For more details, go to:
http://www.paypal.com/uk/cgi-bin/?cmd=_display-fees-outside

If you would like to keep your Personal account, you may log in and refuse this payment. Personal accounts may still accept payments funded with a bank account or PayPal balance at no charge.

To learn more about PayPal's Credit Card Receiving Policy, please go to:
http://www.paypal.com/uk/cgi-bin/?cmd=_help-ext&exloc=cc_pers.

Yours sincerely,

PayPal

TKPeters

Are you awaiting any payments for eBay items etc?

The content is correct, that any card funded payment will require you to upgrade to premier account.
Its been that long since I upgraded, I cannot remember if the payment does show prior to upgrade.

What is shown on the right hand side [policy updates etc] when you login

hiccup123

soba wrote: »

Just received this email, addressed to me with my proper name. No clickable links on the email - I've checked my paypal account and there's no payments pending and all items show transaction completed. Phishing?

On a separate note why would an item I've received payment for not be eligible for seller protection on paypal?

Dear xxxxxx,

You have received a Pending credit card payment. However, to reduce credit card processing costs for accounts that do not pay fees, the ability to receive credit card payments is limited to Premier and Business accounts.

If you upgrade to a Premier or Business account, all your Pending credit card payments will be completed. With your upgraded account, you will receive a range of premium features, including the ability to accept unlimited credit card payments.You must pay fees for accepting money with a Premier or Business account. The fees on incoming payments are low - just 3.4% + 0.20 GBP to receive payments. For more details, go to:
http://www.paypal.com/uk/cgi-bin/?cmd=_display-fees-outside

If you would like to keep your Personal account, you may log in and refuse this payment. Personal accounts may still accept payments funded with a bank account or PayPal balance at no charge.

To learn more about PayPal's Credit Card Receiving Policy, please go to:
http://www.paypal.com/uk/cgi-bin/?cmd=_help-ext&exloc=cc_pers.

Yours sincerely,

PayPal

Looks like the email I got many years ago. Wording sounds correct. If in doubt you can do 2 things....1, email paypal spoof and as if it's authentic, or 2, sign into your paypal and you may have a similar message there. If you can't find a message there then go to account and check to see details of last payment.....there should be further details there.

soolin

Do you already have an upgraded account, ie do you pay fees to receive money in paypal? If so then it could just be a paypal glitch. If you are expecting money and don't usually pay fees then it sounds 'right' and as long as you do everything through paypal and a safe log in the money will show when you upgrade.

soba

Just checked paypal again and there's no similar message there and nothing about policy updates. The two ebay items I've had payment for both say completed and safe to send item, etc. I haven't got an account where I can accept credit card payments and I'm not expecting any payments from anywhere.
The only thing I've done in the last day is add another email address to my paypal account. Could it be something to do with that?
In the meantime I'll email paypal and see if they can shed any light on what's going on.

The other thing I'm not sure about is both the item's I've been paid for - one £16 and one over £200 both say not eligible for seller protection and I don't know why?

soba

Just spoke to paypal and they reckon that there's unusual activity on the accounts of both buyers and have recommended that I refund their payments and second chance both items. Seems a massive concidence to get two in the same week when it's never happened before. As for the email he thinks it's a spoof as there's no pending payments in my paypal account - credit card or otherwise.