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PayPal Withholding Indie Game Dev's €600,000 Account

epee1221 writes "Markus Persson, a.k.a. Notch, the developer of Minecraft, posted on his development blog today that PayPal limited his account with unspecified cause on August 25th. Since then, payments for the alpha version of Minecraft have continued accumulating while Notch has been unable to withdraw them, and the account now contains over €600,000. PayPal recently told him it may take up to two more weeks for things to get sorted out and that if they conclude that there is funny business involved, they will keep the money." This unfortunate news followed an announcement a few days ago that he and a friend would be starting a studio of their own to continue development on Minecraft and start working on a new project.

775 comments

  1. When is a bank not a bank by Anonymous Coward · · Score: 5, Insightful

    when it's paypal

    Those guys are a law unto themselves, and their dispute resolution system adds new meaning to the word opaque.

    I've had money removed from my account several years back (about £80) and spent 3 months on the phone trying to get it back, granted 2 of those months were talking to my bank (natwest) after being stonewalled by paypal, natwest decided at the end of 3 months to tell me they had no record of me ever making a complaint and that I would need to go to the police.

    I swore off ever using paypal again But here I am, 3 years or so later with a paypal account I use regularly. Not having one is just far too much of a hindrance when it comes to things like using ebay, and paying for minecraft.

    1. Re:When is a bank not a bank by mark99 · · Score: 4, Interesting

      They blocked my account for reasons that were not clear to me, but had to do with being an American living in Germany using a German bank. There was a way to get it unblocked, but it was complicated and not worth my time. I only ever used it for eBay, so I just stopped using eBay.
      They are just stupid.

    2. Re:When is a bank not a bank by Medgur · · Score: 1

      I use it as a Credit Card broker only.

      Each interaction with Paypal goes straight to my mastercard, after which I immediately delete my credit card information from Paypal.

    3. Re:When is a bank not a bank by Applekid · · Score: 1

      The odds that Paypal is actually doing hard deletes of your credit card data is probably pretty slim.

      --
      More Twoson than Cupertino
    4. Re:When is a bank not a bank by TamCaP · · Score: 4, Informative

      PayPal power results from 2 factors. Terrible bank bank transfer opportunities for individuals domestically, and even more expensive ones internationally. In many European countries nobody uses Paypal for transactions. It's either direct bank transfer (many banks offer no-fee transfers to other banks), bank-based payment system or credit cards. Yet in the US (a HUGE consumer market) those options are limited to credit cards, and check / ACH system and PayPal fills that niche just perfectly. It's changing, i.e. SunTrust recently introduced cheap on-line wire-transfers for only $3 / transfer - a big upgrade, as it used to be $25. Yet for some reason, the interbanking system in the US is still far behind what Europe has to offer (except for credit cards - there are definitely more developed here!)

    5. Re:When is a bank not a bank by 0100010001010011 · · Score: 3, Interesting

      I'm on my 10th-ish PayPal account. I NEVER accept money through it. I send a GoogleCheckout invoice. Even for eBay.

      But on Car forums, certain websites, etc, it seems all they accept is PayPal. So I'll use it with a temporary credit card until they figure out I'm the same person as my other locked accounts and lock another one.

      It all started when I sold something on eBay. Turns out it was with a stolen credit card. So they reversed the payment leaving me with a -$600 balance. Which they said was my fault somehow. Then the second account I sold a laptop and has $400 sitting in it 'locked up' until I pay them the $600 in the first account.

      I'm not a violent man, but I could honestly go vigilante on some middle managers at PayPal with a crow bar.

    6. Re:When is a bank not a bank by amorsen · · Score: 2, Informative

      Turns out it was with a stolen credit card. So they reversed the payment leaving me with a -$600 balance.

      I'm not saying that it's right, but the real banks do exactly the same thing. As a merchant, all the risk is yours. The agreements you have to sign with banks (or other credit card transaction handlers) are truly horrendous, but you can't take your business elsewhere, because they're all pretty much the same.

      --
      Finally! A year of moderation! Ready for 2019?
    7. Re:When is a bank not a bank by WillDraven · · Score: 3, Informative

      But at least he is clearly de-authorizing them from using said card and if they do he can contest the charges and/or sue them for credit card fraud.

      It is debatable whether this will do any good in the end but at least it makes it a bit more difficult for them to claim they had his permission.

      --
      This is my sig. There are many like it but this one is mine.
    8. Re:When is a bank not a bank by 0100010001010011 · · Score: 1

      With Google, if they say they've verified the information. I'm safe.

    9. Re:When is a bank not a bank by phantomlord · · Score: 1

      I go one step further, using my card's website to generate a unique number for every paypal transaction I've made. I'll never give them my real card number nor access to my banking accounts. Paypal is a method of last resort and, like the GP, I only use it as a card broker.

      I've read a few too many horror stories involving Paypal and, even with my method above, somehow, I still ended up with a temporary freeze on my primary credit card (through a generated number) when I went to buy the Penumbra bundle for Linux last year.

      --
      Don't leave your mind so open that your brain falls out. Don't close it so much that you cut off the blood.
    10. Re:When is a bank not a bank by 0100010001010011 · · Score: 5, Informative

      Just use temporary credit card numbers.

      Citi Cards has one, so does Discover.

      1 time use numbers. Discovers expire the same month as your normal card.

      Citi Card's expire the next calendar month and you can even set a limit. I couldn't imagine using anything else.

    11. Re:When is a bank not a bank by AnonymousClown · · Score: 2, Insightful

      It all started when I sold something on eBay. Turns out it was with a stolen credit card. So they reversed the payment leaving me with a -$600 balance. Which they said was my fault somehow.

      That was their problem. PayPal was the one taking the credit card and acting as the (very well compensated) intermediary between buyer and seller. PayPal does the actual processing and therefore from the credit card's company's point of view, is the merchant.

      If PayPal is going to charge all those fees for processing (talk about nickle and diming!), I would argue that they should take the risk of fraud. Otherwise, there really is no point in using them, is there.

      --
      RIP America

      July 4, 1776 - September 11, 2001

    12. Re:When is a bank not a bank by commodore64_love · · Score: 1

      >>>I use it as a Credit Card broker only.

      I would do the same but I sell on games/dvds on ebay and PayPal is the only practical option. I always make sure to withdraw the money within a week of when the customers deposit it. Then if there's a dispute the money comes from Paypal's pocket not mine.

      As for Paypal, I guess they never learn. They were sued by several American States earlier this decade, which resulted in Paypal having to give money back to its used (I got ~$70, the second class of victims got ~$250, and the third class of victims were handled on a case-by-case basis). Now it sounds they are repeating the same mistakes. They are not allowed to just arbitrarily suspend accounts and keep the money.

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    13. Re:When is a bank not a bank by Have+Brain+Will+Rent · · Score: 4, Interesting

      Yes. In Canada you can do an Interac email money transfer from most banks for about $1. If the receiver is with one of the major banks they can have the money in their account within minutes of receiving the email from the sender and if they are with one of the institutions not participating in the scheme then they can use a middleman-service and still get the money within IIRC 3 days. There is also HyperWallet which seems favoured by the credit unions and a few of the banks and they provide a similar service... in fact the fastest way to get money into your PayPal account from a Canadian bank is to use HyperWallet.

      I used to use Western Union wire transfers but they have become insanely expensive IMHO.

      --
      The tyrant will always find a pretext for his tyranny - Aesop
    14. Re:When is a bank not a bank by geekoid · · Score: 4, Funny

      The Vogons go into a rage of poetry writing when thinking about Paypal Bureaucracy.

      --
      The Kruger Dunning explains most post on /. http://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
    15. Re:When is a bank not a bank by oldspewey · · Score: 2, Insightful

      I only ever used it for eBay, so I just stopped using eBay.

      Ditto.

      I haven't visited PayPal or eBay in at least a half a decade. My world didn't implode.

      --
      If libertarians are so opposed to effective government, why don't they all move to Somalia?
    16. Re:When is a bank not a bank by commodore64_love · · Score: 1

      >>>the interbanking system in the US is still far behind what Europe has to offer

      Why? Is there some US Government regulation(s) that impede the ability of US banks to setup direct bank-to-bank transfers? Paypal's not perfect but I do like being able to use it to pay with credit card, and thereby gain the fraud protection that credit provides. Also Paypal has a convenient method for us Ebay sellers to quickly run-off postage and ship the sold package.

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    17. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      sounds like a detinue case

    18. Re:When is a bank not a bank by dziban303 · · Score: 2, Funny

      Give me your credit card number, expiration date, CVV code and billing zip code and I'll check to see if it's still in our system. Thanks for using PayPal©!

    19. Re:When is a bank not a bank by vtcodger · · Score: 1

      I've become pretty leary of doing anything financial on line due to the constantly deteriorating security situation. But I will deal with Amazon, Google, and a few others. PayPal? No way. You'd have to be both stupid and crazy to deal with them. If ever there was a company that needed regulation ...

      --
      You can't see ANYTHING from a car, You've got to get out of the goddamned contraption and walk...Edward Abbey
    20. Re:When is a bank not a bank by Guspaz · · Score: 1

      Interac email money transfer forbids the use for any kind of business activity; it's strictly for consumers sending money to each other.

    21. Re:When is a bank not a bank by noidentity · · Score: 2, Insightful

      And yet people who know of their behavior still give them money to store. Why?

    22. Re:When is a bank not a bank by commodore64_love · · Score: 4, Informative

      If the credit card was stolen, then the loss should come out of the credit company's pocket, not Paypal or the Ebay seller. PLUS paypal is supposed to provide seller protection if the item was shipped to a verified address.

      If it were me I'd track down the buyer and demand back whatever product he stole. You have the address.

      ALSO: Those comments that say Paypal is not regulated are flat wrong. There are numerous regulations/laws that cover Paypal, and it was their violations of those laws that got them into trouble with multiple American States several years ago. The judge in the case nullified huge sections of Paypal's EULA as being contrary to these laws. ("Consumers cannot sign-away their rights already protected by state and/or federal law.")
      .

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    23. Re:When is a bank not a bank by fedos · · Score: 2, Insightful

      I think it has more to do with the fact that the banks enjoy charging large fees for things that cost them less.

    24. Re:When is a bank not a bank by Anonymous Coward · · Score: 4, Funny

      If PayPal stole close to $1,000,000.00 US from me and I couldn't get it back through legal methods, I'd burn their fucking building to the ground with them in it. That's more money than a lot of people see in their entire lifetime.

    25. Re:When is a bank not a bank by gmack · · Score: 1

      Interac email money transfer is a phishing attack waiting to happen. The whole system is one giant design flaw and I'm guessing that's half on purpose to prevent you from automating it in any way.

    26. Re:When is a bank not a bank by clong83 · · Score: 1

      I swore them off a couple years ago. I had left my paypal account dormant for some time, but it was linked with my bank account so any charges would come straight out of my bank account. Sure enough, some funny business ensued, and my bank said there was nothing they could do. Everything was authorized by PayPal. So, I called up PayPal who promptly accused me of giving out my password, because of course that's the *only* way that someone could have unauthorized access to my account.

      After much hemming and hawing and going through a more than murky "dispute" procedure, I finally did get my money back. And I closed my account the next day. Mistakes happen, and fraud happens, but I drew the line at them blaming me for the problem.

    27. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      What is even worse, is that now Minecraft will be slashdotted and probably get several thousand more purchases today which the Dev will not see for some time till PayPal gets their head out of their ass.

    28. Re:When is a bank not a bank by node+3 · · Score: 1

      Why? Is there some US Government regulation(s) that impede the ability of US banks to setup direct bank-to-bank transfers?

      Quite likely it's the other way around. Europe is more "socialist" than America much to our (America's) detriment. But no, regulations would deny banks the right to charge $25 for something that Europeans get for pennies, and would lead to "unfair" competition with such upstanding companies like PayPal! Ugh.

    29. Re:When is a bank not a bank by node+3 · · Score: 4, Informative

      ALSO: Those comments that say Paypal is not regulated are flat wrong. ALSO: Those comments that say Paypal is not regulated are flat wrong.

      *NOBODY* is saying that PayPal is not subject to laws. What they are saying is they aren't regulated like a bank, where you can have some reasonable level of confidence that your money is safe.

    30. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      The chip card was invented by a fellow frenchman named Rolland Moreno in a little town in the south of France called Gemenos. We have had bank cards with chips right from the beginning. He had a world wide patent if I'm not mistaken and that is the reason the anglo american world has only offered stripe card until recently.

    31. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Same story here, and the reason posting as AC.

      Tho, i was not the only one money was stolen.

      There was a phishing victim, and that phisher purchased services from me. This was quickly noted, and it was informed to paypal.

      Paypal decided to take that money TWICE from me, and never gave it back to the phishing victim.

    32. Re:When is a bank not a bank by jedidiah · · Score: 1

      In the US at least, any institution that you think is a Bank probably is not. The big players in the
      industry concocted this idea a psuedo-bank that allows them to skirt all of the laws that normally
      regulate banks. I am not sure how they can be still FDIC insured at the point but they are. I guess
      this just demonstrates the power of lobbying.

      Fat cats will find some way of wiggling out of their legal duties and the man will happily go along.

      It isn't just Paypal that's like this. Although they might be the most brazen.

      --
      A Pirate and a Puritan look the same on a balance sheet.
    33. Re:When is a bank not a bank by snarfies · · Score: 1

      This, of course, assumes you have or can obtain such a card. I can't. I cannot get any credit cards due to "age of credit references." Meaning, because I don't have one, I can't get one. So I'm locked out of that world. Probably for the best overall, it hasn't caused me too much trouble in life so far, but...

    34. Re:When is a bank not a bank by Surt · · Score: 3, Funny

      Hah. I suggested paypal had serious problems in another thread and got jumped on by some paypal engineer. Bet he's enjoying this thread!

      --
      "Who is the Journal of Quantum Physics going to believe?" --Stephen Hawking
    35. Re:When is a bank not a bank by Anonymous Coward · · Score: 1, Interesting

      "I only ever used it for eBay, so I just stopped using eBay.
      They are just stupid."

      I use it for more than ebay, but I'm amazed how many times I was going to use Paypal, then found another way.

      My problem is something rather simple, but to me shows the depth of their incompetence. In the past year, my confirmed shipping address went from confirmed to unconfirmed. I had used my home address on PayPal unchanged for nearly a decade without problem, and had it confirmed back in the day when PayPal sent postcards to you, with numbers on them, for you to enter into their system to verify the address.

      Apparently, some idiot at PayPal decided they'd put ALL addresses through a USPS database to see if it matches and advertise this as an additional security measure. They coupled this with a change on ebay as well. So my ebay account was flagged, and I made the suggest change. What was that suggested change, what caused my street address not not match? Where people have things like Drive, I have Hill, and I spell it out because most people are unfamiliar with the abbreviation, and all maps show it spelled out (helps the UPS and FedEx drivers). The USPS abbreviation for Hill is Hl, so that's what PayPal expected.

      Note, it's the same address. I haven't moved. Either Hl or Hil goes to the same place. There is no confusing issue here. Except for PayPal.

      So ebay accepts my change. PayPal also complains, by changing my shipping address to unconfirmed. Fine, whatever, right, I'll just change the shipping address and put it as Hl under my profile. Which I did. PayPal seems to reflect the change; if I check my profile, it shows up as Hl, not the old Hill.

      So I make another purchase. The transaction goes through using the old address and as unconfirmed. This is well over a week having made the change. They won't change it.

      Repeated contacts to PayPal support yields the same crap. They won't fix it. Half the time, they don't bother reading the email in full to understand the issue, they send me the link to the change shipping address on their stupid help pages, something I've already done.

      Now, this isn't a big deal to some sellers. However, a LOT of sellers are sticklers. If the address is unconfirmed, they won't send the item, at all. Or you have to explain what is going on over email, at which point it's still all unconfirmed and they have to take your word for it...which bypasses the point of having a confirmed address system in the first place.

      The result? Besides the bother to me, it's a more insecure system. Sellers become aware of this unconfirmed address situation, and if they do send out packages to unconfirmed address, they become more comfortable with the broken system. Or they don't send the packages out, and PayPal and the seller lose their sale. And people like me, well, I don't like being bothered, so I lose PayPal as a last resort.

      btw, ebay, since they raised fees repeatedly over the years, just isn't cheap compared to other online shopping locations anymore. Self-fulfilling.

    36. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      The question is, was the money they paid on those settlements more or less than what they made stealing money out of disputed accounts? If it was less, they have no reason to stop.

    37. Re:When is a bank not a bank by cawpin · · Score: 1

      Citi Cards has one, so does Discover.

      Since when does Discover have this again? They had it YEARS ago and I used it regularly for online purchases and then they got rid of it. I contacted them about it about a year ago and they said it wasn't used enough to be worth the "cost and hassle" to them. As far as I know, it hasn't come back. I could be wrong though.

    38. Re:When is a bank not a bank by TheTurtlesMoves · · Score: 2, Informative

      One is born every minute. Just look at the above comments... "they took my money but I still use them"... etc. I don't anymore and never will again. Ever. Period.

      If paypal is the only payment option, then you have no payment options as far as I am concerned. There are a few OSS projects where i will donate too as soon as there is a paypal free way to do it.

      --
      The Grey Goo disaster happened 3 billion years ago. This rock is covered in self replicating machines!
    39. Re:When is a bank not a bank by Skal+Tura · · Score: 1

      Uhm, are we europeans lucky bastards used to FREE wiretransfers, including within the EU? :O That's insane

    40. Re:When is a bank not a bank by cawpin · · Score: 1

      Do you wonder why they keep locking your accounts and holding your money? You rolled over and took it the FIRST time and have done so since. You should've sued them the first time it happened.

    41. Re:When is a bank not a bank by Surt · · Score: 2, Insightful

      Probably because in many cases they can't find a better solution.

      --
      "Who is the Journal of Quantum Physics going to believe?" --Stephen Hawking
    42. Re:When is a bank not a bank by 0100010001010011 · · Score: 2, Informative

      https://deskshop.discovercard.com/thincard/thinclient.html

      You might not have a Discover Discover card, but a Discover card issued by another bank.

      I wrote a javascript bookmark so I don't have to sign it just to open another window.

      https://www.accountonline.com/Athena/PageServlet/thinclient.prod.xsl?loginlib=loginlib&issuerid=1&brand=Citi is Citi Mastercard's.

    43. Re:When is a bank not a bank by Applekid · · Score: 1

      That's the thing, though, all these clever tricks don't really do anything to protect you against Paypal or any other kind of theft over what processes you're already taking.

      The person who deletes their card has to understand that, chances are, it's not a hard delete. Yeah, you withdrew payment, that's just peachy. An unauthorized charge is still an unauthorized charge and it makes no difference whether it was Paypal that screwed up or a merchant you freely gave your card number to. If you're generating unique card numbers on the fly, that's great... but I don't see how going through Paypal provides any additional security over just giving that one time number to the merchant. If anything, it's additional exposure of your purchasing history.

      Whenever people start talking about their Paypal strategies, I always wonder why "don't use Paypal" isn't one of them. If you're at the point where you're trusting Paypal less than you're trusting your merchant, sounds like Paypal is just adding a extra, unneeded chef into the kitchen that also happens to be a retarded third grader.

      The only reason why I could see anyone using Paypal or any other digital payment service is if the merchant doesn't have a valid SSL certificate. If they don't have that, what else are they skimping out on? Besides that, when I briefly spent time in hell-- er, web development for small businesses-- I can't even count how many times I had to say "no" to sending credit card numbers in plaintext in the order notification emails. I'll have to imagine that some dudes are actually doing exactly that because they're lazy or just don't care.

      --
      More Twoson than Cupertino
    44. Re:When is a bank not a bank by cawpin · · Score: 1

      No, my card is a Discover Discover. THANK YOU for that link. I guess they just forgot to notify their long standing customers about this. I guess that's why I use Amex mostly now.

    45. Re:When is a bank not a bank by Skal+Tura · · Score: 1

      And the fees are really high in the end. We are forced to in-part of PP fees keep minimum price rather high to cover those fees. It's quite a big figure we have to pay in PP fees per annum. It is definitely one of the major costs associated to our business.

    46. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Looked up IBAN SWIFT/BIC security issues to help judge this. Here's what came up:

      Bank Account Security

      Banks (particularly European ones) take security very seriously and IBAN account details alone are not sufficient to debit, withdraw or transfer funds out from a bank account; they are used solely to credit or transfer funds into bank accounts.

      Some countries with fragmented financial networks, particularly the United States of America, are more vulnerable to myriad types of banking fraud. Anyone can withdraw funds from a US bank checking account by issuing a demand draft using just the account number and bank routing number - information found on every US check, with no signature necessary. Avivah Litan, research director at Gartner believes ID theft will claim 10 million US victims in 2005 resulting in losses of around US$15 billion from 50 million accounts.

      By comparison “victimless” phantom fraud - bad debt run up in the name of non-existent US individuals with phony social security numbers - will hit US$50 billion this year. US banks are so desperate to recruit new customers they will often open accounts on the basis of identification from just a pay-as-you-go mobile phone bill without running proper checks on the validity of supplied ID documents - going against the doctrine of “know your customer” and in violation of the US Patriot Act.

      This is from a site that appears to offer eBay related services.

    47. Re:When is a bank not a bank by Mycroft_VIII · · Score: 2, Informative

      You should always use the correct spelling and abbreviations with any online commerce.
      Spelling out lane or drive or court , etc. can make it difficult if not impossible to accurately locate you.
            If something is being delivered to you and the address is not correct, or the phone number is NOT answered (or long distance) you might not get what you ordered.
            Also your apartment number/letter (or suite or such) is NOT part of the street name. If there is a box for 'unit' or apartment use only it for that.
            A computer is trying to match up your address most of the time and if it can't a human may try to call you to find out where you are.
            Where I work if you don't put in an address the computer can locate we usually call, if no one answers we cancel the order rather than waste time and risk the chance it's a set-up to rob the driver or a prank. All the majors do this in food delivery and most of the small ones.
          If you don't know the correct abbreviation for the suffix then look it up since you are already online.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    48. Re:When is a bank not a bank by tha_mink · · Score: 1

      Do you wonder why they keep locking your accounts and holding your money? You rolled over and took it the FIRST time and have done so since. You should've sued them the first time it happened.

      Sued them for what exactly? Following the guidelines laid out in their Terms of Service? Don't be an idiot, if you use Paypal, you should read the TOS, because they're entitled to freeze your account if they think it's suspicious. Nothing to see here, move along.

      --
      You'll have that sometimes...
    49. Re:When is a bank not a bank by shentino · · Score: 1

      That's what you get when you have a practical monopoly on e-cash.

      Paypal knows that they are the 800 pound gorilla in the room that everyone has to deal with. So they know they can get away with being asses.

      If they had to compete, they'd straighten up right quick.

    50. Re:When is a bank not a bank by Hylandr · · Score: 1

      www.walmartmoneycard.com

      I use it for my paycheck Never get overdraft fee's either. And it works with paypal.

      - Dan.

      --
      ~ People that think they are better than anyone else for any reason are the cause of all the strife in the world.
    51. Re:When is a bank not a bank by sexconker · · Score: 0, Redundant

      Just use temporary credit card numbers.

      Citi Cards has one, so does Discover.

      1 time use numbers. Discovers expire the same month as your normal card.

      Citi Card's expire the next calendar month and you can even set a limit. I couldn't imagine using anything else.

      Xbox Live! doesn't allow these types of cards.
      I'm pretty sure PayPal can block them too, if people start using them enough to piss them off.

    52. Re:When is a bank not a bank by c6gunner · · Score: 1

      Interac email money transfer is a phishing attack waiting to happen.

      I don't think it works the way you think it works.

      The whole system is one giant design flaw and I'm guessing that's half on purpose to prevent you from automating it in any way.

      Ok, I'll bite: what's the "giant design flaw"?

    53. Re:When is a bank not a bank by Trepidity · · Score: 1

      I'm on my 10th-ish PayPal account. I NEVER accept money through it. I send a GoogleCheckout invoice. Even for eBay.

      Unfortunately, that isn't an option for the guy in this story, because he's Swedish, and Google Checkout is only available to U.S. and U.K. merchants. One of many reasons PayPal is still dominant.

    54. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      read the fine print. merchant is responsible for all fraudulent charges.

      You are required to check ID to accept credit cards. When you do business on the internet you assume more risk because you can't check their ID. Do you really think a bank should eat the risk added because you don't check their ID and make sure they belong to the credit card?

      If you checked their ID, they wouldn't be able to use a stolen credit card.

      I'm the last person to stick up for a bank, but the notion that they should be responsible because some idiot loses their card, then you don't check the thief's identity before letting him use it is quite absurd.

      That is part of the risk you assume for enabling convenience for your customers.

    55. Re:When is a bank not a bank by cawpin · · Score: 2, Informative

      Yes, they can lock it but not indefinitely and without explanation. That is theft. A TOS doesn't override the law.

    56. Re:When is a bank not a bank by LordArgon · · Score: 2, Funny

      Go to a bank and ask about your options. After I got out of school and went to get my first credit card, I couldn't get one because I had no credit history and was no longer in the "terrible credit risk" demographic (see the documentary "Maxed Out," btw). Anyway, the bank had a "secured" card in which I prepaid (set my own credit limit with cash) and used it for a year. At the end of the year of responsible use, they gave me my money back and let me keep the credit limit. Now I have a credit history and have since obtained several more credit cards (which I max out and never pay! hahahah.... but not really)

    57. Re:When is a bank not a bank by shentino · · Score: 1

      What's the alternative?

      They act nice just often enough not to lose major business.

    58. Re:When is a bank not a bank by c6gunner · · Score: 2, Insightful

      Ah, yes, its those horrible Fat Cats and their Reptilian Overlords. Down with Capitalism! Free love and free weed are a human right!

      I mean, it couldn't be just a case of there being very little demand for wire transfers due to the pervasiveness of credit cards, resulting in higher fees on a per-transfer basis. No, that's FAR too unlikely.

    59. Re:When is a bank not a bank by toddar · · Score: 1

      Way to stick to your guns...

    60. Re:When is a bank not a bank by hedwards · · Score: 1

      But then you're stuck with a limited choice of providers. I'm going to be curious what Mastercard does now that they've acquired a company with IP in that area. For the most part the institutions that offer it aren't ones you want to be dealing with.

    61. Re:When is a bank not a bank by Dorkmaster+Flek · · Score: 1

      If the credit card was stolen, then the loss should come out of the credit company's pocket, not Paypal or the Ebay seller.

      In a perfect world maybe, but you assume that credit cards are designed to be secure. They're designed to be easy to use; i.e. easy to rack up a huge debt.

      --
      I like to think of online DRM as something akin to a college -- you pay for lessons until you learn something.
    62. Re:When is a bank not a bank by StikyPad · · Score: 4, Funny

      I take it a step further and just use borrowed cards.

    63. Re:When is a bank not a bank by Have+Brain+Will+Rent · · Score: 1

      Sure but that's a huge amount of what PayPal is used for. They don't forbid you using it to pay an individual that you had a private transaction with.

      --
      The tyrant will always find a pretext for his tyranny - Aesop
    64. Re:When is a bank not a bank by c6gunner · · Score: 1

      Then their TOS are illegal. I mean, I'm not sure why you would accept a contract which says that they have the right to rob you, but that's irrelevant - you can still sue them and win.

    65. Re:When is a bank not a bank by StikyPad · · Score: 1

      4219-0762-8008-9602, 10/12, 472, 48169

      Please get back to me ASAP; my great uncle's will stipulates that I have to spend all the money by next week.

    66. Re:When is a bank not a bank by Maxo-Texas · · Score: 1

      You should be able to get a fully secured credit card (you give them $300, they give you a $300 limit credit card).

      You use it for 12 months and voila, you have a credit history. Charge $50 to $100 a month and pay the bill in full each month.

      --
      She was like chocolate when she drank... semi-sweet at first and then increasingly bitter.
    67. Re:When is a bank not a bank by AmigaMMC · · Score: 3, Interesting
      Theirs is a common tactic, they'll block accounts with lots of money so meanwhile they can earn interest. In California there was a class action on this, but because they settled out of court the lawyers got most of the settlement money, not the people, and they can keep doing it because this involves only California. They tried in Australia but the courts shot them down because, unlike in the U.S., in the rest of the developed world governments protect their people.

      I stopped selling on ebay (ebay owns Paypal) over a year ago and don't touch PayPal anymore because of their lack of honesty.

      PayPal must be considered a bank because that's exactly what it does, and follow regulation.

      If you want to see more complaints check this: http://www.my3cents.com/companyOverview.cgi?code=668

    68. Re:When is a bank not a bank by w00tsauce · · Score: 0

      I've lost money at paypal as well. Ha! dispute resolution? They'll just keep the money from both parties. The sad thing is paypal could steal all our money for no reason and it would be perfectly legal. E-commerce companies absolutely HATE dealing with paypal because of so much fraud/shady practices.

    69. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      I have been very cautious. I just started using paypal a month ago for the first time. I would never give them real money, like a money transfer or check, like they recommend you do. Or give them any account info other than a credit card number. Credit cards are unsecured debt, and if Paypal ever bills my credit card for _anything_ that I haven't authorized, I'll just walk away from it if necessary.
      I have had charges against my credit cards in the past that were not authorized. I call the credit card company, and tell them to fix it, and I won't pay it. They usually give you a song and dance about it needs to be investigated and what not, but the bottom line is its their problem, not yours. Just don't give in.
      As for being on the other end of it, receiving money from people, that is tough. I think the first step would be to never let your balance grow more than a couple days worth before you transfered it to a real bank. Leaving 600k in a paypal account is just silly.

    70. Re:When is a bank not a bank by shentino · · Score: 1

      Simple.

      Paypal knows they have market power, a practical monopoly over digital cash transactions.

    71. Re:When is a bank not a bank by Facekhan · · Score: 1

      Yep, I bought some merchandise on Ebay that turned out to be counterfeit and Ebay/Paypals dispute solution was for me to pay to ship it back to the seller and then I would get my money back. When I explained that:

      1. It is nearly as expensive to ship it back as it cost to buy it.
      2. It would be illegal for me to ship counterfeit merchandise back out of the country.
      3. I can prove it is counterfeit.

      They would not change their minds and refund me under their protection policy so with about 1 exception I have never used paypal or ebay since then. I pretty much won't use either service unless I absolutely have to and would rather pay more than use them.

      Basically the only fraud protection policy Paypal/Ebay honors is when it protects them from ever having to pay out.

    72. Re:When is a bank not a bank by hey! · · Score: 2, Insightful

      If the credit card was stolen, then the loss should come out of the credit company's pocket, not Paypal or the Ebay seller.

      Why?

      Being pretty far to the left politically, I'm just about the least likely person I know to have sympathy for a bank, but I just don't see why the bank is responsible here.

      The law in the US limits the liability of the cardholder, who may well be the one most at fault. So it is the merchant who bears the cost. When the fraudster uses a stolen credit card, he is stealing from the merchant, not the cardholder. What the GP is asking is for somebody else to compensate him for having been robbed of $600. I can understand that. A lot of "merchants" these days are consumers who occasionally sell as well as buy stuff off of eBay. It's natural for people who think of themselves as consumers rather than merchants to have a consumer's attitude toward fraud: if I'm honest, then fraud should be somebody else's problem.

      The closest I can come out to this being the bank's fault is that (a) they encourage consumers and merchants to use their services with the assurance that the system is safe and (b) the credit cart companies have opposed laws that would reduce fraud but make using credit cards less convenient. These are rather thin justifications.

      --
      Post may contain irony: discontinue use if experiencing mood swings, nausea or elevated blood pressure.
    73. Re:When is a bank not a bank by Joce640k · · Score: 1

      It all started when I sold something on eBay. Turns out it was with a stolen credit card. So they reversed the payment leaving me with a -$600 balance. Which they said was my fault somehow.

      That was their problem.

      For what he's said it sounds like it.

      OTOH he handled it wrong. When stuff like that happens you should give them a few days to sort it out then go straight to the consumer protection agency (or local equivalent) if it's not going your way. Banks will flat-out lie to you and even lose you as a customer over a couple of bucks, they do it every day. They soon change their mind when they get a whiff of real law/lawyers though.

      --
      No sig today...
    74. Re:When is a bank not a bank by Fjandr · · Score: 1

      Also your apartment number/letter (or suite or such) is NOT part of the street name. If there is a box for 'unit' or apartment use only it for that.

      This is almost universally untrue in the US. Most software is designed to append the unit # field onto the end of the address so that it is formatted correctly. Typically, that format is 123 Street #unit. Invoicing and other automated address systems (and I use a LOT of them) that have a separate unit # field will append it to the first address line in confirmation, database storage, and output. Even if it exists in input, it can be safely ignored since it's irrelevant to the actual data use.

    75. Re:When is a bank not a bank by commodore64_love · · Score: 2, Interesting

      The best part about credit cards is the 3% (or sometimes even 5%) rebate they give me on food, gasoline, hotels. Oh and books. My amazon card gives me 3% off books.

      That adds-up to around $500 rebate each year. Sometimes more if my employer sends me on lots of business travel.

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    76. Re:When is a bank not a bank by cgenman · · Score: 1

      Credit card companies, when it comes to this sort of thing, are Great to the consumer, and absolutely screw over the vendor. This doesn't sound like a Paypal specific issue to me. Credit cards can chargeback for almost any reason, and do so frequently. This doesn't come from the credit card company, but from the vendor.

      It sounds like the payment to the Paypal account was fraudulent and therefore reversed, as happens. Because the vendor withdrew the money from the Paypal account, his account has a negative balance ( 600 payment - 600 withdraw - 600 reversed charge = -600).

      Another way of looking at this, is the thief used false pretenses to convince someone to ship a laptop out to them. The vendor thought there was money in the account, and withdrew more than he had. What he has at the end, is an accidentally overdrawn account that he is responsible for, and a stolen laptop that he should go find.

    77. Re:When is a bank not a bank by randallman · · Score: 1

      Anybody here tried this?

      https://paymentnetwork.intuit.com/

    78. Re:When is a bank not a bank by Achromatic1978 · · Score: 1

      You are required to check ID to accept credit cards

      Really? Show me the merchant agreement that requires ID verification of customers using credit cards. In fact, though (very slightly) tangentially, merchants should be seizing cards that say "Check ID" on the signature strip and contacting their acquirer.

    79. Re:When is a bank not a bank by Anonymous Coward · · Score: 1, Informative

      According to the US postal service, your apt number IS part of the street and should be on the same line.

    80. Re:When is a bank not a bank by commodore64_love · · Score: 3, Interesting

      Why? Because it's the credit card company's fault for making an insecure system. They should be held liable, and maybe that would encourage them to develop more secure systems that can't be swiped so easily. Example: A few years ago I had the digits stolen off my Discover card, probably by the man at the hotel where I stayed. Either he or someone else racked-up $3500 using a fake card at Walmart. Obviously it's not my fault, but neither is it Walmart's fault.

      I guess you think Walmart should be the one to suffer the 3500 dollar loss, but I completely disagree.

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    81. Re:When is a bank not a bank by Achromatic1978 · · Score: 1

      Banks will flat-out lie to you and even lose you as a customer over a couple of bucks, they do it every day.

      True. Most of the time. WaMu bent me over and fucked me over $800.

      My wife had a dispute with US Bank over a $30 fee, and though the bank handled it stupidly, and she closed her account, we then wrote a letter to their Executive Vice President and Chief Credit Officer expressing our disgust with how they'd been willing to write off a 10 year customer over a $30 fee assessed incorrectly (and admitted by them). We heard back from him, personally, a week later.

    82. Re:When is a bank not a bank by c6gunner · · Score: 1

      Really? Where do you live? I've never seen those kinds of rebates around here. I've just got a "cashback" card which gets me about $150 - $200 annually. Although I do have a gas CC which gets me 2 cents off every liter (about 2% with the current prices).

      Also, unfortunately, I'm not allowed to collect rebates or points for business related expenses. One of the downsides of being a government employee.

    83. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Yeah but how do you get the temporary numbers out of your paypal account? I used two of them and they're still in there. If I can't delete them, maybe I can close my paypal account and make a new one?

    84. Re:When is a bank not a bank by commodore64_love · · Score: 1

      >>>We are forced to in-part of PP fees keep minimum price rather high to cover those fees.

      I include the Paypal fees (which are about 1 dollar per DVD or Game sold) into my S & Handling fee. Paypal claims I'm not allowed to do that, but I don't give a fuck. If something goes wrong and nobody bids on my DVD, and it sells for a measly 1 penny, I want to make sure I don't suffer a loss. (i.e. End up paying a one dollar fee for a one-penny sale.)

      .

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    85. Re:When is a bank not a bank by xaxa · · Score: 1

      As I understand it, transfers are free within the Eurozone (or rather, must not cost more than a domestic transfer).

      I can transfer from my British £ account to any other British £ account for free, and I think if I had a € account I'd be able to transfer to any other € account for free, but I have to pay to transfer between currencies.

    86. Re:When is a bank not a bank by xaxa · · Score: 1

      Almost all the electronic transfers I make are for things I wouldn't really want to pay for using a credit card.
      - Personal stuff. I owe someone £50, say.
      - Paying my rent (though many people will set up an automatic scheduled payment for this)
      - Paying all the bills (though many people let the company charge them automatically, by "Direct Debit")

      Electronic transfers usually replace cheques or going to the bank, not cash.

    87. Re:When is a bank not a bank by Anonymous Coward · · Score: 1

      Spelling out lane or drive or court , etc. can make it difficult if not impossible to accurately locate you

      A computer is trying to match up your address most of the time and if it can't a human may try to call you to find out where you are.

      If your address matching software can't figure out that drive == drive, then you got ripped off. If the HUMAN is attempting to interpret the address can't figure it out, I think you need to evaluate your employees for basic intelligence.

    88. Re:When is a bank not a bank by cayenne8 · · Score: 1

      Got a link for info on this?

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    89. Re:When is a bank not a bank by gmack · · Score: 1

      It works exactly how I know it works since I've used it to transfer money.

      The sender logs in to their bank's website and tell it how much money they want to transfer to what email address. The system sends a recipient an email with a link that opens up on Interac's website where you are shown a list of banks where you can select your bank and get forwarded to your bank's website where you can then enter your bank details. After you login (at least on BMO) you are presented with a list of accounts where you can deposit the transfer.

      If you don't click the link in the email you don't get the money.

      The sender's money may be safe from theft but the system is designed around the opposite of good security practice by requiring you to click a link from an email.

    90. Re:When is a bank not a bank by gontech · · Score: 0

      I have a friend with a Citi card describe that feature to me. I looked around Bank of America to see if they had something similar, and it turns out they do. They call it ShopSafe or something like that. But, just like paperless statements, Washington state customers can't use it because BofA is completely inept and hasn't consolidated Seafirst's system since they were bought almost 30 years ago.

    91. Re:When is a bank not a bank by wastedlife · · Score: 1

      If you read the post, they did change it but paypal still lists the address as unconfirmed and will not confirm it.

      --
      Said, "It's just like dice but it's got more sides And it tells me who lives and who dies"
    92. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Shows what you know. Credit card companies don't pay for fraud, the merchants that accept the fraudulent payments do.

    93. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      I swore them off a couple years ago. I had left my paypal account dormant for some time, but it was linked with my bank account so any charges would come straight out of my bank account. Sure enough, some funny business ensued [..] Mistakes happen, and fraud happens, but I drew the line at them blaming me for the problem.

      No offence, but I'm pretty sure that the dangers of having PayPal linked directly to your bank account (and associated horror stories) have been well-known for a lot longer than a couple of years. Were you unaware of this, or did it not strike you as a problem until it happened to you personally?

    94. Re:When is a bank not a bank by node+3 · · Score: 2, Interesting

      Um, no. Americans would be all over that shit.

      And only in America is saying, "hey, a little bit of socialism ain't so bad" is equated with "DOWN WITH CAPITALISM FASCIST ILLUMINATI!" Things don't have to be so black and white. I promise you, in "socialist" Europe, capitalism is doing just fine. That's also why I put socialism in quotes in my initial post.

      As for your reasoning, no. The very fact that PayPal even exists shows that there is demand for something like this. As does online bill pay (which actually sends paper checks if the recipient isn't part of the bill pay system). And don't for a moment think that there's no demand for the ability to send, electronically, cheaply and quickly, money between individuals.

    95. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      It would be illegal for me to ship counterfeit merchandise back out of the country. I can prove it is counterfeit. [..] They would not change their minds and refund me under their protection policy

      Just a thought, but if their response to accusations of it being counterfeit *is* to (illegally) ship it out of the country, couldn't this be used against them legally?
      There's not just the consumer rights issue of them being unreasonable in what they expect you to do to meet the terms of their refund.

      There's the issue that they're basically forcing/encouraging you to do something that's illegal. (*) Wonder if that could be used against them?

      (*) The fact that they don't know for sure that you're correct and/or honest and that it *is* counterfeit is possibly beside the point. I'm assuming that they gave you the advice that would apply *if* the goods were counterfeit.

    96. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Gordon, is that you?

    97. Re:When is a bank not a bank by tombeard · · Score: 1

      You do realize the vendor pays those rewards? They view it as an opportunity fee, but some merchants won't accept rewards cards because they can't afford it.

      --
      The reason we subjugate ourselves to law is to better procure justice. If law does not accomplish this purpose then it m
    98. Re:When is a bank not a bank by c6gunner · · Score: 1

      Um, no. Americans would be all over that shit.

      [citation needed]

      And only in America is saying, "hey, a little bit of socialism ain't so bad" is equated with "DOWN WITH CAPITALISM FASCIST ILLUMINATI!"

      Really? I've been there lots of times, and never gotten that reaction. Are we talking about the same America here? Northern Hemisphere? Just south of Canada?

      As for your reasoning, no. The very fact that PayPal even exists shows that there is demand for something like this.

      Bud, if the banks thought they could put paypal out of business and rake in those kinds of profits themselves, they'd be all over it. I've yet to meet a banker who isn't interest in increasing revenues by $3 billion per year.

    99. Re:When is a bank not a bank by 0100010001010011 · · Score: 1

      Who cares? They're one time use. Literally. Once they get charged once, they don't work any more. Not for the same vendor, not for any other vendor.

      So I buy... a soldering iron on Ebay. I go to paypal. I "add a new card". Generate a new number. Enter it. They charge it.

      If for some reason I forget and try to charge a number I've already used, I get a transaction denied.

    100. Re:When is a bank not a bank by c6gunner · · Score: 1

      Depends on the type. The "cashback" on my main card is paid by the bank, which is probably why it's only 1%.

      Why does it matter though? What do I care who pays it, as long as I'm getting a discount?

    101. Re:When is a bank not a bank by c6gunner · · Score: 1

      Um. A design flaw would be something which limits the usability of the system by impacting performance or service delivery, or creates opportunities for the service to be abused/exploited. "Encouraging users to click a link" is certainly not a design flaw. By the same logic, selling stuff door-to-door has a "massive design flaw" because it encourages people to open their door to strangers. And credit cards have a "massive design flaw" because they encourage people to sign their names all over the place.

      Seems a bit silly.

    102. Re:When is a bank not a bank by kwiqsilver · · Score: 2, Informative

      No information is ever deleted from PayPal.

      There's a credit card table that lists every credit card ever entered into the system, there's an address table that lists every mailing and billing address ever entered, there's a series of tables that list the information for every transaction ever attempted, etc.

    103. Re:When is a bank not a bank by gmack · · Score: 1

      Well lets see what the bank of Montreal says about that

            Always enter your BMO Financial Group web site using your bookmarks or any of our published URLs.
              Review your financial statements regularly for unauthorized or suspicious transactions.
              Never send personal and/or financial information via unsecured email.
              Do not trust email headers. They can be easily forged.

      Paypal and Ebay say the same thing. Don't click on links you get in an email and then enter your login credentials.

      So yeah.. the exact opposite of good security practice. I'd call that a design flaw.

    104. Re:When is a bank not a bank by Nozsd · · Score: 1

      1 time use numbers. Discovers expire the same month as your normal card.

      Discover card's secure numbers aren't exactly one time use they're one vendor use. When you generate number X and use it to buy something from Y, the number is locked into Y and no one else can use it. A little less secure than one time use numbers but a lot more convenient in my opinion.

      --
      When you have finished this cup of coffee your adventure will begin again.
    105. Re:When is a bank not a bank by jabelli · · Score: 1

      I guess you didn't RTFA? He empties it weekly; It's been limited for 2 and a half weeks and has been accumulating sales.

      I guess he'll start emptying it daily if he even continues to use Paypal after this gets cleared up.

    106. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Yep. With PayPal, you're damned if you do and damned if you don't. I've had more than one occasion where they've frozen my funds or even deducted money from my account without my consent. How they've gotten away with this stuff for so long is anyone's guess. They should be regulated just like a bank and shouldn't be allowed to touch a dime of MY money without my express consent. Bastards......

    107. Re:When is a bank not a bank by clong83 · · Score: 1

      Quite honestly, I hadn't really heard much about it. I didn't use PayPal much, so stories about it were never really on my radar. Since I had my bank account linked, I probably should have had it on my radar, but oh well. Lesson learned.

    108. Re:When is a bank not a bank by theaveng · · Score: 1

      Can't speak for C64 but here's the cards I've got:

      Discover - 1% off everything and 5% off hotels/food during the third quarter (July-to-Sept); 5% off department stores 4th quarter
      Chase - 3% off gas, food, drugs; 1% everything else
      AAA credit - 2% off gas plus free renewal of membership every year (worth $50)

      --
      FOX NEWS.com should be BANNED from television and internet. Have the Congress take it over and give us Truespeak.
    109. Re:When is a bank not a bank by kwiqsilver · · Score: 1

      ...except they charge monthly fees, and annual fees, and infinity-1% interest (yes, I'm aware you said pay the bill in full each month, but some people can't make that full payment every month...especially with huge fees). A debit card is a far superior option to a secured card. And as long as you're not on the bank's Do Not Trust This Guy With Money list, you should be able to get one with any checking account.

      If you want to build credit history, secured loans are much better than revolving debt. Buy a car with a tiny loan (e.g. 50% of the price). Pay it off in six months by refinancing it with a new bank. Do that a few times (or just buy a new car every six months), for two years and you'll have a strong credit history.

      You can also open multiple savings or CD accounts with different banks. Those make you look responsible.

    110. Re:When is a bank not a bank by theaveng · · Score: 0, Troll

      merchants should be seizing cards that say "Check ID" on the signature strip

      Why??? I have DEMAND PHOTO ID written below my signature, so the clerk will ask to see my photo. Why should my card be seized jackass? It's MY card. I have the right to control who uses it (me only).

      --
      FOX NEWS.com should be BANNED from television and internet. Have the Congress take it over and give us Truespeak.
    111. Re:When is a bank not a bank by kwiqsilver · · Score: 1

      Chase Freedom Card: 1% - 3% on various things.

      Amazon Visa: 1% - 3% on various things. 3% at amazon, I believe.

      Pentagon Federal Credit Union Visa: 1% - 2% on various things. 5% on gas.

      Those are in the USA, and I notice you're buying your gas in liters, so they might not be available for you. Just one of the many benefits of the dollar destroying inflationary polices the US has had since Kennedy died.

    112. Re:When is a bank not a bank by GayBliss · · Score: 1

      If the credit card was stolen, then the loss should come out of the credit company's pocket, not Paypal or the Ebay seller.

      PayPal doesn't agree. I sold something on EBay, and six months later PayPal charged me for the full amount. They told me the credit card that the buyer used through PayPal was stolen, so I had to pay for it. So I lost the item I sold, plus all the money I received for it, and there was nothing I could do about it. There was no way for me to validate the credit card myself because I was never given the credit card. That was PayPal's job, but I'm the one that lost, not them. PayPal even had the buyer's name, and the comments the buyer made that said they received the item and were completely satisfied. They screwed me over so I deleted my PayPal account and will never use them again.

      PayPal should have been responsible because they accepted the credit card. All I accepted was the PayPal payment.

    113. Re:When is a bank not a bank by oji-sama · · Score: 1

      I mean, it couldn't be just a case of there being very little demand for wire transfers due to the pervasiveness of credit cards, resulting in higher fees on a per-transfer basis. No, that's FAR too unlikely.

      So why are people using paypal then?

      --
      It is what it is.
    114. Re:When is a bank not a bank by c6gunner · · Score: 1

      Yep, both you and "theaveng" are in the US, so as much as I appreciate the responses, they don't help me any :) We have various rewards cards here, too, but the rates are generally crap. I can't even get the Amazon Visa!

    115. Re:When is a bank not a bank by Lehk228 · · Score: 1

      would be nice if the USPS would issue personal delivery codes, alphanumeric strings with certain characters merged (1=I=L=J, 0=O 6=B 9=G=C 5=S 2=Z) that could be looked up in their system by courier companies and used in place of standard format addresses on items mailed through the post office and any company implementing the lookup API, theses delivery codes could also follow you when you move if you want them to, without needing to send updated information to each company that mails you.

      --
      Snowden and Manning are heroes.
    116. Re:When is a bank not a bank by Anonymous Coward · · Score: 1, Informative

      Also your apartment number/letter (or suite or such) is NOT part of the street name

      Except for when the USPS (United States Postal Service) address database includes your apt # on the address line. Then when you try to validate an address with the APT # on a different line or section, it gives you the standard format as "123 FAKE ST APT 1".

    117. Re:When is a bank not a bank by Maxo-Texas · · Score: 1

      Last I heard, you could not rent a car with a debit card- so ultimately you need a real credit card (I am not sure you can rent one with a secured card).

      If you can't charge $40 a month and pay it off in full each month, you shouldn't be using credit. But many people have plenty of money- they just lack a credit rating. Pay off your house and car, don't use credit cards for a couple years and your rating goes all to hell.

      Cars are expensive. If you want a credit rating, then a secured card won't cost you more than the annual fee and those monthly fees (that's new).

      Credit Ratings are based on spending on credit and then paying it off. It's not based on having money in CD accounts- unless it's changed since I last read up on it.

      --
      She was like chocolate when she drank... semi-sweet at first and then increasingly bitter.
    118. Re:When is a bank not a bank by sdnoob · · Score: 2, Informative

      Just use temporary credit card numbers.

      *that* is exactly what we use our paypal account for (and pretty much the only thing).

      unfortunately, paypal has decided to discontinue the popular and convenient virtual mastercard debit numbers (aka the 'paypal plugin') starting september 22.

    119. Re:When is a bank not a bank by Dodgy+G33za · · Score: 1

      Only a fool repeats the same action and expects a different outcome. The only way we are going to change their business model is to avoid using them. If that means also avoiding people that only accept paypal, then do so.

    120. Re:When is a bank not a bank by Achromatic1978 · · Score: 4, Informative
      Jackass? Settle down, poppet.

      That being said, you are wrong on so many levels:

      It's MY card.

      Nice try, but no, it's not. You may wish to actually bother to read the agreement you signed when you opened that account. Universally, you will find a clause that says "At all times, any cards issued attached to account remain the property of [issuing institution] and must be returned upon demand."

      I have the right to control who uses it (me only).

      If anything, you mean the responsibility. I don't think you'll find many rights to using a card. You could authorize additional users, but when you let someone else use your card, you'd be forfeiting any and all protections against liability stemming from the use of said card.

      I have DEMAND PHOTO ID written below my signature, so the clerk will ask to see my photo.

      Again, it's a basic tenet of human maturity and responsibility that we read and comprehend the contracts we enter into. However, evidently, many of us choose not to, and wax indignant and polemic, ignorant of our ignorance. In your cardholder contract, the one you signed, if not also on the card itself, you'll find a clause, "This card is valid ONLY UPON the signature of the cardholder.". In many cases, this emphasis is explicit. Many contracts / institutions will also state that you are not to write CHECK ID on the card.

      That same contract will also state that your issuing institution, and the merchants in its network reserve the right to seize and retain possession of your card, and that the merchant may destroy the card on instruction from the institution. Remember, it's not your property?

      Now, why, may you ask, would they accept a signature on the back of your card, and not "CHECK ID"? Several reasons: 1) what makes you think your average merchant is trained in recognizing counterfeit ID or verifying identity from facial features? (Not that they are expected to be graphologists either, but that's another matter). 2) Some people like to believe that having such a request on their card raises the bar of liability and / or protection for them from fraudulent claims - "Did they check my ID?" - when in fact it does no such thing, after all your issuing institution made no such agreement with you, and in fact you went outside the bounds of your agreement to impart an obligation on your relationship between you and your merchant that has no bearing, weight or merit.

      Don't even bother referring to card-not-present transactions. The merchant pays a higher fee on such transactions, precisely because of the increased risk.

      Don't get your panties all twisted up because someone on the Internet has the unmitigated gall to suggest you actually read the contracts you enter into before mouthing off petulantly.

    121. Re:When is a bank not a bank by FritzTheCat1030 · · Score: 2, Insightful

      but because they settled out of court the lawyers got most of the settlement money, not the people

      Horseshit. The lawyers took the same percentage from the settlement as they would have had they gone to court and won. And that percentage was not a secret amount undisclosed to the people who willingly made themselves a part of the class action. They were perfectly free to go after Paypal on their own if they didn't like the terms.

    122. Re:When is a bank not a bank by MoonBuggy · · Score: 1

      I would have suggested it's more due to their requirement for eBay auctions and their lack of monthly fee for credit card processing. I live(d) in the UK, where interbank transfers are free (and, recently, have been upgraded so that most clear within a few hours) yet all eBay sales and purchases that I make, as well as payments to some smaller companies, require PayPal. I know they suck, and I always transfer money out within 24 hours, but there is definitely a level of lock-in. Using Google checkout exclusively (the only similar service I've noticed in the UK) would automatically preclude eBay sales, and that's a very lucrative market to drop; when I was selling computers in quantity, I considered it worth the risk. For now PayPal are a necessary evil for many, and I don't see that changing unless eBay are forced to drop the requirement for sellers to accept them.

    123. Re:When is a bank not a bank by commodore64_love · · Score: 1

      >>>You do realize the vendor pays those rewards?

      Yeah and they complain about it, but I don't see them offering discounts for cash transactions (because the store pays no fees on cash). If they offered a 1% discount I'd gladly pay cash instead. But they don't so I'll just keep using the rewards card, which so far nobody has refused to accept.

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    124. Re:When is a bank not a bank by qoa · · Score: 1

      I have a lot of issues with the same card. Doesn't with on the Playstation Store is the first that pops in. Every now and then it'll fail me online.

      --
      Every normal man must be tempted at times to spit upon his hands, hoist the black flag, and begin slitting throats.
    125. Re:When is a bank not a bank by Minwee · · Score: 1

      There was a way to get it unblocked, but it was complicated and not worth my time.

      It also involved swallowing.

    126. Re:When is a bank not a bank by mabhatter654 · · Score: 1

      actually, paying the bill every month doesn't work because you CARRY no actual debt. It's one of those things that's not logical to normal thinking but you are really showing them your a good "customer", meaning they'll make $$$ off you.

    127. Re:When is a bank not a bank by TheJabberwocky · · Score: 1

      I recommend lodging a complain with the Better Business Bureau. It takes about 5 minutes online. I've done so in the past will account balance issues with eBay and eBay was VERY quick to correct their issue once they received notice of a complaint from the BBB.

    128. Re:When is a bank not a bank by Jerry · · Score: 1

      Or greedy.

      600K setting in a small fry's account is too much of a lure not to try an strong arm him out of it.

      --

      Running with Linux for over 20 years!

    129. Re:When is a bank not a bank by mabhatter654 · · Score: 1

      but when the banks advertise "zero liability" they need to have a big asterisk telling customers they screw over any merchants your stolen card might have been used at.

    130. Re:When is a bank not a bank by mabhatter654 · · Score: 1

      of course a "real" bank isn't interested in you without deposits about the size of your yearly salary... then you start to be interesting. The rest of us are just there because we need access to electronic money and "our money" is the bank's chicken feed. They put up with it because "we" screw up more and they can trap us in small fees ATMs, overdrafts, overdraft protection and lets not forget Interest, way more than they get from the businesses. But mostly we're there to tie down the mom-n-pop shops so THEY have to be the bank's customers too.

    131. Re:When is a bank not a bank by Have+Brain+Will+Rent · · Score: 1

      And yet your authoritative source (BMO) encourages people to use Interac email money transfers. That seems to imply they must think it's safe. And the user can always easily verify that the link does in fact point at https://gateway.certapay.com/

      --
      The tyrant will always find a pretext for his tyranny - Aesop
    132. Re:When is a bank not a bank by kwiqsilver · · Score: 1

      Somebody with "plenty of money" probably has a checking and savings history with a bank that would trust him enough to issue a normal card with a low ($1000 - $2000) limit. The people going after secured cards are usually the ones who have significant dings on their credit histories (late payments, bounced checks, collections, etc.).

      Credit rating (without violating my FICO formula NDA) is an attempt to quantify fiscal responsibility, specifically, your likelihood to repay a loan, both in terms of capability (i.e. do you have the money), and willingness (i.e. do you want to give them the money). Credit cards are a double edged sword to FICO: they might show that you have been responsible with money in the past, but they also show that you could increase your debt by $X overnight. If X is significant compared to your income level, they'll worry that you might not be able to pay them after a spending spree.

      Secured loans (e.g. cars and houses) bump your credit rating much faster, because they show you can meet an agreed payment schedule, and they don't have the capacity to increase your debt, so they're safer that way. Avoid home equity lines of credit--they're revolving credit.

      Savings, CD, and other low activity accounts show that you are responsible with your money. They also represent a financial buffer that could be used to repay your debt. Their effect isn't huge, but they're basically free points. You score points for multiple accounts (with diminishing returns), and you score more points based on a higher balance or longer account history. Most secured credit cards are backed by a savings account with the issuing bank.

      One card type that we forgot to mention is the store credit card. Some stores offer their card as a branded Visa or MC, but most department stores, Home Depot, Target and others have a standard store account. These are generally easier to get than a Visa or MC; they'll give one to somebody whose credit score is lower due to inactivity rather than bad activity. They also tend to have no monthly/annual fees. The down side is they can only be used at that company's stores and they tend to have 20+% interest rates (but you should pay off any credit card with more than a 3% interest rate at the end of the month). They'll give you the same credit bump as any other revolving account.

      That's what I've learned in a decade writing software at various bank & bank like companies.

    133. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      I spoke with an exec at Paypal while at a security conference, and to sum up the corporate attitude towards the customer:

      Paypal is a fraud detection system that allows payments.

      From the horses mouth, you are not a potential customer you are criminal who might have legitimate transactions to perform.

      Now, understanding that you should see how all of the attitude and response you get from paypal makes perfect sense. Don't trust them, don't keep money in their accounts, and for crying out loud don't use them as a large scale payment authorizer.

    134. Re:When is a bank not a bank by jonwil · · Score: 1

      Here in Australia I can transfer money to any other .au bank account and it costs me nothing. The other guy doesn't have to pay a cent either.

      Sending money internationally is still expensive and difficult though :(

    135. Re:When is a bank not a bank by ScrewMaster · · Score: 1

      actually, paying the bill every month doesn't work because you CARRY no actual debt. It's one of those things that's not logical to normal thinking but you are really showing them your a good "customer", meaning they'll make $$$ off you.

      It's logical ... they want you to carry a balance, month after month, year after year, so they get all that nice interest. If you don't do that, if you pay it off regularly, so far as they're concerned you're using their services for free (although most charge a yearly fee so they can screw the fiscally-responsible people anyway.)

      --
      The higher the technology, the sharper that two-edged sword.
    136. Re:When is a bank not a bank by ScrewMaster · · Score: 1

      And only in America is saying, "hey, a little bit of socialism ain't so bad" is equated with "DOWN WITH CAPITALISM FASCIST ILLUMINATI!" Things don't have to be so black and white. I promise you, in "socialist" Europe, capitalism is doing just fine. That's also why I put socialism in quotes in my initial p

      Dude, stop getting your opinions about a nation of three hundred million people from Slashdot. You know, it's amazing how Europeans of a number of different stripes just lump ALL Americans into this general-purpose catchalll "Fucktard" category. Really, the degree of bigotry and ignorance is just remarkable. So just grow up: America is about the most fractious nation on the entire goddamn planet, and trying to reach any conclusion about us other than that "we generally agree to disagree" about most things is pointless, and makes you look silly.

      --
      The higher the technology, the sharper that two-edged sword.
    137. Re:When is a bank not a bank by ScrewMaster · · Score: 1

      And only in America is saying, "hey, a little bit of socialism ain't so bad" is equated with "DOWN WITH CAPITALISM FASCIST ILLUMINATI!" Really? I've been there lots of times, and never gotten that reaction.

      Thank you.

      Bud, if the banks thought they could put paypal out of business and rake in those kinds of profits themselves, they'd be all over it. I've yet to meet a banker who isn't interest in increasing revenues by $3 billion per year.

      The problem, I think, is that that would require banks to get together, and agree to set up a central funds clearinghouse and associated Web services, and then figure out how to share the proceeds. There are a lot of banks, so that would be difficult at best. Still, one of the big boys like Chase (ugh) or Bank of America (blecch!) could certainly afford to set something like that up on their own. I'm sure they've looked into the possibility, but it would probably just be easier to buy Paypal (like EBay did.)

      --
      The higher the technology, the sharper that two-edged sword.
    138. Re:When is a bank not a bank by Oligonicella · · Score: 1

      That post was the sound of an annoying fly being whacked by a Sunday edition rolled up newspaper.

    139. Re:When is a bank not a bank by Reaperducer · · Score: 1

      I can't speak for every rental company, but Enterprise will let you rent with a debit card, but they put something like $500 on reserve until it's returned safely.

      --
      -- I'm old enough to have lived through six different meanings of the word "hacker."
    140. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Mastercard makes these lovely prepaid things, they have a balance on them, but work just like a credit card when used online. I use em for everything. You occasionally get stuck with odd sums (like a buck something) left over with no good way to take it off, but I count it as a small price to pay for avoiding both paypal and the service fees/interest rates that come with carrying an actual credit card.

    141. Re:When is a bank not a bank by MadUndergrad · · Score: 1

      American Express, Discover, Visa, Mastercard et al. aren't banks, for one. Don't confuse the Bank of the Americas or Wachovia that provides the line of credit. As CC64love said, the credit card companies designed the system. Them being at fault for stolen cards would provide the incentive needed to secure the system they designed. The card holder has enough trouble already with card fraud, and the chump merchant with their $8/hr cashiers can't be expected to tell a fake card from a real one. So tell me why shouldn't the card companies be held responsible?

    142. Re:When is a bank not a bank by Anonymous Coward · · Score: 1, Informative

      There's also been a guy (under the name citricsquid) running heavy damage control in the comments on Notch's blog and the thread on Hacker News.

    143. Re:When is a bank not a bank by dreampod · · Score: 1

      The historical reasoning is that it is in the banks financial benefit to have the cards be accepted everywhere with few obstacles. In order to convince merchants to accept their cards they credit card companies had to agree to cover any fraudulent charges because initially the merchants had no incentive to go to all the trouble involved with accepting a rare new form of payment which (especially prior to wired connections for credit card charges) was subject to difficult to verify forms of fraud. Credit card companies have opposed all reasonable measures to ensure consumers are not being taken advantage of and oppose any changes to increase security for cards if they determine that it makes them more money than they lose (a very different proposition for merchants). If the risk were shifted to merchant overnight we would see every merchant stop accepting signatures as a means of verification for cards.

    144. Re:When is a bank not a bank by Falconhell · · Score: 1

      Better still I use a Visa debit card to which I can transfer funds instantly on line. I only ever have money in the account for more than 5 minutes. I only use PayPal to pay people, never for them to pay me.

    145. Re:When is a bank not a bank by makomk · · Score: 1

      Yep, to the point that banks - especially in the US - have been giving credit to people that they know will never be able to repay it, on the basis that they'll still be able to make money on the huge interest charges and fees. Why do you think they lobbied the US government to make it so much harder to declare bankrupcy, despite the fact that so few people did? Those who are trapped in debts beyond their means to pay are the banks' best customers and they want to keep making money off them.

    146. Re:When is a bank not a bank by makomk · · Score: 1

      Under most countries' law, including US law, a contract entered into for fraudulent or otherwise illegal purposes is null and void. It kinda has to be - otherwise any two-bit crook and scammer would just add a few contract terms and walk away scot-free.

    147. Re:When is a bank not a bank by Kalriath · · Score: 1

      You just tell Paypal to delete them. If they don't, you report them to the authorities and Visa/Mastercard. Even Paypal isn't big enough to ignore the terms of their merchant agreement.

      And besides, it would be ultra satisfying to see Paypal's merchant services revoked.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    148. Re:When is a bank not a bank by Kalriath · · Score: 1

      Wow, that's crap. In NZ, if you know the account number of the receiver, you can just log into your bank's online banking system, punch in that number and the amount, and pay someone for FREE. If the money isn't there instantly, it's there at the next processing window (typically midnight to 3AM next working day).

      And for you americans, who'll call that a security flaw, in NZ you can't withdraw money with just an account number - you need positive (usually photo) identification as well and must do it in person.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    149. Re:When is a bank not a bank by Kalriath · · Score: 1

      If the merchant attempts 3D Secure authentication, they are immediately insulated against chargeback for "unauthorised use" or "stolen card". Even if the card is not enrolled. Most awesome liability shift ever.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    150. Re:When is a bank not a bank by Kalriath · · Score: 1

      Are you forgetting that Visa International and MasterCard International are... wait for it... associations of banks?

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    151. Re:When is a bank not a bank by Kalriath · · Score: 3, Informative

      Ah yes, Enderandrew. I said I had problems with Paypal refusing to offer dispute resolution on one of my sales (via a third party) and he insisted that Paypal is flawless, and it was my processor's fault. Also insisted that any problems can easily be sorted by calling Paypal's "giant customer service centre".

      Suck it, Enderandrew.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    152. Re:When is a bank not a bank by node+3 · · Score: 1

      Dude, stop getting your opinions about a nation of three hundred million people from Slashdot.

      Please quote where I said anything about all 300+ million Americans.

    153. Re:When is a bank not a bank by node+3 · · Score: 1

      Um, no. Americans would be all over that shit.

      [citation needed]

      I listed reasons. That you chose not to quote them doesn't mean you get to completely ignore them.

      And only in America is saying, "hey, a little bit of socialism ain't so bad" is equated with "DOWN WITH CAPITALISM FASCIST ILLUMINATI!"

      Really? I've been there lots of times, and never gotten that reaction. Are we talking about the same America here? Northern Hemisphere? Just south of Canada?

      Yes, the one I live in. I guess you don't get Fox News or Rush Limbaugh where you live. You should be thankful. But do let's make it clear that *you* are the one arguing from a position of ignorance here. A patronizing tone is not a proper substitute for facts.

      As for your reasoning, no. The very fact that PayPal even exists shows that there is demand for something like this.

      Bud, if the banks thought they could put paypal out of business and rake in those kinds of profits themselves, they'd be all over it. I've yet to meet a banker who isn't interest in increasing revenues by $3 billion per year.

      Well, looks like you did quote it (part of it at least) after all. You've countered an actual fact, that Americans use PayPal, with a musing, "bankers like money!", as though they are on equal footing.

      You made the claim that there is no market for inexpensive wire transfers in the US, but PayPal's very existence proves otherwise. As does our Bill Pay system. As does just the simple fact that people write checks to each other.

      Make no mistake, there is demand that is not being met.

    154. Re:When is a bank not a bank by AK+Marc · · Score: 1

      I'm not saying that it's right, but the real banks do exactly the same thing.

      PayPal runs the card. They are responsible for verifying the CCV, the address, the card holder. If the card is stolen, the seller can never know. They don't get the CCV, the card number, the holder's address (not the shipping one, but the actual card holder home address). There's nothing the seller can do. PayPal has all the power, but passes all the risk along. Real banks have different rules. And real banks follow their rules.

      I've had people tell me there's a dispute resolution process, but when I've had problems PayPal has never actually used it. They just take my money and refuse to talk to me. But when I want something, it's only on eBay, and the seller only takes PayPal, then I don't have any options, do I? It's just the cost of selling one's soul to eBay for shiny things. I can't live without the shiny things.

    155. Re:When is a bank not a bank by hitmark · · Score: 1

      Makes one think that the Catholic church's stance against usury was onto something...

      --
      comment first, facts later. http://chem.tufts.edu/AnswersInScience/RelativityofWrong.htm
    156. Re:When is a bank not a bank by c6gunner · · Score: 1

      I listed reasons.

      Liar.

      But do let's make it clear that *you* are the one arguing from a position of ignorance here.

      Nope.

      Americans use PayPal .... Make no mistake, there is demand that is not being met.

      I rest my case.

    157. Re:When is a bank not a bank by AmiMoJo · · Score: 1

      That is exactly the way it works in the UK. If you say a transaction was fraudulent then it is up to the bank to prove otherwise.

      They try to scare you by making you sign forms stating that it wasn't a member of your family and if it was you would provide evidence against them etc, but basically if they can't show that you made the transaction you don't have to pay for it.

      --
      const int one = 65536; (Silvermoon, Texture.cs)
      SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
    158. Re:When is a bank not a bank by bhtooefr · · Score: 1

      That's because their merchant agreements usually don't let them offer cash discounts.

    159. Re:When is a bank not a bank by commodore64_love · · Score: 1

      False. The merchant credit contracts disallow them from charging extra for credit card transaction, but they are allowed to offer discounts for other transactions (cash, check, private store card). Gas stations do it routinely for truckers. ($1.95 per gallon diesel; $1.85 for cash)

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    160. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      Sometimes more if my employer sends me on lots of business travel.

      Wait, I thought you were unemployed? What gives, Troll64?

    161. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      They blocked my account for reasons that were not clear to me, but had to do with being an American living in Germany using a German bank.

      That is rather disturbing to read, considering that I am an American living in Belgium who relies on Paypal to transfer money back to the US on a regular basis. I started doing so because it was cheap, but lately I've noticed their exchange rates have not been so good -- if I can get a halfway decent rate from my Belgian bank then I think paying 25 euros for a wire transfer will be competitive with Paypal (not to mention faster). This just gives me one more significant reason to take my business elsewhere....

    162. Re:When is a bank not a bank by Anonymous Coward · · Score: 0

      What the Hell are you smoking? I think you read far more into what AmigaMMC said than was actually written.

      Please show us all where AmigaMMC says that the lawyers demanded a larger slice of the pie than is normal for the PayPal case....

      Wait, what's that you say? You got nothing? Big surprise.

    163. Re:When is a bank not a bank by mabhatter654 · · Score: 1

      I didn't say not to pay it down, but to carry SOME debt on it. You have to show that you made debt payments, if you pay it off each month, they don't report you ever USED the credit, just that it's open... which hurts you. It makes sense because when you want something like a car you need to have a record of paying off long term balances... you don't demonstrate that paying off your bill every month. That part is not a "trap" it is what "credit" is all about... can you borrow other people's stuff, and then give it back.

    164. Re:When is a bank not a bank by mabhatter654 · · Score: 1

      it's not so much that they give credit to people that can't afford it (although that was the case) the bigger problem is that they have used the inter-state bank mergers as a means to gut state usury laws. When I was a teen (say late 80s) it was illegal to have interest or fees that would be more than 18%. Now days getting "just" 18% on any non-solicited card is a joke.

      Most states got bullied into losing their banks, because while states had things like usury laws, nothing at the federal level stopped the inter-state banks from buying YOUR local bank and carrying it off to another state, the choice was change the state's laws or watch your bank accounts walk away.

    165. Re:When is a bank not a bank by Maxo-Texas · · Score: 1

      That's a lot of cool information.

      Thanks!

      --
      She was like chocolate when she drank... semi-sweet at first and then increasingly bitter.
    166. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      I've never seen it done that way, but I've seen the results of NOT putting your unit number in the box for it.
      If the system doesn't have a unique field for it then you have to append it. But every online system I've interacted with has an additional line for the address.
          But treating it as part of the street name is ripe for mistakes, especially considering how common some street names is.
            It's really stupid to ignore it when you have different fields for different parts of an address, if it makes no difference how the info is stored you lose nothing doing as presented, if it does and you ignore the given format you create issues for no reason.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    167. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      I'll admit a lot of software out there is brain damaged like that. To much of it to assume that any random software can figure out you meant ct. when you typed crt or even figure our you live on south lane when you typed in just south, even though there is a south drive across town and a south court two blocks away.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    168. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      There is a separate field there for just the apartment/unit line. And uses it as I said, it fails if you put the apt number in street name but works fine if you put it correct field.
            Multiple sub-elements of a full address may be on the same physical line, such as town and state, but one wouldn't argue the state is part of the town name.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    169. Re:When is a bank not a bank by KDR_11k · · Score: 1

      I don't know if they have similar issues but Moneybookers usually had better exchange rates back when I used them.

      --
      Justice is the sheep getting arrested while an impartial judge declares the vote void.
    170. Re:When is a bank not a bank by amorsen · · Score: 1

      PayPal runs the card. They are responsible for verifying the CCV, the address, the card holder. If the card is stolen, the seller can never know.

      Again, I'm not saying that it's right, but real banks do exactly the same thing.

      If the buyer demands a chargeback or the transaction is found to be fraudulent, they do a chargeback and add an extra fee to the transaction (paid by the merchant). The bank ONLY loses money if the merchant goes bankrupt. In all other cases, either the buyer or the merchant ends up with the loss.

      Paypal offers the merchant pretty much the same deal, possibly even slightly sweeter because there is a chance they'll side with the merchant and they don't AFAIK add a chargeback fee on top of the loss.

      The buyer on the other hand has a dramatically higher risk with Paypal than with a normal credit/debit card transaction.

      --
      Finally! A year of moderation! Ready for 2019?
    171. Re:When is a bank not a bank by AK+Marc · · Score: 1

      Again, I'm not saying that it's right, but real banks do exactly the same thing.

      No, they don't. When I pay Bob with a credit card, he gets my CCV, my expiration, my billing address (if he chooses to ask for it and compare against it) and gets to get an instant authorization from the processing company. Some even have clauses where if you get an authorization, you will not get a chargeback for fraud, as you've verified it was legitimate at the time of use, and the merchant bank, not the processor, will have to eat that cost.

      The buyer on the other hand has a dramatically higher risk with Paypal than with a normal credit/debit card transaction.

      Not if they use a card for the transaction. Then they get all the protections of PayPal (none) and of their credit card. So they have more protections (theoretically) using PayPal funded with a credit card than a credit card alone.

    172. Re:When is a bank not a bank by Fjandr · · Score: 1

      But every online system I've interacted with has an additional line for the address.

      Front-end != back-end. Regardless, as multiple others have apparently pointed out in response to your comment, the unit/apt # is a standard part of the first address line in the US. That it is not a part of the street name is irrelevant. Unless it is a business suite (among certain exceptions), it will be appended to the first line when stored because that is the way it is always used in output.

    173. Re:When is a bank not a bank by Neil+Boekend · · Score: 1

      I used it years back. I had to confirm my bank account number by means of a couple sub-1 euro transactions that confirmed I was the account holder. All cool, seemed secure enough. After the transaction I deleted the bank account number. The next transaction I didn't have to confirm it, because it had already been confirmed. My thoughts: NO IT HASN'T. I deleted that and with that deletion I clearly signaled I wanted the account number deleted. There should be no way to enable it without confirming it because it has been deleted.
      So: No, Paypal does not delete your account number. It just makes it invisible. Even worse: If someone knows you well enough to guess the password (that shouldn't be possible, but still) or hacked your computer and stole the stored passwords they are able to find out your bank account number. This would give them full access to your paypal account, and thus your money.

      There is another security issue they added: Back in the day it was required, with a bank account, to send money to paypal in order to pay something. Nowadays they enabled pulling money from your account. That's the reason I didn't use a credit card, to prevent exactly that.

      Now, combine those flaws: It is possible to hack your paypall account. It is plausible the hacker may know your account number. If it has both it can enable a disabled account and draw money directly from your bank account.

      Even the most perfect complaint system will not be able to get the money back from the hacker. The hacker wins. Paypal loses (more if their complaint system will not give the money back, just the direct amount if they do.)

      --
      Well, I might have a way, but it only works on a semi spherical planet in a vacuum.
    174. Re:When is a bank not a bank by Neil+Boekend · · Score: 1

      Does the account holder know it's "borrowed"?

      --
      Well, I might have a way, but it only works on a semi spherical planet in a vacuum.
    175. Re:When is a bank not a bank by Kalriath · · Score: 1

      Nope. Liability shift only occurs if 3DSecure authentication is attempted. Merely getting an auth is not sufficient.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    176. Re:When is a bank not a bank by Shark · · Score: 1

      unlike in the U.S., in the rest of the developed world governments protect their people.

      You are so naive... People like you are a governments wet dream.

      --
      Mind the frickin' laser...
    177. Re:When is a bank not a bank by Shark · · Score: 1

      If ever there was a company that needed regulation ...

      I think just applying existing laws would put them out of business. The problem isn't lack of regulation, it's lack of enforcement. The cause of such a problem usually can be summed up by this word: corruption.

      --
      Mind the frickin' laser...
    178. Re:When is a bank not a bank by lokmm1452 · · Score: 1

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    179. Re:When is a bank not a bank by Doctor+Memory · · Score: 1

      Does the account holder know it's "borrowed"?

      Oh, they eventually figure it out...

      --
      Just junk food for thought...
    180. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      If you don't put things in the right boxes online things fail.
      If I put my apt number in as part of the street name field my debit card won't be accepted by online retailers because the billing address doesn't match (so that's banks and most online commerce sites that treat it as a unique field).
            Assuming that it makes no difference if you fill a web form out correctly is ok because of assumptions about how it's stored in the DB is just asking for trouble.
            The USPS is amazingly good at sorting out mangled addresses, if you are NOT using the USPS (such as the local food delivery place, or other local vendor delivered goods) fill out your address online how THEY want it or expect issues, the same with using a credit/debit card online.
            Even the USPS treats it as a unique field.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    181. Re:When is a bank not a bank by Fjandr · · Score: 1

      There is no "street name" field. There is "address line #1" and "address line #2". Some input systems include a 3rd "unit #" field, and those that do append it to the first address line. The only time the unit # appears in "address line #2" is if you enter it into the "address line #2" field instead of entering it into the "unit #" or "address line #1" field.

      Again, the USPS treats it as a unique field so that they can process it correctly: by appending it to the first address line. If it is too long, the USPS still places the unit # on the first address line, and places the rest (street # and name) on the line immediately preceding the "city state zip" line.

      Postal addressing standards

    182. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      And here I thought they treated as a unique field so they could accurately deliver the mail.
      My point still remains, don't deliberately fill out online address form differently than they explicitly ask you too and expect it to just work, it often won't.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    183. Re:When is a bank not a bank by Fjandr · · Score: 1

      They do treat it that way for that purpose, so they can format it correctly for people who don't know any better.

      For those that do, the field is irrelevant because they know already which line it goes on and how addresses are concatenated in output.

      As for it not working often, I have yet to see it fail and receive shipments via basically every major service that does business in the US multiple times per month, both originating here and in foreign countries. I've also received lots of incorrectly-addressed mail (the whole "second line unit" mis-addressing is common on manually-produced addressing) that makes it wherever I am just fine.

      The only time it's really an issue is for automated bulk-rate mail, and then the USPS demands that it comply exactly to their specification. Put the unit number anywhere other than on the delivery location line or above it and goodbye bulk rate delivery.

    184. Re:When is a bank not a bank by Mycroft_VIII · · Score: 1

      People who "know better" than the web form they're using to put there address in are usually wrong when it's vendor delivered product. Not all software is so simplistic, some actually uses that info for more than slapping an address on an envelope or package for USPS to deal with.
            Assuming you can fill out an address online other than how it clearly indicates is retarded arrogance, and I have to deal with it daily.
          The field is NOT irrelevant, try using a cc/debit card online when you have a unit number in your billing address, Try ordering delivery from your local delivery food service online and mangling the address like that (and then don't answer your phone for more fun). Just two real world examples I've dealt with.
          Let the software do it's job, don't try to second guess it by putting things in the wrong field and don't complain when you do and things get screwed up because it'll be YOUR fault.

      Mycroft

      --
      https://signup.leagueoflegends.com/?ref=4c3ed6600b6ea
    185. Re:When is a bank not a bank by zevans · · Score: 1

      I think just applying existing laws would put them out of business

      Yep, as with many badly-run businesses. The problem is we as consumers don't do anything about it. Regulators only do things when enough consumers have told them there's a problem, in writing.

      I've seen several posts in this discussion from people who have just let PayPal keep the money, seemingly even if it's in hundreds of dollars. No. If PayPal won't speak to you, go to the regulator. If you can't find a regulator who is interested, report it as theft or fraud to the police.

      I realise the police are also busy people, but when a business gets a followup to a complaint quoting an incident number from the police, it focuses minds. You are unlikely to have to persuade them to prosecute.

      --
      "... and more and more now there are all kinds of electronic goodies available" -- Pink Floyd 1972
  2. This is why... by MrEricSir · · Score: 3, Insightful

    ...it's best to avoid PayPal. Shady business practices, horrible support, and it's regulated even less than an American bank.

    --
    There's no -1 for "I don't get it."
    1. Re:This is why... by Mr.+Freeman · · Score: 1

      That's just the thing, paypal isn't a bank. Because they're not a bank, they're not subject to any kind of banking regulation. Anyone who uses paypal for ANYTHING is a moron.

      If you're a business: get a merchant account to accept credit cards. If you're a regular person: pay with a credit card or check, refuse to use paypal.

      The argument "well, I can't use ebay" is bullshit. DON'T FUCKING USE EBAY. If you refuse to use ebay, they will change their policies. This "They fucked me, but I keep using them" is literally the dumbest thing I've ever heard in my life.

      --
      -1 disagree is not a modifier for a reason. -1 troll, flaimbait, redundant, overrated are NOT acceptable substitutes.
  3. competition? by Anonymous Coward · · Score: 3, Insightful

    PayPal are goons and apparently have a long history of such shenanigans. Why no other more reputable service has challenged them in the e-payment space is beyond me.

    1. Re:competition? by VGPowerlord · · Score: 2, Insightful

      As I recall, Google has tried.

      However, eBay has made it so all payments there are required to go through PayPal. Which would seem to me to be a major misuse of monopoly powers...

      --
      GLaDOS for President 2016! "Well here we are again. It's always such a pleasure." -- GLaDOS, 2011
    2. Re:competition? by Anonymous Coward · · Score: 3, Interesting

      FALSE FALSE FALSE! That would be collusion and illegal. They have been beaten down about this in the past, in other jurisdictions. Please see :

      http://arstechnica.com/old/content/2008/06/australia-calls-shenanigans-on-ebay-paypal-only-policy.ars

      http://www.webpronews.com/topnews/2010/02/26/ebay-paypal-tie-up-draws-complaints-in-germany

    3. Re:competition? by pilgrim23 · · Score: 1

      does ANYONE know of another service ANY service like Paypal but run reputably? I am sure I am not alone in my own personal dislike with these people. I sympathize with Notch.

      --
      - Minutus cantorum, minutus balorum, minutus carborata descendum pantorum.
    4. Re:competition? by Dialecticus · · Score: 2, Insightful

      Why no other more reputable service has challenged them in the e-payment space is beyond me.

      Both Amazon Payments and Google Checkout are competing with PayPal, but PayPal has a considerable lead to overcome.

    5. Re:competition? by lwsimon · · Score: 1

      They require you to offer PayPal - I believe you can use your own generic merchant service, but of course, no one will want to use it because *everyone* accepts PayPal. I hate them, but am forced to use them if I want to sell product online.

      --
      Learn about Photography Basics.
    6. Re:competition? by Have+Brain+Will+Rent · · Score: 1

      I don't know if they are in the US but in Canada HyperWallet performs a similar service. Also you can use Interac email money transfers to send money (having the advantage that the receiver has to have a bank account which means they have provided reasonable id etc. (tax man requires it) to get the account in the first place... so there is some sort of verifiable trail showing where the money went.

      --
      The tyrant will always find a pretext for his tyranny - Aesop
    7. Re:competition? by Serenissima · · Score: 1

      Correct me if I'm wrong, but you can setup your PayPal account so that it has the ability to deposit money right into your bank account, right? With online banking all the rage nowadays, can you not just transfer the money from your paypal account every week keeping a minimum in there for incidental costs? That way, you can keep your money in your own bank account.
      I don't know much about PayPal, but wouldn't that be a viable option instead of keeping say... 600,000 pounds in PayPal?

      --
      Give a man a fire and he'll be warm for a day. But light a man on fire and he'll be warm for the rest of his life.
    8. Re:competition? by Anonymous Coward · · Score: 0

      Google Checkout
      Also Amazon has a s

    9. Re:competition? by Anonymous Coward · · Score: 0

      As I recall, Google has tried.

      However, eBay has made it so all payments there are required to go through PayPal. Which would seem to me to be a major misuse of monopoly powers...

      eBay is not a monopoly. If you want an auction, go to Craigslist. For cheap Buy it Now, go to Amazon.

      If you want something really obscure, try contacting the eBay seller directly. Offer to cover their fee for cancelling the auction, in addition to a fair price for the item.

    10. Re:competition? by Anonymous Coward · · Score: 0

      ebay own paypal, so they're double dipping in fees. The only way to handle them is to not bother with ebay. Very few sellers accept non-paypall these days,

    11. Re:competition? by Anonymous Coward · · Score: 0
    12. Re:competition? by ckthorp · · Score: 1

      If you read the updated post, the developer DID withdraw every week and still got burned.

    13. Re:competition? by Anonymous Coward · · Score: 0

      Reputably?? No. If you want reputable then you are going to have to go with a bank i.e. Visa, MC etc......but even that is debatable.

    14. Re:competition? by weirdcrashingnoises · · Score: 1

      I don't know much about PayPal, but wouldn't that be a viable option instead of keeping say... 600,000 pounds in PayPal?

      from Notch's Blog:

      Just to clear things up: I withdraw everything from paypal every week. They limited my account just as sales started spiking, so this money has accumulated since they limited the account.

      from minecraft.net stats:

      In the last 24 hours, 11837 people registered, and 4485 people bought the game.

      4485*9.95 Euro = 44625.75. thats in 24 hours. it would only take about 2 weeks to accumulate over 600k.

      --
      sigs... don't talk to me about sigs....
    15. Re:competition? by MoriT · · Score: 1

      Only if you want PayPal to be able to reach in and take all the money you have in your bank account out any time they want. As other people here have pointed out, there's good reason not to trust PayPal. Additionally, if you do that, anyone who hacks your PayPal can clean you out for every single nickel and dime to your name. Someone I know got a key logged and next thing he knew he couldn't make rent. His bank wouldn't help, since to them it looked like a legit transaction, and PayPal wouldn't help because they are PayPal. Eventually PayPal offered a partial return, but didn't even seem to care that their mode of operation allowed completely untraceable theft. They claimed that since they couldn't recover it from the email address it was sent to, they weren't going to give him any of it. It is much, much safer not to have PayPal connected to anything.

    16. Re:competition? by MikeBabcock · · Score: 2, Informative

      In Canada we have Interac. Many don't realize it, but every bank card in the country can be used to do online person-to-person money transfers without using Paypal.

      --
      - Michael T. Babcock (Yes, I blog)
    17. Re:competition? by Anonymous Coward · · Score: 0

      And what is sad, is that those who say they DON'T have issues with paypal continue to use it despite the hoards of people who do, thus supporting the gray arena it is.

      Until paypal is tied into the Credit Bureau, I know many people who will never use it, me included.

    18. Re:competition? by jdcope · · Score: 1

      Correct me if I'm wrong, but you can setup your PayPal account so that it has the ability to deposit money right into your bank account, right? With online banking all the rage nowadays, can you not just transfer the money from your paypal account every week keeping a minimum in there for incidental costs? That way, you can keep your money in your own bank account. I don't know much about PayPal, but wouldn't that be a viable option instead of keeping say... 600,000 pounds in PayPal?

      They can still get the money back from your bank account.

    19. Re:competition? by node+3 · · Score: 1

      How is that "FALSE FALSE FALSE!"? They require you to accept PayPal for auctions in the US.

    20. Re:competition? by HeronBlademaster · · Score: 1

      Amazon Payments is a good replacement for Paypal, and if all you need is shopping cart integration, Google Checkout is good too. Personally I consider both of those companies to be more reputable than Paypal...

      (I added GC as a payment option recently on a site, in addition to the existing Paypal option; I'm pleasantly surprised at how often people choose to use Google instead of Paypal. I'm still working on Amazon Payments integration, though...)

    21. Re:competition? by node+3 · · Score: 1

      Yes, the best thing to do for a company that pulls shit like this is give them direct access to your bank account...

    22. Re:competition? by Ecuador · · Score: 1

      I don't understand, what exactly is false? You are linking to stories about complaints in Australia and Germany, and I don't see eBay being particularly "beaten down" especially judging from the article about Germany... Not to mention that GP has mentioned Google Checkout which is not available in Australia or Germany...
      So it is indeed true that Ebay never allowed Google Checkout and, yeah, it is illegal, there are anti-trust laws that don't allow you to use your monopoly in one area (online auctions) to gain another market (online payments). But nobody's doing anything about it...

      --
      Violence is the last refuge of the incompetent. Polar Scope Align for iOS
    23. Re:competition? by node+3 · · Score: 1

      eBay is not a monopoly. If you want an auction, go to Craigslist. For cheap Buy it Now, go to Amazon.

      I'm not sure you understand the meanings of the words "monopoly" and "auction".

    24. Re:competition? by Skal+Tura · · Score: 1

      Moneybookers has tried to. Failing due to even higher transaction fees in part, and harder to use for businesses.

    25. Re:competition? by Skal+Tura · · Score: 1

      Better yet, i make some 3 withdraw requests each week. :)

      I keep always very low amount in PP account vs. fees i pay to PP per annum.

      Just is common sense, PP doesn't even pay interest, and my bank pays a nice interest :)

    26. Re:competition? by Skal+Tura · · Score: 2, Informative

      Moneybookers, ePassporte, AlertPay are probably the biggest. Then there is the niche eGold and the like.

      But nothing garners consumers & buyers for business like Paypal! Over 98% of our proceeds come via paypal for example.

    27. Re:competition? by jewishbaconzombies · · Score: 1

      In the US - most banks will allow free transfers to an account if the recipient has an account with the same bank (meaning a BoA transfer can be scheduled with online banking to another BoA customer). You can do it with another bank as well but that's when the fee's start.

    28. Re:competition? by tsalmark · · Score: 1

      Requiring you to use and requiring you to accept are very different concepts.

    29. Re:competition? by smbarbour · · Score: 1

      Collusion would be if eBay and PayPal were separate companies, but that is not the case.

      PayPal is an eBay company and is made up of three leading online payment services: the PayPal global payment service, the Payflow Gateway and Bill Me Later.

    30. Re:competition? by sexconker · · Score: 0, Troll

      FALSE FALSE FALSE! That would be collusion and illegal. They have been beaten down about this in the past, in other jurisdictions. Please see :

      http://arstechnica.com/old/content/2008/06/australia-calls-shenanigans-on-ebay-paypal-only-policy.ars

      http://www.webpronews.com/topnews/2010/02/26/ebay-paypal-tie-up-draws-complaints-in-germany

      TRUE TRUE TRUE!
      They're actually doing it.
      Please see ebay.com

    31. Re:competition? by Trepidity · · Score: 1

      Neither of those two options are available to merchants based in Sweden, though, so wouldn't help the Minecraft developer.

      (Google Checkout isn't available to non-US/UK accounts at all, and Amazon Payments will only let you withdraw money to a linked U.S. bank account... so if you're Swedish, you could accept it, but then you'd have to spend 100% of your income on Amazon gift certificates.)

    32. Re:competition? by Mizery+De+Aria · · Score: 0

      Or you can use Bitcoin

      --
      If you're religishitty, KILL YOURSELF!
    33. Re:competition? by HeronBlademaster · · Score: 1

      Sure, but that's not what I was replying to...

      The post I was replying to merely asked, "does ANYONE know of another service ANY service like Paypal but run reputably?"

      Amazon and Google both provide services that fall under the umbrella of "ANY service like Paypal" ;)

    34. Re:competition? by Anonymous Coward · · Score: 0
    35. Re:competition? by Mizery+De+Aria · · Score: 0

      Not directly similar, but check out Bitcoin

      --
      If you're religishitty, KILL YOURSELF!
    36. Re:competition? by Mizery+De+Aria · · Score: 0

      You can exchange Money Bookers USD, Pecunix GAU, Liberty Reserve USD and PayPal USD for Bitcoins at Bitcoin Market.

      --
      If you're religishitty, KILL YOURSELF!
    37. Re:competition? by petwalrus · · Score: 1

      Actually it looks like PayPal is trying this again as of the last week: http://www.inc.com/tech-blog/ebay-says-paypal-only-please.html

    38. Re:competition? by cgenman · · Score: 1

      http://pages.ebay.com/help/policies/accepted-payments-policy.html

      For most categories, sellers need to offer one or more of the following electronic payment choices:
      PayPal
      ProPay
      Moneybookers
      Paymate
      Credit card or debit card processed through the seller's Internet merchant account

      So the seller either A: has to have a verified merchant account, B: has to accept ProPay, Moneybookers, or Paymate, all of which suck, or C: have to accept Paypal. This is basically the natural extension of a "Paypal only" policy, but with a few token bad alternatives thrown in so as to placate certain regulators and large businesses.

    39. Re:competition? by Nadaka · · Score: 1

      Not really. If you must accept paypal, you must use a paypal account and therefore you must use paypal on some level even if your actual customers decide to use an alternate form of payment.

    40. Re:competition? by Anonymous Coward · · Score: 0

      Ebay owns Paypal, so no collusion.

    41. Re:competition? by tsalmark · · Score: 1

      Wrong argument. The statement in question was "eBay has made it so all payments there are required to go through PayPal" which is patently "FALSE FALSE FALSE".

    42. Re:competition? by KraftDinner · · Score: 1

      For every ebay.com ad I put up I was given the choice of NOT accepting PayPal.

    43. Re:competition? by sjames · · Score: 1

      Yes, they have gotten two beat downs over that, meaning that the first one didn't "take" except in the jurisdiction it happened in. I can guess the same probably happened the second time.

    44. Re:competition? by node+3 · · Score: 1

      Not really. Not so much as to equate to "FALSE FALSE FALSE!" (AC's wording), nor are they "very different concepts" (your wording).

      In the context of the discussion at hand, you are required to use PayPal if the buyer wants to use it. That's why "required to accept" and "required to use" are not so very different. Also, the fact that most buyers will want to use PayPal makes it a practical requirement, even if it's not an absolute requirement.

    45. Re:competition? by h4rr4r · · Score: 1

      No law prevents a Swede from getting a bank account with a US bank. He could then even electronically transfer the money to his normal accounts.

    46. Re:competition? by Anonymous Coward · · Score: 0

      Plenty have. They're called Digital Gold Currencies and they work much better than paypapl. The secret service acts as puppets for PayPal shutting them down for "money laundering." I'm sure there's nothing corrupt going on there.

    47. Re:competition? by tsalmark · · Score: 1

      So we are back to free market, and away from Collusion.

    48. Re:competition? by Mr.+Freeman · · Score: 1

      No, moron, we're not.

      In the free market the seller could say "I will sell only to those willing to pay with methods X,Y,Z, but I will NOT accept payment through paypal"
      Thus, any buyers that want to use paypal would be out of luck. Free market, they'll take their money elsewhere.

      Ebay says "it doesn't matter what other payments you accept, if you sell anything then you MUST accept paypal if the buyer wants to use it". Thus, Ebay itself is not a free market, because it puts restrictions on which payments users are REQUIRED to accept.

      --
      -1 disagree is not a modifier for a reason. -1 troll, flaimbait, redundant, overrated are NOT acceptable substitutes.
    49. Re:competition? by Trepidity · · Score: 1

      Is that possible? I didn't think U.S. banks would open an account for a foreign national with no U.S. social-security number or tax ID, and no U.S. mailing address.

    50. Re:competition? by the_macman · · Score: 1
    51. Re:competition? by Anonymous Coward · · Score: 0

      You don't have to be a monopoly to be sued for anticompetetive practices.

    52. Re:competition? by dreampod · · Score: 1

      Not terribly different in this case.

      In order to use Ebay you must accept PayPal which forces you to have a PayPal account. Since you can not control which form of payment a purchaser chooses to use you may be forced to attempt to retrieve your money from the clutches of PayPal. If you attempt to use Ebay you must use PayPal if you want to guarantee that you will actually ever get your money.

      To me (and many countries legal systems) that sounds like it is forced and illegal collusion.

    53. Re:competition? by AmiMoJo · · Score: 1

      There was a petition to try to force eBay to allow non-PayPal payment methods in the UK but the government ignored it :-(

      Unfortunately eBay is a rather essential tool for me. I buy a lot of electronic components from sellers in China and the UK. No-where else provides that kind of market where you can buy stuff in small quantities from a vast selection.

      I hate PayPal from the bottom of my soul but my options are limited.

      --
      const int one = 65536; (Silvermoon, Texture.cs)
      SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
    54. Re:competition? by Kalriath · · Score: 1

      From July 1 2011, it's TRUE TRUE TRUE.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
  4. Never trust paypal by Anonymous Coward · · Score: 0

    Never trust paypal with large sums of money. Period. I keep everything linked to my credit card so I can reverse charges at any time, and I do not transfer large sums of money using Paypal ever.

  5. Sigh by blai · · Score: 1, Informative

    PayPal is not a bank.

    --
    In soviet Russia, God creates you!
    1. Re:Sigh by geekoid · · Score: 1

      So? There not even as regulated as western union for crying out loud.

      --
      The Kruger Dunning explains most post on /. http://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
    2. Re:Sigh by Bigjeff5 · · Score: 1

      Therefore they get to steal your money?

      I don't follow...

      --
      Security is mostly a superstition... Avoiding danger is no safer in the long run than outright exposure. - Helen Keller
    3. Re:Sigh by Dracos · · Score: 4, Interesting

      I worked for Western Union for over 6 years, they are subject to many, many banking regulations. Since PayPal is a money transfer service, it should fall under the same regulations.

      It's too bad WU management is deathly afraid of the Internet (well, technology in general), otherwise they could have prevented PayPal from ever existing.

    4. Re:Sigh by toastar · · Score: 1

      I worked for Western Union for over 6 years, they are subject to many, many banking regulations. Since PayPal is a money transfer service, it should fall under the same regulations.

      It's too bad WU management is deathly afraid of the Internet (well, technology in general), otherwise they could have prevented PayPal from ever existing.

      Funny WU is probably the only company that could still put them out of business, Something even google couldn't do.

    5. Re:Sigh by ktappe · · Score: 1

      PayPal is not a bank.

      Let's see, you open accounts with them using personal information including social security #, address, checking account, and credit card #. Legal U.S. funds are deposited and withdrawn from your account. Hmmm....sounds like a bank to me.

      We've all heard stories over the years of Paypal suspending accounts for no explained reason but this time the amount is significant. They may finally be going too far and if they keep this amount they may well be committing several laws. It will not be hard for the account holder to get a lawyer on contingency for that amount and to go after Paypal HARD. They need to tread carefully.

      --
      "We can categorically state we have not released man-eating badgers into the area." - UK military spokesman, July 2007
    6. Re:Sigh by bsDaemon · · Score: 4, Funny

      they may well be committing several laws

      Congress commits several laws every year, but no one's stopped them yet...

    7. Re:Sigh by geekoid · · Score: 1

      Which is ironic, because they got started by jumping on new technology.

      But yeah, if western union hired a smart person (me) to create a PayPal competitor, they would dominate pretty quickly by creating a marketing campaign that's just focused on regulations and talking about PayPal's issue like this.

      --
      The Kruger Dunning explains most post on /. http://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
    8. Re:Sigh by AusIV · · Score: 1

      What's your point? They are a payment processor, so it's inevitable that they will be in possession of your money at some point. This guy wasn't deliberately storing his money in Paypal, the €600,000 is from payments accured since paypal locked him out of his account.

    9. Re:Sigh by nospam007 · · Score: 3, Informative

      "...As of July 2007, across Europe, PayPal also operates as a Luxembourg-based bank..."

      http://en.wikipedia.org/wiki/PayPal

    10. Re:Sigh by mcgrew · · Score: 1

      Not strictly, no, but

      A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses.

      The only thing that keeps them from being a bank is their lack of lending. In all other aspects, they do what banks do.

    11. Re:Sigh by TheSpoom · · Score: 3, Informative

      Western Union actually bought an internet bank account transfer company called Custom House recently, which is really good if you want to transfer money between bank accounts in different countries. So they're at least dipping their toes in "this newfangled interweb thing".

      --
      It's better to vote for what you want and not get it than to vote for what you don't want and get it.
      - E. Debs
    12. Re:Sigh by commodore64_love · · Score: 1

      >>>>>PayPal is not a bank.
      >>
      >>sounds like a bank to me.

      What words mean in plain english and what they mean in legal circles are not always the same thing. I remember when Amazon advertised themselves as, "The world's largest bookstore." They got sued by Barnes&Noble, Borders, and a few others who claimed amazon is not a store. The court heard the case and agreed that amazon is not a store, and forced amazon to drop the slogan. It wouldn't surprise me if some judge somewhere has already decided Paypal is not a bank, at least not legally.

      As for problems:

      Every Ebay seller had stories but for most of us the problems were not with paypal, but with dishonest Ebay sellers (mailing me broken crap) and buyers (saying item not received when I have confirmation it was delviered).

      --
      "I disapprove of what you say, but I will defend to the death your right to say it." - historian Evelyn Beatrice Hall
    13. Re:Sigh by Anonymous Coward · · Score: 0

      I think they technically are a brokerage house......

      just like the fools on Wall Street

    14. Re:Sigh by Surt · · Score: 1

      They keyword there is Luxembourg. What everyone cares about is whether or not they operate as a US-based bank.

      --
      "Who is the Journal of Quantum Physics going to believe?" --Stephen Hawking
    15. Re:Sigh by Surt · · Score: 2, Informative

      Bank, in the US, has a specific meaning, and requires FDIC insurance of your deposits, as well as lots of other good stuff that would prevent the sorts of abuses PayPal regularly visits on its customers.

      --
      "Who is the Journal of Quantum Physics going to believe?" --Stephen Hawking
    16. Re:Sigh by Patch86 · · Score: 0, Troll

      Really? Who are Western Union? I've heard of Google, and heard of Amazon (both run PayPal-like services), but Western Union are unknown to me.

      I mean I'll go Wikipedia them now, but I'm interested into what would give them such a fantastic edge over these other internet giants.

    17. Re:Sigh by Skal+Tura · · Score: 1

      In Europe PP is registered as a bank

    18. Re:Sigh by Skal+Tura · · Score: 1

      We get requests for WU more than IBAN Wiretransfer/Moneybookers. Downside is that WU is expensive, and so in practicable that transaction costs increase even more. Thus we cannot accept payment via WU.

    19. Re:Sigh by JustSomeProgrammer · · Score: 1

      Life was not always on the internet.

    20. Re:Sigh by El_Muerte_TDS · · Score: 1

      No, only people from the US care about that.

      People from the EU care that PayPal is under the regulations of the EU Bank thingy. I'm not sure what this implies, but at least it gives me some protection against PayPal US' shady business (I hope).

    21. Re:Sigh by Surt · · Score: 1, Redundant

      Slashdot is a US centric site. By default, all discussions are assumed to be US-centric.

      http://slashdot.org/faq/editorial.shtml#ed850

      --
      "Who is the Journal of Quantum Physics going to believe?" --Stephen Hawking
    22. Re:Sigh by sitkill · · Score: 1

      I'm not sure if you are serious or not but... There are a few things that Western Union has over paypal, but the largest is that Western Union is available in a massive number of countries (think 240 countries), with integrations into mobile partners. I'm not entilrely sure what Paypal is but I remember that just recently they've expanded into China. The other point being that just about any corner store can become a western union kiosk. Instead of having to register you bank account/credit card to Paypal, someone can simply send you the money via western union agent. If Western Union had made and internet payment system (which they have now), with actual reasonable rates, they could still destroy paypal. Unfortunately, they are content with just screwing people on fee's and % points on exchange rates, instead of taking over paypals market.

    23. Re:Sigh by penguinchris · · Score: 1

      Unless Western Union changes their system, they're going to be in big trouble if any competitor shows up. The only reason they still exist is because there's usually no alternative for many of the transfers that they'll process. And as a result of this de facto monopoly, their fees are ridiculously high.

      I tried to urgently send about $200 from here in the US to a friend in Thailand, and the only way that was going to work was Western Union since it's essentially instant and you can pick up the cash at any agent location. They've got a web service and say you can use a debit card, so I set up the whole thing online, and it wouldn't go through. Tried a different debit card, tried a credit card, no go. I contacted customer service and the reason was that they can't verify my identity. OK, they're trying to prevent fraud. So I ask, how can I confirm my identity and make my transaction? Their answer: YOU CAN'T! Seriously, I'm throwing an outrageous $25 or so in fees in front of them, with the likelihood of more in the future, and they refuse to take my money. That does not make any kind of sense.

    24. Re:Sigh by Anonymous Coward · · Score: 0

      they may well be committing several laws

      Congress commits several laws every year, but no one's stopped them yet...

      ... and yet somebody should

    25. Re:Sigh by Patch86 · · Score: 1

      I was serious. I don't know quite why I got a Troll for that, but thanks for answering.

      According to Wikipedia, they've already tried and failed to take on PayPal, with a service called "BidPay". Which doesn't say much, except that Western Union doesn't have a magic bullet.

    26. Re:Sigh by LingNoi · · Score: 1

      Except when we're talking about the swedish guy in the fucking summary...

  6. Return the money by He+who+knows · · Score: 5, Insightful

    If paypal decides that there has been some "funny buisness" involved shouldnt they return the money to the origional accounts.

    1. Re:Return the money by hypergreatthing · · Score: 2, Funny

      Obviously they'll decide that the funny business is indeed happening. From Paypal's side. And they'll keep the money.

    2. Re:Return the money by durrr · · Score: 1

      It's a game, if the devs are any good then of course it's funny business.

    3. Re:Return the money by hedwards · · Score: 1

      That's not how they do it though. They freeze the account, and probably invest it it while they drag their feet on resolving it. Or at least that's how it appears.

    4. Re:Return the money by Anonymous Coward · · Score: 0

      You'd think so, but that isn't the case.

      A few years ago, I moved some money from my mum's paypal account to mine.

      Paypal thought it was fraud, so they took the money back from my account, and took the same amount of money from the card again. I had already spent that money, so it'd ended up as:
      I had -£x in my account, my mum's paypal account had -£x and my mum's bank account had -£2x.

      I don't see how any of this can stop fraud!!? It took a few months to get it back as well!

    5. Re:Return the money by Anonymous Coward · · Score: 0

      Thats the key to the paypal plan.

      I'd bet they make quite a bit from 'account investigations' every year.

      Every year they rip off... er... investigate 2% of their customers. and keep their money...
      And not enough complain loud enough long enough to get any real attention.
      And a few who do.. Get their money back. Eventually. While you get to earn interest on their funds.
      But most people give up eventually and paypal gets to keep some free cash.

      It's free money! Thats just smart business. The bottom line is everything.

      captcha:shallow (how awesome is that)

    6. Re:Return the money by Eil · · Score: 1

      Since they don't have to follow, well, any rules at all, it seems entirely likely that they can indeed simply keep all the money. Unless the game dev decides to sue.

      Now, one interesting thing about PayPal is that it seems like when they pull these shenanigans, it's usually against people who would never be able to afford to successfully sue them. It costs thousands of dollars just to get decent legal advice, let alone go to court. I know a few people who have been bilked out of money from PayPal, so if this kind of thing is as common as blogs and first-person accounts suggest, PayPal must rake in millions annually from these little "misunderstandings." And I wouldn't doubt for a second that they consider this a major revenue source.

      Rather like how the cell phone companies put the "access the web" buttons on their phones right next to other common buttons. Every major carrier admits they make serious cash from the accidental data charges, but only a percentage of customers actually call in to have the charges reversed.

  7. Why was he still using paypal? by Anonymous Coward · · Score: 0

    They're well known for pulling stunts like this. Guess there's one born every minute.

  8. Don't use Paypal! by Anonymous Coward · · Score: 1, Insightful

    It is simple, do not use Paypal.

    1. Re:Don't use Paypal! by Skal+Tura · · Score: 1

      If the world were just that black & white ... Paypal is in market monopoly. Many businesses would not have a business without Paypal. Many businesses get 90%+ of their revenue via Paypal, business otherwise lost.

    2. Re:Don't use Paypal! by Mizery+De+Aria · · Score: 0

      Use Bitcoin ^_^

      --
      If you're religishitty, KILL YOURSELF!
    3. Re:Don't use Paypal! by Anonymous Coward · · Score: 0

      We get it, you work for Bitcoin. Jesus Christ.

    4. Re:Don't use Paypal! by Anonymous Coward · · Score: 0

      It's an open source project.

    5. Re:Don't use Paypal! by Kaz+Kylheku · · Score: 1

      A monopoly would mean that you have no choice but Pay Pal if you want to process credit card payments.

      Pay Pal does have partnerships with other shady companies. If you're stupid enough to use the services of those companies to set up your business, you are also forced to use Pay Pal.

      That is not a monopoly.

    6. Re:Don't use Paypal! by LingNoi · · Score: 1

      Translation: I have generated a million bit coins and now want everyone to use it so I can get shit for free..

      Not going to happen. No one wants to buy into your pyramid scheme.

  9. This is why by geekoid · · Score: 3, Insightful

    companies that handle payment transaction needs regulation. At the very least, the people who sent money via paypal would be reimbursement.

    --
    The Kruger Dunning explains most post on /. http://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
    1. Re:This is why by mobby_6kl · · Score: 1

      Meh, just don't use paypal. Also, how the hell did he manage to collect EUR600k for an alpha version of an indie game in 17 days? Maybe there is some funny business going on there after all.

    2. Re:This is why by Bigjeff5 · · Score: 1

      Especially since they all have either a PayPal account or a credit card.

      There is no legitimate reason for PayPal to keep the money, at all.

      It will be theft, pure and simple.

      --
      Security is mostly a superstition... Avoiding danger is no safer in the long run than outright exposure. - Helen Keller
    3. Re:This is why by Anonymous Coward · · Score: 0

      It was mentioned on /v/, on the Valve TF2 blog, by some popular youtuber, etc.

      Even though it is 'alpha' it still has plenty of cool features and is pretty unique. Play it and you will almost certainly get addicted...

    4. Re:This is why by TheCRAIGGERS · · Score: 2, Interesting

      Because the game is lots of fun to play with friends and because this 'alpha' is more stable than some games that are sold in stores?

    5. Re:This is why by Anonymous Coward · · Score: 1, Informative

      Not just ANY indie game. One that has been widely featured in edia and has hundreds of thousands of subscribers. I see people playing it nearly every day (Granted, I study software engineering so the people I interact with don't represent society as a whole... But that indie game is BIG). linky

      Still, a very big sum so there might actually be something shady going on... But it is feasible that he just earns that much.

    6. Re:This is why by sqrt(2) · · Score: 1

      A small part of that 600k Euros was from me, so I am pissed that the money hasn't gotten to where I intended it to go. I don't want my money back, I want it to get to Notch, and I want the development of Minecraft to continue.

      --
      If you build it, nerds will come. Soylentnews.org
    7. Re:This is why by Anonymous Coward · · Score: 0

      It was given a shout out by the Team Fortress 2 developers on their official blog a while back iirc. That normally puts it square in front of a few million gamers eyeballs.

      A heads up to Indie devs. If the guys that run steam think your game is awesome and give you a shout out it can lead to a ton of revenue.

    8. Re:This is why by atfrase · · Score: 3, Interesting

      It's EUR10 each, so that's only 60k pre-orders. I wrote a WoW addon that's used by a couple thousand people, and Minecraft is arguably 30x cooler than my addon. The internet is a big place; 60k people is pretty reasonable.

    9. Re:This is why by Scragglykat · · Score: 1, Flamebait

      Have you seen the website for the game? I'm not sure if game development in Europe is just that far behind the times, but it appears to be something one would have played on the Commodore 64, yet they want real money for it and their website doesn't even have a real demo of it, just some weird video of what the game isn't about. Funny business indeed.

    10. Re:This is why by TheLink · · Score: 1

      Well if the 600K is legit, I'd say the complaints about piracy causing creators to starve might be overblown :).

      If only there was a better practical way to pay people for stuff, I too prefer to avoid Paypal but I had to use it to pay for World of Goo (which I haven't actually played for a while since ;) ). The more convenient and cheaper (in terms of overheads/fees/charges) you make it, the more likely people will pay you.

      The problem would supposedly be money laundering and the politicians would make noise about "making it easy for terrorists to transfer money".

      Which would be bullshit, since you'd want terrorists (and criminals) to use something easy like this, so that you can tell the company doing them "Let us install some equipment at your datacenters, OR ELSE...". Rather than a "someone" asking Abdul in UK to ask his cousin Ajani in Afghanistan to pay USD1000 to another "someone".

      p.s. I wonder who the real crooks, thieves and dangerous people are: if the Federal Reserve can loan out trillions (USD 9 trillion?) without being held accountable, and you have investment bankers getting away with "keep passing crap, inflate the value of the crap, sell it, take a cut, and get a bailout when it blows",

      --
    11. Re:This is why by TheLink · · Score: 1

      Oh yah the other problem would be malware, hackers and phishers stealing money more easily.

      Oh well...

      --
    12. Re:This is why by Skal+Tura · · Score: 1

      Yes, but the Federal Reserve and investment bankers do it within law, supporting the modern slavery system and goverment via very large taxes paid, and federal reserve prints money as US govt needs.
      Remember tho, Federal Reserve is not part of US Govt, but rather an individual organization which has nothing to do with US Govt except for the business they condone together. The US currency is not "owned" by US Goverment.

    13. Re:This is why by Anonymous Coward · · Score: 0

      I hate it when I don't get reimbursement!

    14. Re:This is why by hedwards · · Score: 1

      But that would represent a taking and would end the free market and how dare you suggest that corporations be regulated to socialist.

    15. Re:This is why by Anonymous Coward · · Score: 0

      It's funny how the numbers do and don't scale till you run them once. When I was asked to write a tech book, I was surprised when the publisher said only 30k would be considered very good sales. But take a generous English-reading market estimate of 400 million, and that'd mean even my minor city of 250k would have nearly 20 copies sold.

    16. Re:This is why by Anonymous Coward · · Score: 0

      Well, it's half price while still in alpha, so maybe lots of people heard that he was getting close to beta and decided to buy it. I haven't played it myself, but it's apparently popular. 60,000 purchasers at 10 euro each isn't completely unheard of, if the game truly is super-popular. For comparison, World of Goo sold 83,000 copies over 13 days during its "pay what you want" sale last October.

      Also, is that 17 days since he last cleared his account, or 17 days since he tried and failed to perform his weekly clear (meaning about 23-24 days total)?

    17. Re:This is why by Haeleth · · Score: 1

      Also, how the hell did he manage to collect EUR600k for an alpha version of an indie game in 17 days? Maybe there is some funny business going on there after all.

      It's come to a sad state if people in supposedly capitalist societies have started to think that there's something inherently suspicious about an individual successfully making money by selling something he made himself.

    18. Re:This is why by omnichad · · Score: 1

      Maybe if everyone that purchased asks for a refund from Paypal on those grounds, you can all mail him your checks. Paypal, of course, would think they were justified in stealing the funds then - but that's already a losing battle. They look like idiots in the media once again.

    19. Re:This is why by Anonymous Coward · · Score: 0

      You are an absolute dumbass.

      You are a prime example of the lowest level of society. You think a good game is all about flashy graphics and other such nonsense. Well, answer me then, why is it that CARD GAMES have stood the test of time so much longer than ANY electronic game ever has? They have no "graphics" to speak of. A set of cards could simply have numbers and letters on them, and work perfectly well.

      The key to a good game is the mechanism of gameplay. Everything else is just fluff.

      Pac-Man is leaps and bounds beyond some of the flashy 3D crap that's shoveled in our faces these days. There's a reason people don't want to pay for most of that crap.

      Minecraft actually has me quite excited, just from looking at a few of the web tutorials for the alpha. It makes me think of a 3D "Warcraft" type game. (Not MMORPG, but 3D RTS-ish)

    20. Re:This is why by Anonymous Coward · · Score: 0

      go play minecraft, you idiot.

    21. Re:This is why by rainmouse · · Score: 1

      I'm not sure if game development in Europe is just that far behind the times, but it appears to be something one would have played on the Commodore 64, yet they want real money for it and their website doesn't even have a real demo of it, .

      Your starting an argument knowing in advance from the previous post that 60k people already disagree with you. Also ignoring the fact that on that very website you talk about, you can play the previous version of it for free

    22. Re:This is why by brit74 · · Score: 1

      I work in the indie game business, and 600,000 Euros sounds wrong to me, too. No one I know is anywhere close to being that successful (most indie game developers are working for ridiculously substandard pay) - and these are pre-orders? By the way 60K preorders, for comparison, is about 1/4th the total sales of Modern Warfare 2 on the PC - a game with a far larger budget.

    23. Re:This is why by TangoMargarine · · Score: 1

      Well excuse me if I don't feel the need to experience continuous eyegasms from the 198 trillion polygons per pixel every time I play a PC game. The game is fun.

      --
      Unity? Screw that: XFCE. Slashdot Beta? Screw that: SoylentNews. Australis? Screw that: Pale Moon. UX developers DIAF
    24. Re:This is why by TheLink · · Score: 1

      By the way 60K preorders, for comparison, is about 1/4th the total sales of Modern Warfare 2 on the PC

      Not saying you're wrong but do you have a cite for that? I'm curious on the figures.

      The console versions had at least 2.2 million preorders in the USA: http://gamrfeed.vgchartz.com/story/5514/americas-preorder-charts-11th-oct-09/
      With 10 million units sold in 12 days: http://gamrfeed.vgchartz.com/story/5953/modern-warfare-2-hits-10-million-units-sold/

      So a tiny percentage of the sales are for the PC version? Perhaps people really didn't like the PC version of Modern Warfare 2 - I heard some complaints about it by PC gamers. Or perhaps PC gaming is going a different direction.

      Because Starcraft 2 had 1.5 million copies sold in 48 hours. And I don't think there's a console version of that yet. http://www.pcworld.com/article/202460/starcraft_ii_sales_top_15_million_copies_in_48_hours.html

      1.5 million units is a lot more than 60K. I don't think this indie game is targeted at console gamers.

      But yeah maybe a bunch bought thousands of copies of this indie game with accounts/credit card numbers not belonging to them. So I'm curious to see which happened :).

      --
    25. Re:This is why by brit74 · · Score: 1

      I don't remember where I read the 270,000 copies sold for Modern Warfare 2, but this quote should give you an indication:

      The boxed PC version of Call of Duty: Modern Warfare 2 sold around 170,000 units in November, according to Gamasutra’s NPD analysis. Compared to the 6 million units the game shifted on consoles in one month, that’s a rounding error.
      http://www.wired.com/gamelife/2009/12/modern-warfare-2-pc-sales/

      In general, poor sales on the PC has been blamed on piracy, rather than lack of interest. The numbers I saw showed 6 million copies sold and 1 million copies pirated on the XBox. In comparison, there were 270,000 copies sold and 4 million copies pirated on the PC. In other words, 7 million players on the XBox, 86% of them paid for the game; 4.25 million players on the PC, 6% of them paid for the game.

    26. Re:This is why by Anonymous Coward · · Score: 0

      how the hell did he manage to collect EUR600k for an alpha version of an indie game in 17 days?

      Because it has been in development for over a year and has gained an enormous following, recently attracting the attention of Valve and more 'mainstream' tech journalists. You haven't heard of Minecraft yet? Have both you and Paypal been living under a rock? Nobody needs permission to be successful, so stop acting like they have to get signed authorization from the big, multi-billion dollar game industry players before they're allowed to have a popular game.

    27. Re:This is why by TheLink · · Score: 2, Informative

      Well Starcraft 2 certainly seems to be doing better. And yes it can be pirated.

      Just googling seems to show there was quite some bad feeling about MW2 in the PC gamer community:
      http://arstechnica.com/gaming/news/2009/11/pc-modern-warfare-2-its-much-worse-than-you-thought.ars
      http://img692.imageshack.us/img692/4069/mw2b.jpg

      FWIW I've played none of the mentioned games.

      --
    28. Re:This is why by Scragglykat · · Score: 1

      for real? I was being serious but I guess I'm not into retro gaming as much as you guys. I thought maybe this was a joke and the 60k people of which you speak were actually not real people, thus the holding of the money to determine how the game could make that sort of dough before being finished.

  10. Payments continued? by tokul · · Score: 1

    If he had problems with PayPal, why he hasn't stopped or redirected payments.

    1. Re:Payments continued? by Anonymous Coward · · Score: 0

      A better question is if Paypal suspects "funny business" and they knowingly allow payments to continue, aren't they "aiding and abetting" whatever crime they suspect is going on? Shouldn't an account be frozen from payments as well, instead of only freezing withdrawals?

    2. Re:Payments continued? by bluefoxlucid · · Score: 2, Interesting

      Why hasn't he called them directly, told them to elevate as high as it can go, preferably (to their own advantage) to someone with a lawyer standing next to him; told the guy to turn on his speaker phone; and handed his phone to HIS lawyer?

    3. Re:Payments continued? by DurendalMac · · Score: 1

      This is a very good point. If they keep his money, I hope he sues the hell out of them and has criminal charges brought as well. It's goddamned time Paypal was held accountable. They should be held to the same regulations as banks.

    4. Re:Payments continued? by jimicus · · Score: 1

      You ever tried that with a large organisation?

      It doesn't work. Here's what happens:

      You speak to low-level rep and ask to speak to a supervisor. You get their team leader. Now, their team leader doesn't really have a great deal of power as such - they just have more experience with dealing diplomatically with awkward customers. "Awkward" in this context means "not prepared to accept the only answer the low-level rep is authorised to give". IME, it is exceedingly rare to be put through to a supervisor who says "You know something? You're quite right, and the rep you were just speaking to should never have dealt with you how they did. I'll fix everything up for you then I'll go have a word with them..." - usually, if a rep has screwed up they'll hang up rather then put their boss on the line.

      Anyhow, you ask the team leader to escalate your call again. 99% of the time, they'll refuse - usually claiming that "there's nobody more senior here" (bullshit) or "there's nobody more senior available" (available == that I'm prepared to put my neck on the line by putting you through to), and you're speaking to someone who's practically got a degree in getting shot of people who are making life difficult.

      1% of the time, you get the call centre manager. At this point, you're speaking with someone who's gone past the degree in getting shot of difficult people, has a Masters in it and is well on the way to a Doctorate in "getting shot of awkward people". On top of that, the immense likelihood is the call centre manager has about 100 other things on their plate, all of which are higher priority to them than a single customer.

      The only way you have a snowflakes' chance in hell of getting hold of someone within the legal department is to send a letter threatening legal action to their registered office. And I guarantee you they're not stupid enough to talk to you on the phone - far too much risk of being misunderstood, misquoted or simply putting their foot in it because with a letter you can at least consider what you write before you actually print and send it.

      The alternative trick is to call the CEOs office, speak with his PA (who's usually much easier to get hold of than the CEO him/herself), explain as politely as you can that you've run into some difficulty and while you realise that the PA is very busy, you wonder if she could see her way clear to having a word in the right ears to sort you out. I've used this to great effect in the past, but with the amount of money involved here I don't imagine they'd hand it over without looking closely. The best you could hope for is to be bumped to the front of the queue.

    5. Re:Payments continued? by Skal+Tura · · Score: 1

      Maybe that's exactly the reason, or maybe he even can't disable payments?

    6. Re:Payments continued? by Skal+Tura · · Score: 1

      Have you EVER tried to reach Paypal support? Go and try... don't stop until you reach them. Good luck with that, was nice knowing you etcetera etcetera.

    7. Re:Payments continued? by PitaBred · · Score: 1

      Because bad publicity can be stronger than any lawyer.

    8. Re:Payments continued? by Anonymous Coward · · Score: 0

      Why hasn't he called them directly, told them to elevate as high as it can go, preferably (to their own advantage) to someone with a lawyer standing next to him; told the guy to turn on his speaker phone; and handed his phone to HIS lawyer?

      Because then instead of PayPal holding the money with a chance of getting it back, his lawyer gets the money.

    9. Re:Payments continued? by bluefoxlucid · · Score: 1

      Right, so my lawyer here says I can sue your company into oblivion, and on top of that you'll get fired AND lose a resume reference....

    10. Re:Payments continued? by Anonymous+Cowpat · · Score: 2, Insightful

      why can't he delete the link from his website? That would kill new payments from all but the most determined of people.

      --
      FGD 135
    11. Re:Payments continued? by jago25_98 · · Score: 1

      Here, here. A budget of that size gets a nice lawyer, though you'd need no win-no fee...

      when there's multiple people getting screwed it makes sense to band together with legal costs...if that's possible

    12. Re:Payments continued? by Anonymous Coward · · Score: 0

      Is the European support office still in Blanchardstown, Dublin? Doesn't sound that hard to reach

    13. Re:Payments continued? by tokul · · Score: 1

      As others said, remove payment/donation form from your website. If it is part of your software, release updated version, which is not linked to paypal directly. Inform all people about problems with paypal account and ask to use other payment methods or withhold payments until issue is resolved.

  11. Thank you Slashdot by locallyunscene · · Score: 3, Insightful

    Every time I start thinking about creating a PayPal account because it would be nice to give money to some of the web places that I frequent, but only accept PayPal some story comes along about how willing they are to screw you over. Hopefully this publicity forces them to do the right thing here soon.

    1. Re:Thank you Slashdot by DerekLyons · · Score: 0

      Every time I start thinking about creating a PayPal account because it would be nice to give money to some of the web places that I frequent, but only accept PayPal some story comes along about how willing they are to screw you over.

      But somehow you never seem to think about the other 99.999999% of the transactions and accounts - the ones that never have any problems.

    2. Re:Thank you Slashdot by Anonymous Coward · · Score: 1, Interesting

      Keep it that way. Their support is useless. Payment transactions often fail due to their badly designed "security" mechanisms. They lock accounts without givin reasons and steal money.

      After getting locked out of my account for the third time (once because an update broke the login, twice for unspecified reasons), I'm fed up with Paypal. Sure, while it worked it was great to buy indie games and music but it's just not worth the trouble Paypal puts you through. Lost 10€ in the locked account but they intentionally make it hard to reopen it.

      Don't use Paypal. They are either crooks or incompetent. Neither is a quality of somebody you should entrust with your money.

    3. Re:Thank you Slashdot by lwsimon · · Score: 2, Interesting

      I don't think they exist - seriously.

      Ask *anyone* who sells frequently on eBay, and you'll hear a story about how they've been screwed by PayPal. It is a cost of doing business, like paying protection money to the mob. If you complain about it too loudly, they lock your account and take it all.

      --
      Learn about Photography Basics.
    4. Re:Thank you Slashdot by Cederic · · Score: 4, Interesting

      That's because they don't exist. Even if the statistics back you up (and I'll bet every penny I've ever spent via Paypal they don't) we hear about the illegitimate business practices and not the few successes.

      Last time I tried to use Paypal they took money off my credit card, then refused to route it through to the recipient. As they were acting as a merchant acquirer in the transaction, and I don't have a Paypal account, by holding onto those funds they were effectively stealing money from me.

      So I threatened them with court action, asked my card company to reverse the transaction, and complained to the FSA and to Mastercard.

      I got my money back eventually, and now refuse to do business with anybody that only accepts payment via Paypal. It's inconvenient at times, but not as inconvenient as giving money to a corrupt business and still not receiving the services/goods I've paid for.

    5. Re:Thank you Slashdot by Anonymous Coward · · Score: 0

      Think about all the people in the US Timmy the Murderer HASN'T murdered. He only murdered TWO PEOPLE. Out of 300,000 in the US and 6 billion in the world. Your honor, I think that he should be let go!

    6. Re:Thank you Slashdot by Anonymous Coward · · Score: 0, Troll

      I use paypal for all my transactions because I rather not have X Place see any of my information and not to long ago i had a discrepancy on my account where someone haxed it and removed money, turned it into euros, and then transfered out my money, but quickly resolved the problem in a week and refunded my money which was 2 years ago, so far I haven't had any problems in the last 4 years other then that case. Though I would say I probably had equally the same number of problems with my real accounts.

    7. Re:Thank you Slashdot by Anonymous Coward · · Score: 0

      Unlikely that they'll change. I was a very early adopter that had a couple of bad experiences with Paypal early on. I refuse to use them, or any service that requires them. Even all these years laters I read about the same things happening over and over again.

    8. Re:Thank you Slashdot by kalirion · · Score: 1

      Keep in mind that most of the issues seem to be with getting money, not paying money.

    9. Re:Thank you Slashdot by box4831 · · Score: 1

      Holy shit! 300,000 people in the US left? Timmy must have murdered more than two, something on the order of 306,700,000 people! That makes the Nazi Regime look like a barrel of fluffy kittens

      --
      Miller Lite tastes like water that's somehow managed to rot.
    10. Re:Thank you Slashdot by Mizery+De+Aria · · Score: 0

      Consider Bitcoin

      --
      If you're religishitty, KILL YOURSELF!
    11. Re:Thank you Slashdot by b0bby · · Score: 1

      I've bought & sold over 100 items on ebay, almost all through PayPal, and I've never had a problem. I'm not saying I trust them fully, but they have never screwed me. YMMV.

    12. Re:Thank you Slashdot by DerekLyons · · Score: 1

      But somehow you never seem to think about the other 99.999999% of the transactions and accounts - the ones that never have any problems.

      That's because they don't exist. Even if the statistics back you up (and I'll bet every penny I've ever spent via Paypal they don't) we hear about the illegitimate business practices and not the few successes.

      The few successes? Really? If that were true, almost nobody would continue to use them and they'd soon go out of business. eBay would never have spent the big bucks to acquire them. Google Checkout and Amazon's equivalent would have flourished.
       
      Or, in short, even the most cursory examination of reality shows you to be deluded.

    13. Re:Thank you Slashdot by DerekLyons · · Score: 1

      I don't think they exist - seriously.

      Then, quite frankly, you're deluded. Because if those successful transfers and accounts didn't exist, neither would Pay Pal. eBay wouldn't have bought them, Elon Musk wouldn't be a multi-zillionaire, Google Checkout and Amazon's equivalent would have flourished. Etc. etc..
       

      Ask *anyone* who sells frequently on eBay, and you'll hear a story about how they've been screwed by PayPal. It is a cost of doing business, like paying protection money to the mob. If you complain about it too loudly, they lock your account and take it all.

      Horsecrap. Tens (hundreds?) of thousands of sellers on eBay - and all but a vanishingly small minority silent because of conspiracy? Time to get a new tinfoil beanie mate.

    14. Re:Thank you Slashdot by Anonymous Coward · · Score: 0

      Some small businesses have little choice in the matter. How else do you safely accept money from someone online? Paypal is able to verify the identity / address to a greater degree than I can and make sure the money exists / not being defrauded. There is zero ability for me as a small merchant to verify the money order you send is legit. I can't wait 6 months to send you the laptop you ordered. That wouldn't be acceptable to you now would it? I would accept a few pre-paid reloadable $500 debit cards if that was how you like to pay me. I use paypal though to accept credit cards over the phone. It's a premium virtual terminal service they offer above and beyond the normal paypal services though. Your bill doesn't show paypal on it. Rather only my business name appears and you would never know we use paypal. My point is this your actions are hurting people who have little choice. We can't integrate our website at this time with any other merchant system but paypal. In the next upgrade we probably will switch to another like Google. Until then we're sticking with paypal though. It isn't the only bad choice we made, but it our defence we had no real choice in the matter. Drupal 5 Ubercart was the best / only real feasible solution that did everything we needed that we could develop around (and even it wasn't perfect). It only integrated with paypal easily. With 6 I believe we can go with google's services and we probably will switch.

    15. Re:Thank you Slashdot by Idiomatick · · Score: 1

      I would say the number of users that have trouble (not transactions since accounts that do 100,000 transactions worked out the bugs) is closer to 1/4 or 1/5. They took about 60$ from me in past. It really is quite common to see them screw people over.

    16. Re:Thank you Slashdot by makomk · · Score: 1

      They're still in business because of network effects - enough people use Paypal and eBay that everyone else has to use them too - and the fact that all the competitors are potentially just as bad. (Doesn't matter whether they are, enough people will assume that they are that competing on the basis "we don't suck like Paypal" is a no-go.) Turns out the free market doesn't actually prevent this kind of problem after all.

    17. Re:Thank you Slashdot by AK+Marc · · Score: 1

      As long as you don't expect anything in return. Otherwise, PayPal's TOS reduce your rights as a consumer. Though most of them are illegal, so you can just do your chargeback. But if you paid from your checking account, you are screwed. It's hard to deal with the seller directly because PayPal tries to get in the way, and they will do the least possible, because that's cheapest.

    18. Re:Thank you Slashdot by AmiMoJo · · Score: 1

      I add 25% to the cost of everything I sell on eBay compared to my web site prices (Google Checkout), but even that doesn't cover the extra expense.

      eBay fees, PayPal fees, higher postage due to needing tracking and signatures, PayPal screwing me, customers screwing me, time wasted by PayPal... I would like to charge at least 50% more but I need to keep the prices vaguely reasonable.

      If only Amazon let you add your own products, and maybe set postage costs, without having to be to be a high level seller with monthly fees I'd jump on it in an instant. Where I make the stuff I sell myself it isn't listed and doesn't have a stock code so I can't use Amazon.

      Google Checkout is good though. I have never had any problem with it, buyers don't try to fuck you over like they do with PayPal and the fees are very reasonable.

      --
      const int one = 65536; (Silvermoon, Texture.cs)
      SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
    19. Re:Thank you Slashdot by Golddess · · Score: 1

      If the money that I wish to part with is not going to the party that I wish it to, that is a problem with paying money.

      --
      "I'm not sure I like the fugnutish tone you used in your post!" -RogL (608926)-
  12. I always feel odd when I hear things like this by Pojut · · Score: 1

    I've heard so many horror stories from people using paypal, both from a purchasing and a selling point of view...but ::knock on wood:: I've never had a problem with them, whether buying or selling.

    Is this stuff entirely random, or is there something that people do to piss them off?

    1. Re:I always feel odd when I hear things like this by XnavxeMiyyep · · Score: 1

      It's generally not worth pissing off their regular customers (although they did triple charge one of my friends for a $900 purchase and it took her a month to get the extra $1800 back), but when they stand to steal 600 thousand Euros, of course they'll take this opportunity!

      --
      I put the 't' in electrical engineering.
    2. Re:I always feel odd when I hear things like this by Bigjeff5 · · Score: 1

      I think when there is a lot of money involved, they start to look for excuses to take the money.

      See the $30k Katrina charity freeze posted just after your post.

      --
      Security is mostly a superstition... Avoiding danger is no safer in the long run than outright exposure. - Helen Keller
    3. Re:I always feel odd when I hear things like this by Anonymous Coward · · Score: 0

      Is this stuff entirely random, or is there something that people do to piss them off?

      From what I heard from a friend who had their account frozen for a while, the argument from Paypal is that sometimes repeated transactions can look like "laundering"

    4. Re:I always feel odd when I hear things like this by nospam007 · · Score: 1

      Never had a problem with paypal, but I had my credit card copied/info stolen from a vendor 3 times in the last 4 years.
      With paypal, they don't get my cc number.

  13. Paypal are notorious for this by mewsenews · · Score: 4, Informative

    Almost exactly five years ago, Paypal froze $30k in Hurricane Katrina charity money raised by SomethingAwful, the story is here. They're still crooks now.

    1. Re:Paypal are notorious for this by zero_out · · Score: 2, Funny

      I wonder why my employer's WebSense filter blocked it as being "tasteless." Any ideas?

    2. Re:Paypal are notorious for this by Anonymous Coward · · Score: 0

      the entire somethingawful website is blocked by most filters due to internet humor not being allowed in the work place.

      the katrina story is true tho

    3. Re:Paypal are notorious for this by rantomaniac · · Score: 1

      I wonder why my employer's WebSense filter blocked it as being "tasteless." Any ideas?

      I'm not sure how "tasteless" is grounds for blocking at all.

    4. Re:Paypal are notorious for this by Anonymous Coward · · Score: 1, Insightful

      For the better part of 5 years now, SomethingAwful has been about as funny as the holocaust and thus anyone with any taste in humor would do well to avoid it.

    5. Re:Paypal are notorious for this by jgagnon · · Score: 3, Funny

      The day I have to taste anything that comes up on my monitor is the day I stop using computers.

      --
      Remember to maintain your supply of /facepalm oil to prevent chafing.
    6. Re:Paypal are notorious for this by hedwards · · Score: 1

      Could be worse, at least it's not goatse man on smellivision.

    7. Re:Paypal are notorious for this by jgagnon · · Score: 1

      Tasting goatse would be FAR worse than smelling it... in my opinion. :p

      --
      Remember to maintain your supply of /facepalm oil to prevent chafing.
    8. Re:Paypal are notorious for this by Anonymous Coward · · Score: 0

      Are you kidding? The holocaust is /hilarious/.

    9. Re:Paypal are notorious for this by Anonymous Coward · · Score: 0

      Well when that day comes you will still be able to use Something Awful apparently, because it's tasteless!

    10. Re:Paypal are notorious for this by Lord_Alex · · Score: 2, Interesting

      I wonder why my employer's WebSense filter blocked it as being "tasteless." Any ideas?

      I'm a WebSense admin. Classification of content seems to be random at best. I'm constantly unblocking and reclassifying content. You have no idea how often sites like Google get classed as porn, malicious, social networking, tasteless and so on. WS just rolls a D100 every time it crawls a site. Frustrating as hell. I have so many stories :(

      --
      How much work could a network work if a network could net work?
    11. Re:Paypal are notorious for this by Neil+Boekend · · Score: 1

      That would certainly be a problem with pr0n popups.
      Also it would make a link to tubgirl even more disturbing.

      --
      Well, I might have a way, but it only works on a semi spherical planet in a vacuum.
  14. Paypall thanks you for the interest free loan by spun · · Score: 4, Funny

    The CEOs were bouncing around in their piles of money so exuberantly that one got sick in his. The amount of money in your account fits our CEO frolicking needs perfectly. Thank you for the interest free loan, and don't ask about the funny smell on your money when you do receive it.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
  15. 600,000 euro? by Anonymous Coward · · Score: 0

    if you make 600,000 euros on an alpha version of the game, can't you afford to support payment options other than paypal?

  16. Two Words by killmenow · · Score: 4, Informative

    Google Checkout

    1. Re:Two Words by gandhi_2 · · Score: 3, Interesting

      To be fair, if you generally have problems with anything Google, you'll be lucky to ever make contact with a human to fix it.

    2. Re:Two Words by Anonymous Coward · · Score: 0

      Google Checkout

      Google checkout is only available for US and UK merchants, and has been for years :(

    3. Re:Two Words by gaspyy · · Score: 5, Informative

      A few more words about Google Checkout: works only in US.

      I am using Paypal to sell a game. The demographics are USA 39%, UK 11%, Italy 8% and so on. Overall the 20-80 rule is observed.
      By using Google Checkout instead of PayPal, I would have prevented 61% of my sales - you know, long tail and all. It's true that only 0.05% of the sales are from e.g. Maldives, but all these sales add up.

      If Google Checkout gets global, I'll be the first to jump. Until then, Paypal is a simple method trusted by the buyers. I just make sure I don't keep my money there.

    4. Re:Two Words by future+assassin · · Score: 2, Interesting

      IF you are in the UK and US but forget Canada. I tried signing a few months back and there nowhere did it say as a Canadian I couldn't use checkout until I filled out my info, including my cell number and after submission I got a nice notice of I can't use it because I'm in Canada. So these fucks just got my personal business info and then one they got it they tell me I can't use the service.

      --
      by TheSpoom (715771) Uncaring Linux user here. I have nothing to add to this but please continue. *munches popcorn*
    5. Re:Two Words by Cederic · · Score: 4, Informative

      and yet, the one time I had an issue with an online merchant I'd bought from via Google Checkout, filling in Google's "it went wrong" form led to an immediate response from Google, and a couple of days later a refund in full.

      When the process works seamlessly without me needing direct contact with a person, I'm willing to forgo that contact.

    6. Re:Two Words by slapout · · Score: 1

      That's funny, cause for most other problems, I tell people "checkout Google" :-)

      --
      Coder's Stone: The programming language quick ref for iPad
    7. Re:Two Words by iammani · · Score: 1

      Guess what? You could use more than one payment processor on your website. You could even add a note that you recommend that US customers use Google Checkout instead of Paypal.

    8. Re:Two Words by Yvan256 · · Score: 3, Informative

      The point is: you need to be in the USA or the UK to have a Google Checkout account in the first place.

    9. Re:Two Words by Anonymous Coward · · Score: 0

      I just make sure I don't keep my money there.

      THIS is what is key about using PayPal -- it's not difficult to keep the money moving out of the account; I never keep more than about a $60 float. That way, if they lock the account, I'm not out that much.

      However, that wouldn't help in this situation, where people are shoveling money into the account. The activity probably fired one of PP's money laundering rules, and they have to do a pretty detailed audit before they release an account after that happens.

    10. Re:Two Words by Anonymous Coward · · Score: 0

      A few more words about Google Checkout: works only in US.

      I am quite sure that I have been using Google Checkout in the uk for over 3 years for purchases. Unless you're referring to creating a business account or something, where I have no experience, I think the part about the UK at least is incorrect.

    11. Re:Two Words by Anonymous Coward · · Score: 0

      I sell my software using Google Checkout. I haven't looked at the exact numbers, but I'd say 90% of my sales come from overseas. I've never had a problem, although they do take more commission for a non-US sale.

    12. Re:Two Words by Skal+Tura · · Score: 1

      Same here, will adopt Google Checkout as one of the payment methods the moment it goes global, and welcome it with big fanfare, excepting more business :)

      Btw, google checkout is available only to business in US, but accepts payments globally.

    13. Re:Two Words by shutdown+-p+now · · Score: 1

      I think he meant that you have to be in US to receive payments via Google Checkout (no idea if it's true or not, though).

    14. Re:Two Words by Mizery+De+Aria · · Score: 0

      Two syllables: Bitcoin

      --
      If you're religishitty, KILL YOURSELF!
    15. Re:Two Words by Mizery+De+Aria · · Score: 0

      "checkout Bitcoin" ^_^

      --
      If you're religishitty, KILL YOURSELF!
    16. Re:Two Words by Anonymous Coward · · Score: 0

      Google checkout is not US only. I was able to pay with Google Checkout from Canada. UK also works. etc..

      Dual checkout, paypal or google would work very well... I always prefer Google.

    17. Re:Two Words by MChisholm · · Score: 1

      HEY GUYS! I heard there's an alternative to PayPal....can't remember the name though. Can anyone help me out? I swear I just heard about it from like, five or six people. Something like CoinOp...or CoinBite....

    18. Re:Two Words by clem · · Score: 1

      Whereas with PayPal, a real live human will be on the phone within moments to inform you how fucked you are.

      --
      Your courageous and selfless spelling corrections have made me a better person.
    19. Re:Two Words by Anonymous Coward · · Score: 0

      They're not mutually exclusive.

    20. Re:Two Words by doctormetal · · Score: 1

      I can perfectly do Google checkout payments from here in Holland. It is not US only, but not yet supported everywhere.

    21. Re:Two Words by Anonymous Coward · · Score: 0

      Coin Operated Boy by The Dresden Dolls?

    22. Re:Two Words by Yvan256 · · Score: 1

      You were able to pay from Canada, but Google Checkout is USA and UK only for the business itself.

    23. Re:Two Words by Falconhell · · Score: 1

      WTF, I have used google checkout in Australia many times for overseas purchases.

    24. Re:Two Words by Kalriath · · Score: 1

      This is wrong. You must be in the US or UK to sell with Google Checkout. Purchasing using Google Checkout is available to many countries.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    25. Re:Two Words by Kalriath · · Score: 1

      Actually no, you heard it from that one Bitcoin employee, ten times.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    26. Re:Two Words by KitsuneSoftware · · Score: 1

      I use Kagi to sell my games. There are many other alternatives besides PayPal, Google, Worldpay, etc., and I'd recommend all small digital-distribution studios compare all of them and their reputations instead of just going with PayPal because they've heard of it.

  17. Typical PayPal behavior :( by mackinaw_apx+ · · Score: 1

    Sadly, this is quite typical PayPal behavior. The best thing you can do is AVOID PAYPAL AT ALL CO$T$... unless you like being nickle and dime'd and hassled around. And they wonder why so many of their users talk sh!t.

  18. paypal bad business practices by Anonymous Coward · · Score: 0

    My boss and I started a small company 8 years ago or so .. One of our first transactions was 4 high end Sun processors for about 10K.
    Paypal held our money for close to a month.

    The excuses they came up with were crap every one ..
    We were going to drive to Omaha ( or somewhere in Nebraska ) to work this out ..

    what a load of crap

  19. Maybe we have our answer? by spun · · Score: 2, Insightful

    Okay, so yeah. That seems like a LOT of money to be traveling through the accounts of an alpha indie game. Maybe Paypal had real reasons to suspect something fishy was going on.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Maybe we have our answer? by Bigjeff5 · · Score: 4, Insightful

      So being successful is now funny business?

      That's utter bullshit. And they should know by now that it is not funny business, it's a popular game developed by one or two people. It can happen you know.

      --
      Security is mostly a superstition... Avoiding danger is no safer in the long run than outright exposure. - Helen Keller
    2. Re:Maybe we have our answer? by spun · · Score: 2, Insightful

      Straw man. I never said it was because he was successful, but picture this: a small indie game making a few hundred bucks a week suddenly gets a 600,000 euro deposit. What does that look like to you? Paypal has a legal duty to prevent money laundering.

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    3. Re:Maybe we have our answer? by ktappe · · Score: 2, Insightful

      Okay, so yeah. That seems like a LOT of money to be traveling through the accounts of an alpha indie game. Maybe Paypal had real reasons to suspect something fishy was going on.

      It's none of their darned business to unilaterally claim something fishy is going on unless there is a complainant. It doesn't sound as if there is one in this case so they should keep their paws off until there is a cause to freeze the account.

      --
      "We can categorically state we have not released man-eating badgers into the area." - UK military spokesman, July 2007
    4. Re:Maybe we have our answer? by spun · · Score: 0, Flamebait

      While this is undoubtedly true, it is also true that wise people do not funnel 600,000 euros through Paypal to fund their startup.

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    5. Re:Maybe we have our answer? by oldspewey · · Score: 3, Interesting

      Banks routinely monitor accounts for "suspicious activity" and suspend those accounts until they can confirm what's going on. I've had credit cards locked because a fraudster started charging a series of gas station transactions in a city several hundred kilometres from where I live. I got in touch with the bank, straightened the mess out (in this case by having a new card issued), and was on my way. I've has credit cards locked because I myself made a series of unexpected and large transactions overseas. I got in touch with the bank, straightened the mess out (by asking them to please unlock my card), and was on my way.

      This is all done via automated algorithms that scan for patterns of activity that don't match the norm - however it is they choose to define the norm.

      The difference here is that PayPal is holding on to actual cash (rather than suspending a credit card account), and that PayPal is notoriously opaque and difficult to deal with (while my banks were easy to reach and easy to talk to).

      --
      If libertarians are so opposed to effective government, why don't they all move to Somalia?
    6. Re:Maybe we have our answer? by Haffner · · Score: 1

      But not, of course, to prevent theft.

      --
      "Going to war without the French is like going deer hunting without your accordion." ~General Norman Schwarzkopf
    7. Re:Maybe we have our answer? by Pluvius · · Score: 1

      Where in the hell could you possibly get the idea that this 600k balance was from a single transaction?

      Rob

    8. Re:Maybe we have our answer? by spun · · Score: 2, Insightful

      Exactly. What does preventing theft get Paypal? They have their cut already. This was because 600,000 euroes went into the account, not because 600,000 euroes went out of it. Where's the profit in freezing an account with nothing in it?

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    9. Re:Maybe we have our answer? by spun · · Score: 2, Interesting

      I was pretty clear that I was speculating. It just seems very odd for that much money to be coming from sales of an alpha release indie game.

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    10. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      He didn't. A month or so ago the game started getting lots of exposure on different forums, was mentioned in blogs and there was an interview with the developer on a gaming website. Sales picked up, Paypal froze the account and since then the 600k have accumulated. He transfered the money to his bank account every week before Paypal locked him out.

    11. Re:Maybe we have our answer? by simplypeachy · · Score: 1

      "We can categorically state we have not released man-eating badgers into the area."

    12. Re:Maybe we have our answer? by compro01 · · Score: 2, Interesting

      Not when said game got featured on the TF2 developer's blog a couple months ago. It's been spreading like wildfire since then. 60k sales isn't that surprising.

      --
      upon the advice of my lawyer, i have no sig at this time
    13. Re:Maybe we have our answer? by spun · · Score: 1, Interesting

      I'm sorry, but no game in the history of the world has made 600,000 euros in monthly sales. That translates to about 10 million dollars a year. Starcraft has made about 11 million in its twelve year publishing history.

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    14. Re:Maybe we have our answer? by Skal+Tura · · Score: 1

      And i thought PP holds digital funds, paid using credit cards 99% of the time. Not actual bills of cash.
      I also thought that when you pay using a credit card, you got to also eventually give cold hard cash away to keep that said credit.

      Since when using a credit card for payment is not spending REAL money?

    15. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      Maybe they should look into the reason why it is making so much money? Maybe all of the mentions and endorsements from well known companies around the web? (Valve, Bethesda) Paypal should have someone do the research. Maybe pick through Notch's blog, and see when his sales have been spiking, and WHY.

    16. Re:Maybe we have our answer? by Anonymous Coward · · Score: 2, Informative

      I'm sorry, but no game in the history of the world has made 600,000 euros in monthly sales. That translates to about 10 million dollars a year. Starcraft has made about 11 million in its twelve year publishing history.

      That sounds convincing, until anyone realizes you're just wrong. Welcome to 2010, Starcraft 2 did $180 million it's first month:
      http://gamrconnect.vgchartz.com/thread.php?id=115420
      Paris, FRANCE – Septebmer 1, 2010 – Blizzard Entertainment, Inc. today announced that StarCraft® II: Wings of Liberty has sold over 3 million copies worldwide in the first month of its release, building on the game’s momentum as the bestselling PC game of 2010 and the fastest-selling real-time strategy game of all time.

    17. Re:Maybe we have our answer? by oldspewey · · Score: 1

      The main difference as I see it:

      • When my CC company suspends my account for a few hours or days, the maximum "loss" suffered by me is the inability to buy shit until we get it sorted out. If my CC company and I never manage to sort out our differences, my biggest loss is that I need to go apply for a new card somewhere else.
      • When PP suspends an account for a few days or weeks or months, the maximum "loss" suffered is a potentially large amount of interest until the account is unfrozen and the money can be withdrawn and placed where it has earning potential. If PayPal and I never manage to sort out our differences, my biggest loss is every single penny of the money in that account.

      But aside from that, there is no difference.

      --
      If libertarians are so opposed to effective government, why don't they all move to Somalia?
    18. Re:Maybe we have our answer? by spun · · Score: 0, Flamebait

      So you are claiming that it would not be unusual for an alpha release indie game to make over 600,000 euros a month in sales? I'm in the wrong business!

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    19. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      It's not a fucking one of 600,000 euro deposit. It's build up over time, the dev has been on vacation and the account was locked, so that money is the build up of over 4000 sales per day in some cases. I understand that PayPal has a responsibility but even so, there are many cases where they just fuck people over.

    20. Re:Maybe we have our answer? by hedwards · · Score: 1

      Capitalone does that, however, they've got their system down to the point where it's really quick and the information that they're looking for is made clear. There's nothing wrong with Paypal being vigilant, but refusing to refund the money and failing to provide a clear request for specific information is dickish.

      It wouldn't surprise me if they wind up on the losing end of an anti-trust suit in the near future. It's pretty clear that they're abusing their dominant position to steal from their customers. I'm not sure what else you would call it other than theft. They're taking the money from customers who give it to them in good faith that they will pay whomever they were wanting to pay and instead PayPal is converting the ownership of the money to themselves.

    21. Re:Maybe we have our answer? by spun · · Score: 1

      And I'm not claiming Paypal wasn't just fucking him over. But the story says he has been keeping the account cleared out and this is one month's worth of sales. We've heard one side of this story.

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    22. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      If you were able to read, you would know it wasn't a sudden 600k euro deposit.

      But hey, why read when you can just spew shit?

    23. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      How did that get modded interesting?
      I mean think about it, every single piece of information in the post is wrong.
      First of all plenty of games make that kind of money in their strongest month. The average game sells for 60 euros and even if we only take 10 like the Minecraft guy than that means no game in the history of the world sold more than 60,000 copies in one month. That's obviously false.
      Secondly the notion that a good month of sale would automatically translate into continuing sales over time. Spun always cites the 11 million copies Starcraft sold in 12 years, although to be exact he believes the game made 11 million dollars in that timeframe, which translates into roughly 75k sales per month on average. Obviously they didn't sell that on average. They sold millions right after release and the rest trickled in over the years.

    24. Re:Maybe we have our answer? by PhunkySchtuff · · Score: 1

      Blizzard have something like over 11 million subscribers. Let's say that each of them are paying $10 per month. (It's $15 for month-to-month payments, and as low as $13 per month if you buy a 6 month block) That is a revenue stream of 110 Million Dollars per month. That's over 85 million Euro per month. 600k per month is a drop in the ocean compared to this.

    25. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      If they're doing 60k transactions in a year they can get better transaction rates with real payment processors. That's the problem with 1 man shows I guess, you don't have someone who's business savvy when your business takes off.

    26. Re:Maybe we have our answer? by Nyder · · Score: 1

      Straw man. I never said it was because he was successful, but picture this: a small indie game making a few hundred bucks a week suddenly gets a 600,000 euro deposit. What does that look like to you? Paypal has a legal duty to prevent money laundering.

      Looks to me like a business start up. Seeing as before paypal withheld their money and they made that announcement.
      http://notch.tumblr.com/post/1075326804/hiring-some-people-getting-an-office-and-all-that

      Which is on the article, that I guess you didn't read.

      Dang, don't recall your posts from before today, but your seriously a negative person.

      --
      Be seeing you...
    27. Re:Maybe we have our answer? by oji-sama · · Score: 1

      He never said that it isn't unusual, only pointed out that the numbers you were using were not correct. Picture this: An indie game gets featured and recommended 'everywhere'. In this case, would it be unusual for the game to get more than 60,000 sells? (For comparison on a different scale Halo 3 had 1,700,000 pre-orders).

      Even if PayPal automatically flagged the account as 'unusual', when they checked it, a single minute (or less) with Google should have told them that this was legit.

      --
      It is what it is.
    28. Re:Maybe we have our answer? by Anonymous Coward · · Score: 0

      Dang, don't recall your posts from before today, but your seriously a negative person.
      I do. He is.

    29. Re:Maybe we have our answer? by BillyWM · · Score: 1

      Why is it suspicious just because it's indie? You need permission to be successful? You need signed authorization from the big name players in the industry in order to make something people like? You have to register for a Fun License before you're allowed to distribute Fun(tm) to the masses?

      It's sickening to me that people keep saying this, this complete antithesis of the "American Dream", and ideal that you all love to go on about with hollow praise. You shouldn't have to go through proper channels to be liked and respected. What Notch is doing is exactly how the world should work: Some cool dude makes something he likes without pre-screening his ideas through focus groups or begging publishers to allow him to do something that's actually interesting rather than soul-less and derivative, and the fans throw money at him in support (Disclosure: Yes, I bought it. Months ago, back in March)

      Let this be a lesson to you that not everything is accessible on search engines, and you are not a God at your computer with the world at your fingertips. Most of the hype over Minecraft isn't archived, because 4chan's /v/ was instrumental in propelling it to massive success, and 4chan threads are deleted within hours

      You guys are just out of the loop, that's all; You and PayPal employees both. There's nothing fishy about your obliviousness to this piece of internet culture. Minecraft is about as sinister and underground as lolcats and rickrolling.

      But anyway, the problem with this isn't so much that they're oblivious to who he is and that he's obviously NOT a money laundering mobster cleverly disguised as a 4chan superhero hiding his activities in plain sight. (Fine, so their fraud-checking bureaucracy is slow and overburdened, whatever, that's business for you!) No, what is enraging is that they even consider attempting to hijack 750,000 USD. For that, they need to be destroyed. Their empire needs to be neutered, they are a menace to society. They have far too much power. They're acting like they're an arm of the government, except unlike the recent wiretapping case with the telecoms, nobody appointed them as such.

  20. have not used paypal in 3 or 4 years by Dan667 · · Score: 1, Interesting

    anyone doing any kind of business that generates real money should get setup with credit card processing or some type of real bank. On top of randomly screwing people, paypal also nickle and dime people to death. Never will use paypal again.

    1. Re:have not used paypal in 3 or 4 years by pz · · Score: 2, Insightful

      anyone doing any kind of business that generates real money should get setup with credit card processing or some type of real bank. On top of randomly screwing people, paypal also nickle and dime people to death. Never will use paypal again.

      Absolutely true. I run a conference where we allow registrations by credit card (actually, we strongly encourage registration by CC, because all other forms of payment except cash are a massive pain). We looked long and hard at different options and while PayPal's merchant processing was one possibility, we went with a standard merchant account through FirstData / Citibank. Never been happier. Excellent service. Clear-as-a-bell charges, although somewhat intricate, and good code support for those who either want to roll their own payment, or integrate with standard shopping carts. The cost was less than PayPal, and the terms better. And that was for our event that processes under USD 50,000 per year.

      Why, at the commercial level, anyone would use PayPal, even their so-called professional level service, is beyond me.

      --

      Put my fist through my alarm clock with its ding-dong death inside my ear. - The Blackjacks.
    2. Re:have not used paypal in 3 or 4 years by savanik · · Score: 1, Insightful

      Same situation here - running a conference, needed to allow registrations by credit card. Our primary method of payment is Google Checkout. Main difference: A large percentage of our attendees insisted we support PayPal - so we have a PayPal account that we keep at a zero-dollar balance. When people send us money via PayPal, we immediately transfer it out of that account and to our bank. All of our actual money is held at our real, stable, brick-and-mortar bank.

      For fear of precisely this reason. If I had enough support in our fanbase, I'd drop PayPal like a dead cat.

    3. Re:have not used paypal in 3 or 4 years by Bigjeff5 · · Score: 1

      That can be extremely expensive, though, particularly if your individual sales tend to be small. Visa, for example, takes a 5-10% cut and has a minimum fee for each transaction. When you're selling something for $1-$2 that can mean 25%-50% of the entire sale just for credit card processing. I believe there are also annual fees and setup costs. It basically doubles a small operation's cost to do business just to be able to take credit cards.

      I don't know what Markus is charging for his game, but since it's an Alpha version I imagine it's not more than a couple bucks.

      --
      Security is mostly a superstition... Avoiding danger is no safer in the long run than outright exposure. - Helen Keller
    4. Re:have not used paypal in 3 or 4 years by lowrydr310 · · Score: 2, Insightful

      You should still be careful with that; once you withdraw it, immediately transfer it from your paypal-linked bank to a different bank since PayPal has that bank information and could easily reverse a charge.

    5. Re:have not used paypal in 3 or 4 years by pz · · Score: 1

      Same situation here - running a conference, needed to allow registrations by credit card. Our primary method of payment is Google Checkout. Main difference: A large percentage of our attendees insisted we support PayPal - so we have a PayPal account that we keep at a zero-dollar balance. When people send us money via PayPal, we immediately transfer it out of that account and to our bank. All of our actual money is held at our real, stable, brick-and-mortar bank.

      Sweep your balance into another account, ideally at a different bank. PayPal has been known to reach into bank accounts and withdraw money. I have not understood under what pretext that is possible, but imagine that somewhere buried in the terms and conditions fine print you allow them to do just that.

      --

      Put my fist through my alarm clock with its ding-dong death inside my ear. - The Blackjacks.
    6. Re:have not used paypal in 3 or 4 years by Skal+Tura · · Score: 1

      Because a regular merchant account is harder to get, and setup initially. Also, a lot of consumers actually prefer Paypal, and simply having Paypal as option is guaranteed to increase conversion rate and overall revenue.

    7. Re:have not used paypal in 3 or 4 years by Anonymous Coward · · Score: 0

      You should still be careful with that; once you withdraw it, immediately transfer it from your paypal-linked bank to a different bank since PayPal has that bank information and could easily reverse a charge.

      They still might try and reverse the charges sticking you with an overdraft.

    8. Re:have not used paypal in 3 or 4 years by Anonymous Coward · · Score: 0

      What you're describing has minimum monthly fees, higher rates, and lots more red tape. It's not for small businesses (but if you're making over a few grand a month, then yeah, time to step up to a credit card "commerce" account).

    9. Re:have not used paypal in 3 or 4 years by soundguy · · Score: 1

      Actually, Visa takes only a fraction of a percent. Visa is NOT the processor or the card issuer. They're strictly a licensing & regulatory body that skims a little off of each sale for the use of their name. Most of the "processing fees" go to the card-issuing bank, the processing gateway, and the merchant bank. For small merchants who can't get a real merchant account directly from a bank, there can also be a 3rd-party aggregator in there too, which typically adds about 10% to the cost. (e.g. CCbill charges about 14.5% plus a transaction fee the last time I checked)

      --
      Nothing worthwhile ever happens before noon
    10. Re:have not used paypal in 3 or 4 years by Dan667 · · Score: 1

      only if you accept a bad deal from a card processor. Just like credit cards, there are good ones and bad ones.

    11. Re:have not used paypal in 3 or 4 years by pz · · Score: 1

      Because a regular merchant account is harder to get, and setup initially. Also, a lot of consumers actually prefer Paypal, and simply having Paypal as option is guaranteed to increase conversion rate and overall revenue.

      Really? The acceptance rate for various services I was looking into were in the 95% and above range. Doesn't seem that hard to get a merchant account, and given that a business is being transacted (EUR 600,000 gross is a non-trivial amount of money that most banks would be VERY happy to have on deposit and I'm certain many merchant houses would be happy to get their 2-3% of), it would seem reasonable to get a proper merchant account rather than PayPal.

      I would like to see an independent study showing that processing through PayPal versus a merchant account increases revenue, and that "a lot of consumers actually prefer PayPal." Sounds too much like that's what PayPal would like you to believe rather than reality.

      For a merchant, the certainty is that PayPal is more expensive (about 4% when all is said and done for us, compared with 3% with FirstData/Citi) and has more onerous terms. I can speak with numbers and figures and facts from our review of earlier this calendar year.

      In terms of setting up a merchant account, it just isn't that hard. Really. It's about as hard as opening a normal savings / checking account. Even though our business was brand new (with zero history) and was expecting to do less than USD 50,000 in gross receipts, I had merchant providers falling over me to get us signed up.

      And now that I think back on the experience, it was significantly harder to get someone at PayPal to answer questions.

      --

      Put my fist through my alarm clock with its ding-dong death inside my ear. - The Blackjacks.
  21. PayPal has done this forever by rotide · · Score: 4, Informative

    PayPal is infamous for this.

    Years ago, when I pulled my account information from them it was "common" knowledge in the eBay scene that if you were a seller and a buyer claimed it was a fraudulent sale, PayPal would pull the refund directly from your PayPal account without notice. If the funds were not in your PayPal account, they would pull it from your linked checking account, again, without notice.

    The common strategy was to setup a second "dummy" checking account and link PayPal to that one. Whenever you had money in your PayPal account above a certain amount, pull it into your "dummy" account and then transfer the full balance _out_ of that account into one that isn't linked to PayPal.

    Why someone would trust PayPal, who isn't a bank, with well over half a million dollars is beyond me.

    For some interesting stories, paypalsucks.com

    1. Re:PayPal has done this forever by lwsimon · · Score: 2, Informative

      I do this, to this day, for my eBay store. *Everyone* I know who uses PayPal for business has been burned to one degree or another.

      --
      Learn about Photography Basics.
    2. Re:PayPal has done this forever by TooMuchToDo · · Score: 3, Insightful

      THIS. THIS. THIS. I own a fairly decent sized hosting business (several million dollars a year in revenue). We take Paypal as a payment option, but despise them. We have a seperate business checking account solely tied to our Paypal account, and we sweep our paypal balance into our checking account every 1-2 days (and have our bank set to move any money in the paypal checking account to our operating account not tied to paypal). Never. trust. Paypal.

    3. Re:PayPal has done this forever by MozeeToby · · Score: 4, Interesting

      Why someone would trust PayPal, who isn't a bank, with well over half a million dollars is beyond me.

      I don't think they did, the summary makes it sound like they kept the balance low but have been locked out of their account for whatever reason and since they were locked out 600,000 Euros (actually more than 3/4 of a million dollars!) has come into the account. They've had no way to remove it, no way to prevent the money coming in short of shutting down their operation, and no way outside of PayPal's customer service to resolve the situation. Honestly, it's almost criminal (or maybe even is criminal, I don't know).

    4. Re:PayPal has done this forever by Nadaka · · Score: 2, Insightful

      Exactly, how can they "lock" an account and still allow incoming deposits? It is ridiculously stupid behavior at best.

    5. Re:PayPal has done this forever by Anonymous Coward · · Score: 0

      Just an FYI: Notch didn't trust them with 600k. He'd actually been withdrawing money from them pretty consistently. That €600,000 is money that has built up in there since they prevented him from withdrawing any...only 16 days ago. Yup, €600,000 in 16 days. He's raking it in; commanding an awesome gaming concept but isn't able to actually get paid for it because Paypal have decided they want to suck.

    6. Re:PayPal has done this forever by Skal+Tura · · Score: 1

      How large pct of your payments/revenue is via Paypal? I assume quite large likely.

    7. Re:PayPal has done this forever by TooMuchToDo · · Score: 1

      ~6% of total monthly revenue. We've tried offering discounts for using a credit card directly or Google Checkout, but some people just prefer Paypal (and we prefer the business vs turning them away to someone who would take Paypal). *sigh*

    8. Re:PayPal has done this forever by hasdikarlsam · · Score: 2, Insightful

      No, it's ridiculously lucrative behaviour.

    9. Re:PayPal has done this forever by Anonymous Coward · · Score: 0

      Wouldnt it be cheaper, easier, and better to setup a real merchant account with visa? If you are raking in millions paypal is probably raking you (and your customers) over the coals with fees.

      Paypal is good for small sub 500 dollar business (and you should still do the same). However, higher than that it quickly devolves into a horrid mess and you are trusting someone who over the years has shown they have bad service.

      It is meant to be individual to individual. Using it for real business transactions really goes beyond what it was originally designed for...

    10. Re:PayPal has done this forever by cbhacking · · Score: 1

      Sounds criminal to me - person X is paying person Y for something, and company Z is moving in and intercepting the money from this legitimate business transaction. That's about as legal as a store checkout clerk pocketing all your cash rather than putting it in the till - only difference in that case is that it's a lot easier for a business (the store) to go after an individual (the clerk) for stealing than it is when the positions are reversed.

      Even if you can't get a criminal case, this has lawsuit written all over it. The better part of a million dollars US is plenty to get some strong legal support, and they have the best of motivations; you can't pay them unless they get your money back for you. Yeah, you end up with less than you might have otherwise had, but you also end up with more than nothing.

      --
      There's no place I could be, since I've found Serenity...
    11. Re:PayPal has done this forever by TooMuchToDo · · Score: 1

      We *do* have a credit card merchant account. Some people *still* want to pay with Paypal. *shrugs*

    12. Re:PayPal has done this forever by megalomaniacs4u · · Score: 1

      some people don't have any credit cards or even any other kind of card a card processor would accept.

    13. Re:PayPal has done this forever by Anonymous Coward · · Score: 0

      600,000 Euros (actually more than 3/4 of a million dollars!)

      I think you may need your math organ examined. :)

      1/1 million = 1 000 000
      3/4 million = 0 750 000
      2/3 million = 0 666 666
      1/2 million = 0 500 000

      If 600 000 > 750 000 then someone has probably divided by zero.

    14. Re:PayPal has done this forever by jtev · · Score: 1

      It's called an exchange rate. You seem to be assuming that 1 euro= 1 dollar. where as the exchange between the Euro and USD is non-unity. Thank you, have a nice day.

      --
      That which is done from love exists beyond good and evil
    15. Re:PayPal has done this forever by AK+Marc · · Score: 1

      Years ago, when I pulled my account information from them it was "common" knowledge in the eBay scene that if you were a seller and a buyer claimed it was a fraudulent sale, PayPal would pull the refund directly from your PayPal account without notice. If the funds were not in your PayPal account, they would pull it from your linked checking account, again, without notice.

      Years ago, before I stopped dealing with PayPal, it was "common" knowledge that PayPal wouldn't refund anyone's money for any reason. Sure, they'll take it from fraudulent seller, or freeze it, or whatever. But the buyers wouldn't get it. I know I reported a fraudulent sale (the standard sell a common thing, sell it for a reasonable amount, if the person demanded insurance, charge so much for it that you'd get a profit no matter what the sale price, and if they don't buy the insane priced insurance you quote, don't send it and claim that you aren't responsible because they didn't insure it). At least I (and my credit card company) know that it's not a sale until it arrives. The sellers have to have tracking to guarantee the buyer gets it, else the buyer can claim they didn't get it, insurance is only supposed to cover if it arrives, but damaged, not if it never arrives (as far as the perspective of the value of buying insurance as the buyer, not the literal coverage). Plus, insurance is stupid for the buyer to pay for because they aren't insured. Like mortgage insurance insuring the finance company, not the borrower, but they send the bill to the borrower. That just seems wrong to me, and having had a broken item sent to me, not being the person insured, it was impossible to get anything done. I should have immediately sent the broken parts back and reversed the charges like I did with the fraudster who PayPal wouldn't refund my money with.

      So yeah, sellers may hate PayPal, but buyers hate them as much or more. They should be called a bank by the government and held to those requirements.

    16. Re:PayPal has done this forever by AK+Marc · · Score: 1

      How does one pay with PayPal who doesn't have a checking account or credit card? Or are the people that use PayPal just people with checking accounts without credit cards who are willing to let PayPal have 100% access to their checking account in order to save the trouble of sending a check?

    17. Re:PayPal has done this forever by Anonymous Coward · · Score: 0

      You did miss classes again?

      3/4 * 1.000.000 = 750.000

      His balance 600.000

      600.000 750.000

      So where does he have over 3/4?

  22. Has anyone asked.... by pastafazou · · Score: 4, Insightful

    ....how the hell the guy made €600,000 from Minecraft?

    1. Re:Has anyone asked.... by He+who+knows · · Score: 1

      considering the front page says "Minecraft is a game about placing blocks while running from skeletons. Or something like that.. Here, watch this video of me testing rollercoasters in the game instead:" I cant figure out what the game is about let alone how an indie developer made €600,000 from an alpha version of their game.

    2. Re:Has anyone asked.... by poity · · Score: 1

      I assume it happens to be a fun game

      --
      your thin skin doesn't make me a troll
    3. Re:Has anyone asked.... by AndrewNeo · · Score: 4, Insightful

      Well, first you put something out there people want to play, then people like me pay 10EUR for it, and ...

    4. Re:Has anyone asked.... by robmv · · Score: 2, Insightful

      probably he found a big gold vein while mining

    5. Re:Has anyone asked.... by Beelzebud · · Score: 3, Funny

      I know, right? I thought ALL PC gamers just pirated games!

    6. Re:Has anyone asked.... by rekenner · · Score: 1

      It being popular on 4Chan, LueLinks, and Something Awful is a pretty easy answer.

    7. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      It's not the first time an indie sandbox game sells good. Ask Garry Newman, he might have an answer.

    8. Re:Has anyone asked.... by Kristopeit,+M.+D. · · Score: 1
      micropayments. i ran a game with 100,000+ users, and generally asking them to pay something like $1/month is something they are happy to do. due to paypal's per transaction fees of $.25+, i'd only end up seeing about $.65 for each individual $1 transaction, but then you offer deals like 40 credits for 20 or 15 credits for 10, and you make the same amount of money and give more to the users... win-win.

      the only problem is you're setting yourself up for paypal to pull the money out from under you, or people using stolen cards and then you eat the fees going both ways and have to reverse everything the user did in the game, or lawyers get involved and they suck up whatever is left.

    9. Re:Has anyone asked.... by KozmoStevnNaut · · Score: 1

      This thread on SomethingAwful about Minecraft has almost 22000 posts from July 2nd until today, September 10th, every single one of them about Minecraft. The game is easy to pick up, friendly graphics and is a great outlet for creativity, that's why it's such a roaring success.

      Notch (the developer) has been in talks with Valve, it's amazing what just one guy with a knack for programming can do.

      --
      Eat the rich.
    10. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      Yeah, that's what I was wondering! Maybe he IS just trying to scam PayPal...

    11. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      how the hell the guy made €600,000 from Minecraft?

      No. We're busy exercising our hatred of PayPal.

    12. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      Have you played the game? It's as amazing as when Doom first came out. It's treading new ground that has excited the entire industry. The guy should have made 20x this amount already for how good this game is.

    13. Re:Has anyone asked.... by Angst+Badger · · Score: 2, Funny

      Or why, with 600,000 in revenue, he's even using PayPal at all instead of just getting a merchant account with a real bank? Hell, *I* did that with a project that ended up making a whopping $750.

      --
      Proud member of the Weirdo-American community.
    14. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      ....how the hell the guy made €600,000 from Minecraft?

      And why he doesn't hire a lawyer immediately to force Paypal to give him his money.

    15. Re:Has anyone asked.... by Dr_Barnowl · · Score: 1

      Looks like a 3D first person Dwarf Fortress, so it's a vast complex sandbox game with lots of cool stuff.

    16. Re:Has anyone asked.... by Hadlock · · Score: 1

      I think a lot of people don't realize that it's a ~20 minute process and less than $50 to get a merchant CC account setup. But then again that's why this minecraft developer hired an office manager, because he's obviously a very talented programmer, but lacking in the necessary business skills.

      --
      moox. for a new generation.
    17. Re:Has anyone asked.... by Jack9 · · Score: 1

      Has anyone asked....how the hell the guy made 600,000 from Minecraft?

      Paypal did. Has anyone asked, why you would think this story was worth commenting on without knowing about Minecraft and its popularity?

      --

      Often wrong but never in doubt.
      I am Jack9.
      Everyone knows me.
    18. Re:Has anyone asked.... by MikeBabcock · · Score: 1

      He was involved in the creation of Wurm Online before Minecraft as well. He did fantastic things as a one-man army working on that client to do things that hadn't been done before in cross-platform 3D Java gaming.

      See also notch on pcgamer.

      --
      - Michael T. Babcock (Yes, I blog)
    19. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      I played the free version, and it seemed to involve a lot of block breaking and climbing upwards. I do not understand.

    20. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      a) It's a good game

      b) Valve gave it some free publicity a few weeks back

    21. Re:Has anyone asked.... by Silas+is+back · · Score: 2, Insightful

      Yes, this is about the 4th time I hear about such a thing on big news sites, guess this must happen very often.

      --
      this sig is useless
    22. Re:Has anyone asked.... by Raenex · · Score: 1

      From where? Given the potential for fraud, that's a suspiciously lightweight process.

    23. Re:Has anyone asked.... by TigerTime · · Score: 1

      I think that's what PayPal is trying to figure out.

      Seriously though, I think PayPal is often a medium for people trying to funnel money/launder it. They see an account go from a little action here and there, and then bam in a short period of time it goes to half a million? Of course red flags are going to go up. And they're not going to just pay the guy his money if they don't know its legit. They don't want to be on the hooks with the banks if it's some guy who has run a scam.

      Yes, they game him a two week window, but it's not going to take that long. They just want to be on the safe side of expectations. My guess is it'll take a few days to make sure everything is kosher, and he'll get his money.

      I guess i don't see it as that big a deal considering the circumstances. There are alot of shitheads out there stealing CC numbers and hacking accounts, that they're forced to play it safe. If they just start paying out people without investigating the abnormal transactions, then they'll be out of business with all the money they'd be on the hook for from all the scams.

    24. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      I am skeptical about €600,000 being the actual amount, but I'd be more than happy to buy the game a second time if my payment was one of the withheld transactions.

    25. Re:Has anyone asked.... by Hadlock · · Score: 2, Informative

      Just google "credit card merchant account" and most terms for internet only merchant accounts is something like $15/mo + flat $0.30/ transaction + 2% of the gross amount. They all have 1-800 numbers with live, english speaking (native speakers, even).. it's pretty legitimate, and has been around for quite some time. Many of them have free plugins to use with your Drupal site, etc to use. It might have been rocket science in 2003 but it's just a set of credentials, a piece of code, and a bank account number now.

      --
      moox. for a new generation.
    26. Re:Has anyone asked.... by Raenex · · Score: 1

      Thanks. I'm surprised it has progressed to this level of fluidity.

    27. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      So one player can go mad, skin the baron of the server, use his hide to make some leader armor that'll be worn by said baron's son as he fights off hell demons he released from the depths of the world?
      And Dwarf fortress IS 3D.(since a couple of years ago)
      No. There's really not much genre crossing here.

    28. Re:Has anyone asked.... by ELCouz · · Score: 1

      Well from wikipedia it looks that many people love that game! On January 12, 2010, the number of registered users reached 100,000.[15] As of September 2010, it has surpassed 600,000 registered users and 130,000 purchases.[16]

    29. Re:Has anyone asked.... by chewthreetimes · · Score: 1

      Yeah, maybe Pay Pal had a look at the Minecraft site and figured nothing a site this shitty is selling could make this much money. Something's gotta be rotten here. And if it was anyone other than Pay Pal, I'd probably believe that too.

    30. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      No, we support the indie market because they haven't given up on us and they make good games at times. Also, this money all hit suddenly, minecraft wasn't making enough before to justify going to a real business model and not using paypal.

    31. Re:Has anyone asked.... by Nyder · · Score: 1

      ....how the hell the guy made €600,000 from Minecraft?

      The same reason that people spends hours playing farmville or mafiawars.

      --
      Be seeing you...
    32. Re:Has anyone asked.... by Anonymous Coward · · Score: 0

      considering the front page says
      "Minecraft is a game about placing blocks while running from skeletons. Or something like that..
      Here, watch this video of me testing rollercoasters in the game instead:"
      I cant figure out what the game is about let alone how an indie developer made €600,000 from an alpha version of their game.

      That description is precisely what the game is about. You place blocks and run from...... LOOK I JUST SET A FOREST ON FIRE!!!

  23. Why? by rhadamanthus · · Score: 1

    With the ridiculous number of stories and reports that have continually made it obvious that paypal screws people, I'm at a loss why anyone would use them for something this serious.

    I mean, I feel bad for him and all, but at the same time - what a ridiculously stupid thing to do.

    --
    Slashdot needs to interview Natalie Portman.
    1. Re:Why? by Anonymous Coward · · Score: 0

      You have no business sense. If you run a business and most of your customers are demanding Paypal "for their convenience" then what you do is you take the risk and offer Paypal. To do otherwise is turning away sales.

    2. Re:Why? by Anonymous Coward · · Score: 0

      What's ridiculously stupid? Aside from using paypal at all, and based on the money involved lots of people are willing to pay him via that.

      He withdrew the entire balance of the account every week. This 600,000 is only what has come in since the account freeze. I think as far as risk management goes, he's done all he can.

    3. Re:Why? by pastafazou · · Score: 1

      when you're first starting out, there's not a lot of options. The banks want to charge you hundreds of dollars up front, plus steep monthly fees. Paypal is free to start.

    4. Re:Why? by Mizery+De+Aria · · Score: 0

      I demand Bitcoin

      --
      If you're religishitty, KILL YOURSELF!
    5. Re:Why? by Anonymous Coward · · Score: 0

      Bitcoin is free too!

  24. amigabounty.net has similar problem by amigabill · · Score: 1

    The people running this site have been trying to contact Paypal but get no response in trying to get things sorted out. amigans.net thread about this

  25. Typical by sv_libertarian · · Score: 1

    Also, they are notoriously anti gun. I use gpal instead On the rare times I force myself to buy something on ebay, I try to pay without using paypal

    1. Re:Typical by lwsimon · · Score: 1

      I'd love to use gPal, but they aren't accepted on eBay, and they seem to be having some issues lately. I wish them luck in their transition to massmarket, though.

      --
      Learn about Photography Basics.
    2. Re:Typical by NevarMore · · Score: 1

      GPal has had some trouble too. Have they resolved the issue from two months ago when they weren't issuing payments to sellers?

  26. Explain it to me.... by Qubit · · Score: 5, Insightful

    Why does electronic fund transfer have to be so complicated?

    With my bank I can hop online and pay anyone in the world any amount of money. Well, they seem to limit it to how much I currently have in my account, and if the person I wish to pay does not have a real address (No "221B Baker Street + 2i" allowed), I'll have to hand deliver it instead of getting them to post it for free, but there's little limitation there.

    Oh, and did I mention that the whole thing doesn't cost me a cent?

    Heck, the only thing it's missing is a few features like:
    - The ability to transfer money anonymously (all the recipient would get would be a confirmation crypto hash or something, maybe something that I could reveal later in a court, but that they couldn't* pin on me)
    - The ability to make a storefront so all of the fund transfer went through "Qubit's Quantum Quickymart"
    - Better account management, and a way to group or tag business and bills vs. friends vs. impulse game purchases (The way GMail handles email is a good first shot at a UI)

    The bank isn't making money when I transfer funds, but they don't care -- they're already making money on the stuff I have sitting in their coffers.

    So why are we stuck with PayPal, which is pretty much a
    - Shady
    - Costly
    - Annoying
    - Duplicate service

    ??

    Hopefully some bank (or series of banks) will make this happen for us. Moving money around shouldn't be anywhere near this complicated!

    * Says the power of NP.

    --

    coding is life /* the rest is */
    1. Re:Explain it to me.... by thePowerOfGrayskull · · Score: 1
      I would say it's because of a few missing features like...

      - The ability to transfer money anonymously (all the recipient would get would be a confirmation crypto hash or something, maybe something that I could reveal later in a court, but that they couldn't* pin on me) - The ability to make a storefront so all of the fund transfer went through "Qubit's Quantum Quickymart" - Better account management, and a way to group or tag business and bills vs. friends vs. impulse game purchases

      Also, we have these to consider:

      Well, they seem to limit it to how much I currently have in my account, and if the person I wish to pay does not have a real address (No "221B Baker Street + 2i" allowed), I'll have to hand deliver it instead of getting them to post it for free,

      Finally - not giving my checking account data to strangers is a bonus. But that's just a hunch.

      (You really just wrote that entire post of things that your bank can't/won't do, then pointed out how paypal is a duplicate service? Though I agree w/ shady and costly...)

    2. Re:Explain it to me.... by JumpDrive · · Score: 2, Informative

      The only problem I can see is why would a bank go through this hassle.
      Currently they can just hold onto your money and put it into the Federal Reserve and make money.
      Why go through all the hassle of dealing with buyers and sellers.
      It's much more lucrative to them if the sale goes through a credit account also.

    3. Re:Explain it to me.... by Cederic · · Score: 1

      Interesting - which country are you in, and who is your bank?

      Just that it costs banks a lot of money to do transactions, and international transactions are particularly expensive.

      The bank isn't making money when you transfer funds, it's costing them money. It may be costing them less money than they're making on your account balances, and covering the cost of domestic transactions isn't unusual, but covering the cost of international transactions is very unusual.

      How do they deal with currency conversions? Or is that where they make their costs back, through their exchange rates?

    4. Re:Explain it to me.... by rm999 · · Score: 1

      Actually, almost any bank would hassle you about withdrawing 750,000 dollars unless they know who you are. Most people who deal with these sums of money have already proven to their bank that they are not scamming anyone, so this situation is somewhat unique. Once the developer sends them proof, he will never have to again.

      Deposit fraud is a huge problem, and costs banks millions of dollars a year. It can also be used to launder money, which is often attached with more serious organized crime. In the case of Paypal, it can be used to steal money (which has happened to me before)

      All banks do what Paypal is doing here. They usually just do it when you are opening an account.

    5. Re:Explain it to me.... by Late+Adopter · · Score: 1

      I can do that in the US, with my Bank of America checking account. It's part of the bill-pay service. Domestic only, though. For international transfers you have to do a wire transfer and pay a fee (actually some account holders, myself included, have that fee waived).

    6. Re:Explain it to me.... by Cederic · · Score: 1

      Clearly I don't hold a high enough balance to have had that service offered to me :)

      (Although in the UK there's a tradition of 'free' banking, so I pay my bank no money at all under most circumstances)

    7. Re:Explain it to me.... by TheTurtlesMoves · · Score: 1

      The point is that a lot of banks *are* doing this right now. All my banks do (2 EU countries and 1 abroad) as GP descried and more, and I have over minimum balances in each, so I pay *zero* fees. Most people here do not use paypal for ebay, they use direct transfer.

      --
      The Grey Goo disaster happened 3 billion years ago. This rock is covered in self replicating machines!
    8. Re:Explain it to me.... by TheTurtlesMoves · · Score: 1

      The money is *not* "seized" by a real bank if they "decide" there is "fraud". Law enforcement is involved.

      --
      The Grey Goo disaster happened 3 billion years ago. This rock is covered in self replicating machines!
    9. Re:Explain it to me.... by Anonymous Coward · · Score: 0

      *P(aypal)! = NP?

    10. Re:Explain it to me.... by Anonymous Coward · · Score: 0

      What country, and what bank?

    11. Re:Explain it to me.... by Anonymous Coward · · Score: 0

      Transferring funds electronically is easy with Bitcoin

    12. Re:Explain it to me.... by sitkill · · Score: 1

      disclosure: I work for an online p2p payment platform.
      While you are correct that sending money via the bank tends to be much much easier, it was not historically the area the Bank wanted to be involved in. To be clear, most banks want to keep your money INSIDE their vaults, making it hard for you to take them out. They actually make money on idle funds you have.
      And while you can say that it doesn't cost you a cent, it actually does (at least inherently). You must have an account with said bank to be offered online payment options, which means you either have enough funds to avoid paying monthly banking fee's (which of course means you have enough funds so that you are making the bank money), or you are paying a monthly account fee that covers this cost. To say you aren't paying a fee is naive.

      The reason why it is such an issue with companies that are not banks?
      1. identification is difficult (consider how much information a bank has about you...do you really want Paypal knowing that much as well?).
      2. Compliance issues with registered users. With a man of ill-repute sends money from one person to another, with a bank, that person had to register with registered documents. With companies that are not banks, you are limited in what you can ask for, and what you can keep.
      3. Compliance issues on who you can send to (you cannot send "anonymous" money generally for national security reasons).
      4. Merchant functionality costs money, and is a big money generator for companies.
      5. Money generation. Ie. how do these companies make money? Banks already have a source of income. With companies that are not banks, this generally tend to be fee's on sends (which people hate and complain about...but then never notice they are already paying fee's for their banks!), monthly fee's, or integrations.


      Not to say that banks aren't opening up now.

      Just as a reference, mastercard has just announced their own P2P payment platform, there is obopay, zoompass, hyperwallet, and a dozen other payment platforms out there.

    13. Re:Explain it to me.... by Raenex · · Score: 1

      Possession is nine-tenths of the law, and yes, a bank can freeze your account, as was done in this case. The reason is simple -- PayPal is responsible for the money if there is fraud involved. If they give that money to a fraudulent merchant, they may never get it back. Any payment processor would do the same. It's part of the contracts you sign for being a merchant, and doesn't require law enforcement approval.

      We don't know if any money has been "seized", because this is an ongoing case. Ultimately it will end up in the courts if both parties are not satisfied.

    14. Re:Explain it to me.... by Jeprey · · Score: 1

      The excuse is War on Terror, which just the lie to cover the truth. The reality is a desire to be able to detect and tax for VAT and income tax on every last dime that is transacted anywhere in the world.

    15. Re:Explain it to me.... by Qubit · · Score: 1

      What country, and what bank?

      1) US
      2) Now that I'm investigating, it appears a lot of banks offer pretty much this same service. Some, as "Late Adopter" noted above, don't charge a fee for International transfers if you hold a high enough balance or account level.

      --

      coding is life /* the rest is */
    16. Re:Explain it to me.... by Anonymous Coward · · Score: 0

      He lives in the US, it's called online bill pay. The banks do it by mailing paper checks to the recipients. It's horribly primitive, and it's a horrible chore in most countries to actually cash US personal checks. That's why it's not really a replacement for paypal.

    17. Re:Explain it to me.... by TheTurtlesMoves · · Score: 1

      If fraud is involved (criminal law and that does require a judge etc --the bank does not make the judgment) the bank does not get to keep the money. Paypal is *not* a bank.

      --
      The Grey Goo disaster happened 3 billion years ago. This rock is covered in self replicating machines!
    18. Re:Explain it to me.... by Raenex · · Score: 1

      First of all, if you've ever made an unusually large transaction on your bank account you may have gotten a notice that the transaction was on hold to prevent fraud. This has happened to me -- I think there was a waiting period of like 6 days or something. No law enforcement involved. The money wasn't "seized", it was just held up.

      Second, I'm going to ignore PayPal for a minute and talk about a credit card network like Visa, because I'm very familiar with how it operates and the issues are similar. When a Visa bank accepts Visa payments on behalf of a merchant, part of the contract is that they can freeze your merchant account if there are indications of fraud. The money is frozen, NOT seized, though it may eventually be used to repay fraud.

      The reason for freezing is simple -- if the consumer complains of fraud (such as no product received), there will be a Visa regulated dispute process. Law enforcement is not involved in this process. If the result of the process is that the merchant has to pay back the money, then the bank is ultimately responsible. If the merchant has committed mass fraud and absconds with the money, the bank could be out a LOT of money. That is why they freeze the account.

      PayPal is in a similar position, but it rides on top of many networks instead of belonging to a single network like Visa.

  27. At 600k, it's time to move up by derrickh · · Score: 3, Insightful

    When it comes to smaller amounts(under 5k), it's a toss up on using Google Checkout or Paypal. But anything over that, and you're just asking for trouble. These guys were way past to point of needing a real credit card processor. With that kind of money, it makes a lot more sense to just get a merchant account. Look at Paypal like a piggy bank. It's fine for loose change, but you wouldn't stick your retirement money in there.

     

    1. Re:At 600k, it's time to move up by avandesande · · Score: 1

      In this case he could have easily avoided the problem by transferring to a real bank account every time the paypal account hit 5,000$.

      --
      love is just extroverted narcissism
    2. Re:At 600k, it's time to move up by Nyder · · Score: 1

      When it comes to smaller amounts(under 5k), it's a toss up on using Google Checkout or Paypal. But anything over that, and you're just asking for trouble. These guys were way past to point of needing a real credit card processor. With that kind of money, it makes a lot more sense to just get a merchant account. Look at Paypal like a piggy bank. It's fine for loose change, but you wouldn't stick your retirement money in there.

      I wouldn't put my retirement money on the stock market either, but people do (did?)

      --
      Be seeing you...
  28. Friends don't let friends use PayPal by tool462 · · Score: 1

    Several years ago I had a similar experience (though not on nearly so large a scale) where I had sold an item online and had a couple hundred in my Paypal account as a result. I could not transfer the money out without becoming a verified account, and for some reason Paypal would not let me verify it. After frequent calls to their tech support and trying everything I could think of, the simplest solution was just to close my account because then they just send a check for the balance and I haven't been back since.

  29. What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 3, Interesting

    I go to the game's homepage, and I see a video about rollercoasters, and not gameplay.

    I browse around the site, nothing. The only, ONLY description of the game is, I quote, "Minecraft is a game about placing blocks while running from skeletons. Or something like that..", followed by the rollercoaster video, and then "The game is a lot like that, but also has enemies and cave exploring and mining and farming and flowing water and dynamic lighting and a huge (huge) randomly generated world map."

    Yeah, thanks. I've never heard of Minecraft before, and I'd guess that few people have. So what is it - a rollercoaster game with zombies and farming?!

    Anyway...

    The pre-purchase page says "If you pre-purchase now during alpha, you pay just 9.95!"

    If we round it to 10 EUR, 600k is sixty thousand people paying for something that is basically entirely unknown and isn't even described on the website.

    And PayPal freezes the money? Gee, what a surprise.

    1. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Minecraft is a pretty popular indie game (as far as indie games go) that has been in development for quite a while. Right there on the homepage is a link to play the older FREE version online.

    2. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Maybe you should do a bit more googling on this instead of jumping to conclusions good sir.

      http://minecraftwiki.net/wiki/Main_Page
      http://www.youtube.com/results?search_query=minecraft&aq=f

      It's an awesome indie game that is definitely not "unknown"

    3. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 1, Insightful

      I personally know 20+ people that have bought it in the last week. Now, I know I'm not a significant data point -- but neither are you, and the fact that you haven't heard of it has no bearing on its popularity. If you had heard of it, you'd know that it's not "in alpha," but rather "Alpha" is the name of the new version of the game, which has been around for over a year in other forms.

      Fortunately, we have objective measurements that support me more than you: http://www.google.com/trends?q=minecraft&ctab=0&geo=all&date=2010&sort=0

    4. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Or you could just hit the play classic version link on the main page at minecraft.net. Jeez, look a little further than your nose is long!

    5. Re:What the hell *is* Minecraft? by Nadaka · · Score: 1

      I've seen minecraft around for a while. I have not played it personally but there are people who have on the bay12games (dwarf fortress) forums.

      http://www.bay12forums.com/smf/index.php?board=4.0, search on the forum for minecraft and you will find several threads.

    6. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Seriously, how hard would it be to find out what the hell it is? Let me spell it out for you.

      1. Install Java (free)
      2. Create account on minecraft.net (free)
      3. log into a multiplayer server http://www.minecraft.net/servers.jsp (free)
      4. ????
      5. Profit!*

      *unless paypal freezes your account

    7. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 1, Informative

      SIXTY THOUSAND PEOPLE BOUGHT AN UNKNOWN GAME, WHICH IS IN *ALPHA*, IN JUST TWO WEEKS?????

      I call serious bullshit on this whole thing.

      The game was featured on Reddit one day so everybody went out and bought it. That's why the spike was so large.

    8. Re:What the hell *is* Minecraft? by RKThoadan · · Score: 1

      You really don't hang out in any computer gaming related forums do you? Both of my primary online hang-outs have had busy Minecraft threads for about 3 months now and both of them are running multiplayer servers and have channels created for it in their voice-chat programs of choice. Several friends have also posted about it on facebook.

    9. Re:What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 1

      Sorry - the website and the game's presentation are so shitty that I jumped to conclusions and thought the game was in alpha stage.

      In any case, I've never heard of it, and I've never even heard others talk about the game... And I've even played Iji.

      Sixty thousand purchases in two weeks is still very weird, and it's no wonder that PayPal froze the money.

    10. Re:What the hell *is* Minecraft? by KozmoStevnNaut · · Score: 5, Informative

      Sixty thousand people have bought the game since May 2009, not in the last two weeks.

      I bought the game a couple of months ago and every other game in my collection had been neglected.

      The basic gist of it is that the entire world is generated from cubes on the fly. You explore, chop down trees, make tools, mine for minerals and stone, build houses/castles/towers/ridiculous pixel art sculptures and watch out for monsters which inhabit the world at night and dark corners of your mines and naturally-occuring caves. The world is generated on the fly as you explore, with mountains, rivers, forests, caves and the occasional treasure room. Multiplayer is in the early stages right now, but fun. Single player is an amazing time waster, it's so easy to get completely sucked into a world made up of giant pixels.

      It's one of the best indie games I've ever tried and it's made by just one guy.

      --
      Eat the rich.
    11. Re:What the hell *is* Minecraft? by Lord+Ender · · Score: 5, Informative

      Actually, sixty thousand people have paid for it just since the account was frozen!

      Minecraft is an entirely new category of game. There is no name for this new category. This is why indie development rocks; EA is happy to release new iterations of the FPS, but they would never gamble with a new class of game entirely.

      The basic idea of Minecraft is this: you find yourself in a randomly-generated 3D world. It's daytime. At night, monsters will pop out of the darkness and attack you. Your only hope of survival is to harvest resources from the world (wood, stone, etc.) and build a shelter and weapons to defend yourself. The night/day cycle repeats: harvest, build, defend.

      Think of it as something of a combo of Elder Scrolls and Second Life.

      --
      A slashdotter who didn't build his own computer is like a Jedi who didn't build his own lightsaber.
    12. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      SIXTY THOUSAND PEOPLE BOUGHT AN UNKNOWN GAME

      Unknown TO YOU. Also it's called a "preorder", the price goes up once the game is out of alpha. Ever heard of that, or do you just pirate all your games? (In b4 "I do not play games because it's too dark in my ass to see what I'm doing")

      Just because he never got a Slashvertisement (though VGCats did a comic about the game once) doesn't mean that the rest of us haven't been playing with minecraft for months now ("Creative" mode has been around for a long time, it's the game modes you pay for).

    13. Re:What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 1

      That explains the spike, thanks.

      Still don't see why anyone would pay for that (especially since it requires Java), but that's probably just my problem.

    14. Re:What the hell *is* Minecraft? by sanosuke001 · · Score: 1

      I've heard of it and I know a friend who plays it for hours. I also know he paid for the privilege to play the alpha and loves it.

      As for a synopsis: You "mine" rocks, get minerals, build other stuff, and make your part of the world how you see fit. Some places outside, there are monsters that attack you.

      --
      -SaNo
    15. Re:What the hell *is* Minecraft? by rekenner · · Score: 4, Informative

      Here, let me type 9 characters into YouTube for you.
      http://www.youtube.com/results?search_query=Minecraft&page=&utm_source=opensearch
      Bam! Watch. Be educated. Or shit, look at Wikipedia. It can explain it too. It's amazingly popular among other Internet forums (Something Awful, LueLinks, part of 4chan), as even though it's an alpha, it's been fully playable for months. So, you know. Multiplayer games that let you goof off and hang out with people make money. SHOCK.
      I'm not sure if you're lazy, stupid, or a troll. But your post is calling the guy out on tricking people, when there's an easy to find product there. ... Though, looking at your name, I suppose I have the answer.

    16. Re:What the hell *is* Minecraft? by sanosuke001 · · Score: 1

      Oh, also, there is a non-alpha version that has been around for a while. That version is free to play. If you pay, you get early access to the alpha version.

      --
      -SaNo
    17. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      How, exactly, is this game unknown? The website doesn't describe itself because... get this... They let you play damn near the full version of it for free. You didn't even have to register last I looked. Just click it and play.

    18. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Minecraft has been covered by numerous gaming sites, it was given a mention on Steam by the TF2 team, it has a near 100 page thread on the penny-arcade forums, among others. Yeah. Totally unknown. And, yeah. He's selling about 4000 copies a day, right now. It's been pretty successful. It's a fun game.

    19. Re:What the hell *is* Minecraft? by thePowerOfGrayskull · · Score: 1

      Sir this is slashdot. Facts are neither appreciated nor welcome.

    20. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      You obviously missed a whole bunch of news on Minecraft recently, then.
      Mentions of Steam, reviews on a bunch of websites, interviews, and so on.

      As for the freezing, it is exactly due to that.
      They probably thought he was running some sort of scamming operation when the sales picked up.

      Just because you don't know what it is, doesn't mean others don't.
      Now go play some Halo, damn it.
      Joking, but really, survival games > all.

    21. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Both Valve and Bethesda Softworks have told people about Minecraft on their blogs. This mere mention generated loads of sales for him as well as trips to both the Valve HQ and Bethesda HQ. It's impossible to not have heard about Minecraft unless you are not into PC gaming.

      http://www.teamfortress.com/post.php?id=4130
      http://bethblog.com/index.php/2010/08/08/what-were-playing-craft-games
      http://www.reddit.com/r/gaming/comments/d8qy8/minecraft_sells_its_100000th_copy_thats_a_million

      http://minecraft.net/stats.jsp
      "In the last 24 hours, 11829 people registered, and 4473 people bought the game."

    22. Re:What the hell *is* Minecraft? by Kristopeit,+M.+D. · · Score: 1

      i've also never heard of anyone complaining about minecraft stealing their money...

    23. Re:What the hell *is* Minecraft? by Suzuran · · Score: 4, Informative

      Valve blogged about it, which is what drove a big chunk of those sales.

      The game is basically first-person Dwarf Fortress. Your job is mine riches out of the ground while not dying.

    24. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It's definitely not bull shit. Me and my friends have been so caught up in the game that I didn't realize there was anyone left who wasn't playing. Literally all of my friends have purchased it. If you look on the stats page it says just of 133,000 people have paid so far. Given it's popularity in some circles, and the fact that it sort of went viral I don't find that hard to believe at all. I'm much more surprised that it hasn't been featured on /. before.

    25. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It's a very popular game. Maybe you aren't in the know as much as you think you are?

    26. Re:What the hell *is* Minecraft? by Weegee_101 · · Score: 1

      Exactly. I would say the thread on Penny-Arcade alone has probably driven more traffic to his website (and influenced people to purchase the game) than anything else. In March Gamasutra ran an interview with Notch discussing the game's development. Just because you didn't know about the game doesn't mean that it isn't popular. I can't believe ANYONE modded this guy insightful.

    27. Re:What the hell *is* Minecraft? by niaxilin · · Score: 1

      Did someone verify this story? Or did the maker of Minecraft make up something Slashdotable to promote his "game"?

      I also doubt 60,000 people paid $10 a pop for this.

    28. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It got a pretty big boost recently (July 28, to be exact) when it was posted to the Team Fortress blog by a VALVe employee.

      They kinda pull some weight in the gaming community, so when they hype your stuff, sales spikes happen.

    29. Re:What the hell *is* Minecraft? by Kristopeit,+M.+D. · · Score: 1
      60,000 people doing anything on the internet is nothing. when i started my game that accepted payments from paypal (which they later seized in full and closed my account when i had done nothing wrong) in the same fashion, i got 100,000 sign ups within days, not weeks.

      perhaps you are unaware of the concept of something "going viral", or are you just unwilling to accept the fact that you aren't on the cutting edge of something?

    30. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      I love morons like you that spend 3 seconds digging into something, and then make a sensational conclusion without actually looking into the matter. You're a complete idiot. It's an actual game with a burgeoning playerbase. Check out www.minecraftforum.net. Or just try typing in Minecraft to Google or Youtube. Douche bag.

    31. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It's quite believable if you're familiar with the entire Minecraft sensation beginning with Valve/TF2. Minecraft is currently an indie favourite with free PR by Valve (and plenty of game news sites). If you haven't heard of it, you're living beneath a very, very large rock. It's a brilliant game, regardless of whether you've heard of it or not. I don't even know what your ignorance has to do with the quality of a game.

      $600.000? I'm glad his effort and investment in literally a no-name, non-advertised game is being repaid in spades. The game may not LOOK like much at first, but there's simply so much to do in the game (assuming you own just a hint of creativity or sense of exploration). So I seriously hope he gets his money. PayPal? Money-grubbing sons of bitches. Give him his rightfully deserved money.

    32. Re:What the hell *is* Minecraft? by paziek · · Score: 1

      Yeah, I thought so as well. I have found this: http://www.youtube.com/watch?v=0VWnQHS-ffs
      Seems like some tutorial for the game, and it indeed looks similar to that roller-coaster demo.

      As for the sales... well - it works on Macs!

    33. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Yes. Minecraft is stupidly popular. As one of the first hundred who bought the alpha, I can tell you it was a nice grassroots game based off of Infiniminer.

      Then it started actually getting good.

      Then people starting finding it.

      Then the TF2 blog posted about it.

      I even hear about it in random college conversations now. It is a must-have amongst young geeks these days.

    34. Re:What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 1

      Sixty thousand people have bought the game since May 2009, not in the last two weeks.

      No... The dev says on his blog that he withdraws the money every week, and the 600.000 EUR (which is a REALLY BIG sum!!!) got accumulated since they froze his account.

      If you were PayPal, and you had this account with money slowly tricking in, then suddenly massively spiking (and a fair share of those is going to be with stolen or fake cards, as usual), wouldn't it sound a red alert for you?

      I've just googled the game on my country's TLD. There's about 20 results, more than half of which are hacked Joomla spam, and there seem to be two forum threads with a total of 30 posts or so. It's no wonder that I haven't heard about it...

    35. Re:What the hell *is* Minecraft? by Viewsonic · · Score: 1

      The free version is playable right from the same page you looked at with the rollercoaster cars. It is playable within your web browser.

      Really, it's not too hard to figure out. You place blocks and build you world, with or without people. Imagine LEGO but with many people, monsters, and animals and you'll have an idea.

      If you don't want to play it, do a search on YouTube. Plenty of more examples.

      The game is amazing. It is the ultimate sandboxy type game to have come out. Some of the structures people have made has been mindblowing. 1:2 replica of the USS Enterprise NCC-1701-A? Complete with crew quarters, compartments, etc. AWESOME.

    36. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Dude, this game is huge. Try going to YouTube and enter Minecraft. Both my kids ponied up their own money to buy it.

      And it's cool.

    37. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Watch closely gentle readers. This is what ignorance does to your reasoning skills.

      AFT could have searched more thoroughly and found many screenshot-filled, discussion-rife, multi-ten-thousand post topics on many super-popular game forums, but he just didn't bother. And now he is talking shit as a result of his laziness.
       

    38. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Even more interesting is this guy says he withdraws the money every week:

      "Just to clear things up: I withdraw everything from paypal every week. They limited my account just as sales started spiking, so this money has accumulated since they limited the account."

      So that's 600,000 EUR since August 25...

    39. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Minecraft is a daft but addicting game that costs a small amount of money. It's been making headlines recently on sites such as Reddit and Youtube. Quite a lot of people visit those sites so i hear.

      A SMALL proportion of those people chose to buy it. a LARGE proportion of those people (including myself) chose not to, but as an independant developer, i wholeheartedly support the author. The game just isn't for me.

      Who the fuck are you to agree that the author shouldn't be entitled to those funds? Do you also think that the devs of other internet-hits such as Line Rider, VVVVVV, Samarost, World of Goo etc should not be entitled to the financial rewards from massive internet-success they have seen? The recent "humble bundle" netted the authors over a million dollars in under a month. Shall we freeze their assets too?

      Would you agree thart he is entitled to the money if he had sold his game on Steam? Yes? Good. Then shut the fuck up.

      Jusrt because YOU don't understand why people might want to play this game doesn't mean that the author should have his money taken from him.

    40. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Reddit has been going nuts with this game recently.

      I bought it last night, and love it. I spread the word to 2 friends who, after watching some gameplay videos, fell in love and bought it almost immediately.

      It's a very unique game, and I'm really not surprised at all by the sales figures. It is amazingly fun.

    41. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      That's what I thought too. Except my office mate has heard of it, and according to wikipedia Minecraft has 500,000 registered users and 100,000 purchases. So maybe not that crazy after all?

    42. Re:What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 1

      If you haven't heard of it, you're living beneath a very, very large rock.

      Actually, I'm from Europe, and I'm way past my teens, so I'm probably out of touch with these new-fangled viral things. Still, nobody I know ever mentioned it. I guess I don't hang around young gamers.

    43. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      http://en.wikipedia.org/wiki/Minecraft#Reception

      "Minecraft has received generally favorable responses. It has been praised for the creative freedom it grants its players in-game, and for how dynamic its overall gameplay is.[9][10][11] PC Gamer listed Minecraft as the fourth-best game to play at work in issue 200.[12] A review of the alpha version, by Scott Munro of the Daily Record, called it "already something special" and urged readers to buy it.[13] Jim Rossignol of Rock, Paper, Shotgun also recommended the alpha of the game, calling it "a kind of generative 8-bit Lego Stalker".[14]

      On January 12, 2010, the number of registered users reached 100,000.[15] As of September 2010, it has surpassed 500,000 registered users and 100,000 purchases."

    44. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It's quite believable if you're familiar with the entire Minecraft sensation beginning with Valve/TF2. Minecraft is currently an indie favourite with free PR by Valve (and plenty of game news sites). If you haven't heard of it, you're living beneath a very, very large rock. It's a brilliant game, regardless of whether you've heard of it or not. I don't even know what your ignorance has to do with the quality of a game.

      $600.000? I'm glad his effort and investment in literally a no-name, non-advertised game is being repaid in spades. The game may not LOOK like much at first, but there's simply so much to do in the game (assuming you own just a hint of creativity or sense of exploration). Even as an *alpha* version, its gameplay is worlds better than many large budget games released in the past year. So I seriously hope he gets his money. PayPal? Money-grubbing sons of bitches. Give him his rightfully deserved money.

    45. Re:What the hell *is* Minecraft? by Taedirk · · Score: 1

      Try again. The 60k is from 600k euros, the money Notch generated since he last emptied the PayPal account (once a week every week according to Twitter). Therefore, it really is 60k in two weeks. http://minecraft.net/stats.jsp Statistics 1924 players online, in 785 servers. 599984 registered users, of which 133295 (22.21%) have bought the game. In the last 24 hours, 11833 people registered, and 4485 people bought the game.

    46. Re:What the hell *is* Minecraft? by jasno · · Score: 1

      Jesus... I always stayed away from game programming because I didn't think it paid well. So much for that.

      --

      http://www.masturbateforpeace.com/
    47. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      I was thinking the same thing.

          1) Put together something resembling a product.
          2) Make up a story about how you are being raped by PayPal
          3) Get Slashdot to run the story
          4) Profit!

          You can probably squeeze "???" in there if you tried.

    48. Re:What the hell *is* Minecraft? by Zorque · · Score: 1

      How can it be an "UNKNOWN" game if over 60,000 people bought it in that period of time? You seem to be pretty angry that other people have heard of something you haven't.

    49. Re:What the hell *is* Minecraft? by blair1q · · Score: 1

      what's google?

    50. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      That sounds exactly like The Horde:
      http://www.youtube.com/watch?v=fdP7wsvbyQs

    51. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      so in other words its a rpg grind with all the game taken out

      sounds stupid, dull, and repetitive

    52. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      ok so maybe you are not under a rock but perhaps your *country* is.

    53. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      So, like "The Horde", but 3D.
      From the people that brought you Star Control.
      http://en.wikipedia.org/wiki/The_Horde_%28video_game%29

      Get off my lawn.

    54. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Nope. Sixty thousand in the last two weeks.

      He's had some 130,000 customers overall - though apparently it's higher as the counter hasn't been running from the start.

      The reason for the massive explosion (60k buyers in 2 weeks as opposed to the 70k in over a year) is mainly because of the free publicity the game has earned of late. I personally first heard about it from the TF2 blog about a month ago. Loved the concept, tried the free versions that are playable on the main site and bought the game within a day of hearing of it.

    55. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Should just note (can't login from here, I hope you can read this and put up a reply). Minecraft has been released since 2009 and constantly updated since, Alpha is the new version of it.

      It's an extremely popular game already. So it's not quite as bad as you think, it's a very well known game that a lot of people already play.

    56. Re:What the hell *is* Minecraft? by Lord+Ender · · Score: 1

      No, what you're missing is that it's the building that is the main focus of Minecraft.

      --
      A slashdotter who didn't build his own computer is like a Jedi who didn't build his own lightsaber.
    57. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      It sounds like a game called The Horde http://en.wikipedia.org/wiki/The_Horde_%28video_game%29

      You build up your town defenses placing footmen, archers, traps, etc. The Horde shows up at night to try to steal/eat your cows, and you get to run around and fight them off.

    58. Re:What the hell *is* Minecraft? by TheTurtlesMoves · · Score: 1

      don't forget the other 100k programmers with indie titles that didn't make it....

      --
      The Grey Goo disaster happened 3 billion years ago. This rock is covered in self replicating machines!
    59. Re:What the hell *is* Minecraft? by Mr.+DOS · · Score: 2, Informative

      I bought it. I love it. I've been telling everyone who'll listen to me about it.

      The reason the site contains so little information about the game is because there isn't much to tell – by and large, the game is the definition of a sandbox. For gameplay examples, you should look at some Let's Play videos; I recommend the ones done by mastatsan.

      BTW, the reason it's sold so many copies is because 4chan's /v/ hooked onto it in a major way, and it's spreading quite quickly through Reddit. My point is, although the number of copies sold sounds huge for a game still in alpha, it's somehow clicked with a huge number of people. Also, whatever said this all happened in the last week isn't quite right: while sales have been rising steadily for the last while, the game's been purchasable for over a year now.

    60. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      You don't need to read a description of the game, you can play it right there on the site, for free, in your browser... http://minecraft.net/play.jsp

    61. Re:What the hell *is* Minecraft? by A+Friendly+Troll · · Score: 1

      minecraft site:de - 14600 results
      minecraft site:uk - 4080 results
      minecraft site:pl - 3170 results
      minecraft site:ru - 2950 results
      minecraft site:fr - 1250 results
      minecraft site:es - 951 results
      (naturally, not all results pertain to the game itself)

      It's not very popular in Europe, in general. It has nothing to do with living under a rock - the alleged popularity, from what I've seen here, only seems to be limited to the USA.

    62. Re:What the hell *is* Minecraft? by fprintf · · Score: 2, Insightful

      It sounds exactly like Spore was supposed to be.... a really huge sandbox with tons of possibilities.

      --
      This post brought to you by your friendly neighborhood MBA.
    63. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Sixty thousand people have bought the game since May 2009, not in the last two weeks.

      As of September 2, 100,000 people had bought the game: http://twitter.com/xnotch/status/22810770339

    64. Re:What the hell *is* Minecraft? by IICV · · Score: 1

      Not to demean Notch's achevements or anything, but Minecraft does not form an entirely new genre by any means - it is, essentially, a voxel-based first person roguelike, or as another poster said "first-person Dwarf Fortress".

    65. Re:What the hell *is* Minecraft? by Lord+Ender · · Score: 1

      Well, the major difference (other than being 3D) is that you build pixel-by-pixel.

      --
      A slashdotter who didn't build his own computer is like a Jedi who didn't build his own lightsaber.
    66. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Sixty thousand people have bought the game since May 2009, not in the last two weeks.

      Sixty thousand people have bought the game since August 25th 2010. 133724 people have bought the game since May 2009.
      The sixty thousand people figure comes from Notch saying that his Paypal account was frozen on August 25th and that 600k € has since accumulated. At 10 €, that's sixty thousand copies.

    67. Re:What the hell *is* Minecraft? by TigerTime · · Score: 1

      Sounds like a Tower Defense game.

    68. Re:What the hell *is* Minecraft? by Lord+Ender · · Score: 1

      "Voxel-based first person roguelike" is a description of a category. That category does not have a name, because it's new.

      It is silly to assert that anything which can be described is necessarily not new.

      --
      A slashdotter who didn't build his own computer is like a Jedi who didn't build his own lightsaber.
    69. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      He said he withdraws all the money from the account on a weekly basis, so that 600,000 is very recent, not since May 2009.

    70. Re:What the hell *is* Minecraft? by witch-doktor · · Score: 1

      AC testimonials are intrinsically trustworthy.

    71. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Actually it is 60k sales in the time the account was frozen. total sales are bout 130k

    72. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      no, he's been selling close to 5k copies a day for the last few weeks. he's closing in on 150k total

    73. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      AC testimonials are intrinsically trustworthy.

      As somebody who only posts as AC I'd say you're right on the mark (assuming you aren't just a Troll or a Flamer). BTW, I'm not the GP. If in fact you don't believe what you said then you are just a hypocrite, and a fairly ignorant and stupid one at that, because not only are you posting anonymously (unless your mother named you witch-doktor in real life), but it's simple as shit to find out information about this game. And yes, I've never heard of it before either, but then again I'm not a Gamer.

      You don't even have an email address or Website that you claim to be yours. Clearly you're one more example of how ANYBODY can get on the Web (and onto Slashdot), even despite the fact that AOL has long since ceased to be relevant.

    74. Re:What the hell *is* Minecraft? by merreborn · · Score: 1

      Minecraft is an entirely new category of game. There is no name for this new category.

      Think of it as something of a combo of Elder Scrolls and Second Life.

      As others have mentioned, in several ways, it's similar to Dwarf Fortress, and Horde.

      Also, the MMO "A Tale In The Desert" is very similar, and in many ways, has far more depth.

      It combines these aspects to create something unique, for sure. But it's more evolutionary than revolutionary.

    75. Re:What the hell *is* Minecraft? by Raenex · · Score: 1

      Right, so it's Doom graphics + Legos. Not exactly my cup of tea, but to each their own.

    76. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Well that's convenient for him because he didn't have any facts.

    77. Re:What the hell *is* Minecraft? by TangoMargarine · · Score: 1

      That, and I'm surprised that nobody has pointed out that the defend part can be disabled if you just want to build.

      --
      Unity? Screw that: XFCE. Slashdot Beta? Screw that: SoylentNews. Australis? Screw that: Pale Moon. UX developers DIAF
    78. Re:What the hell *is* Minecraft? by Nyder · · Score: 1

      what's google?

      So do I google "youtube" or do I youtube "google"?

      I'm confused.

      --
      Be seeing you...
    79. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      Like Mirror's Edge is a mix between an FPS and a platformer?

    80. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      You can play minecraft classic for free, you cheapskate douchebag.

    81. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      But honestly, dev's who can't put demos out should expect this from internet savvy peeps.
      If you couldn't find the demo, you'd best not brag about being internet savvy.

    82. Re:What the hell *is* Minecraft? by Anonymous Coward · · Score: 0

      http://img704.imageshack.us/img704/7836/1281822297863.jpg

  30. Not Even Uncommon by Nom+du+Keyboard · · Score: 1

    This event is not uncommon with Paypal, although most amounts aren't this large. Keep a news feed on Paypal and you'll read stories about this weekly.

    Paypal needs to be brought down hard and made to end this foolishness once and forever. Our government, who seek to regulate banks and Wall Street to death, are curiously hands-off when it comes to Paypal. Is The Fix in?

    If the government won't fix Paypal, then we need a good, honest, alternative to embrace. An equivalent to the Android antidote to iPhone/AT&T. There's a market opportunity there for a proper competetor once the anti-trust authorities break down the manditatory eBay+Paypal linkage.

    Oh, wait! That's the very same government who does nothing against Paypal now.

    I guess we get the government we deserve by voting these latest clowns into office.

    --
    "It's the height of ridiculousness to say for those 9 lines you get hundreds of millions."
    1. Re:Not Even Uncommon by interval1066 · · Score: 1

      That's great. What do they do, see one of their member's accounts get kinda big and start figuring out ways to scam them? What a den of thieves.

      --
      Python: 'And then suddenly you have a language which says "we're all stuck with whatever the whiniest coder wants".'
  31. Just plain stupid by Anonymous Coward · · Score: 0

    Who would leave 600k eur on a paypal account? it's ridiculous and plain stupid. Everybody knows fuckups happen with paypal, why keep money in the account at all?

    1. Re:Just plain stupid by 10Neon · · Score: 1

      The developer was busy traveling to the US visiting Bungie and Valve.

      --
      The Guide is definitive. Reality is frequently inaccurate.
  32. same thing happened to me... by Kristopeit,+M.+D. · · Score: 4, Interesting
    back in 1997 i ran a similar internet video game... edrugtrader.com... it's still running, but i no longer accept payments to play. paypal froze my account and seized all of the money from the then 100,000+ users. the game is based on drug dealing, and they claimed i was breaking the law because drug dealing is illegal... however there was no actual drug dealing... it's just a market simulation game.

    paypal is evil... don't do business with them.

    1. Re:same thing happened to me... by Anonymous Coward · · Score: 0

      So you dropped a $65,000-a-month revenue source instead of hiring a decent lawyer and forcing PayPal to make good? Yeah, that makes perfect sense.

    2. Re:same thing happened to me... by Lehk228 · · Score: 1

      people donated to a drugwar game? i thought drugwars was the first BASIC game everyone made?

      --
      Snowden and Manning are heroes.
    3. Re:same thing happened to me... by Kristopeit,+Michael · · Score: 0

      yes, it was... back in the mid 80s i made a qbasic clone named dopewars, that i later remade in quickbasic and added a 2d map and added a bunch of random events like sim city, named virtual pimp... i had versions of that for all the TI calculators you might have played in the early 90s... then i made the online version with gangs and a global market at edrugtrader.com, which is like MMORPG of dope wars... many people have since made their own versions of edrugtrader, including one released by my old hosting provider who stole my source code directly... ever since that i've colo'd my own box.

    4. Re:same thing happened to me... by Kristopeit,+M.+D. · · Score: 2, Informative
      not everyone had to pay... getting premium access in no way benefitted the players... it was more just stuff like uploading pictures and access to message boards. probably under 5% of people paid.

      $65,000 is way less than my salary... so now i'm supposed to spend weeks or months, paying a lawyer over $100/hour the whole time, AND waste my own time only to be later raped by the next payment processor or some parents group suing me because their child read the word FUCK and gave me their credit card number without permission?

      yeah, you're an idiot.

    5. Re:same thing happened to me... by Nyder · · Score: 1

      How many slashdot accounts do you have?

        Kristopeit, Michael (1892492)
        Kristopeit, M. D. (1892582)

      --
      Be seeing you...
    6. Re:same thing happened to me... by Kristopeit,+M.+D. · · Score: 0, Troll
      very many. i am opinionated, and the world is full of idiots who believe they would benefit to silence me.

      the slashdot admins are unable to make a functional, scalable infrastructure as they attempt to "not allow a single moderator a 'reign of terror.'", but they do nothing from stopping a single PERSON from BEING MANY "single moderators."

      in short, slashdot = stagnated, run by idiots, and you are also an idiot, too concerned with the irrelevant activity of others.

      you are NOTHING.

    7. Re:same thing happened to me... by eulernet · · Score: 1

      In fact, Paypal tends to block sites that host games or contests.

      In my case, I maintained a programming contest where I asked for donations, and hosted a peg solitaire.
      Paypal blocked my account when they discovered that I had a game on my site (which is totally unrelated to the contest).
      Luckily, they unblocked it a few days after that.

  33. I'm in the wrong line of work by Anonymous Coward · · Score: 0

    So let me get this straight- this guy made 600,000 pounds in 2 weeks with a buggy version of a game that looks like someone overlaid wolfenstein textures on a bunch of 3-D cubes that you run around and hit things with a club in?!?!?

    What the heck am I doing at a regular 9-5?!?!

  34. Paypay AND eBay by Mr.+Esterhouse · · Score: 1

    are terrible. I sold a laptop on there this past weekend for $1500. eBay charges me $70 for the sale, mind you that I didn't pay for extra pictures or bold print. Then PayPal takes out $40 for the money transfer. eBay made $110 off of the auction which is ridiculous. I canceled my accounts.

    1. Re:Paypay AND eBay by danbeck · · Score: 1

      The costs involved with listing with eBay as well as Paypal are clearly stated and can be calculated to the penny. Why are you complaining about the cost of a service when you knew what the cost of the service was before you used it?

      Sounds like you are just being whiney about it because after the sale and after you have all your money, you are suddenly mad that eBay charged you for helping you sell your shit.

  35. Par for the course.. by Anonymous Coward · · Score: 0

    This is how PayPal makes their money.
    I just canceled my account with this story as a reason, join in on the fun people!

  36. At 600k, it's time to sue the bastards by Late+Adopter · · Score: 1

    I agree with your post in entirety, but having already made the mistake this needs to be seriously escalated. 600k is way too much money to take chances on.

    1. Re:At 600k, it's time to sue the bastards by e-Flex · · Score: 1
  37. Class Action Suit already underway by GPLDAN · · Score: 1

    Guys, Paypal has history in a large class action over frozen assets.

    Forbes in 2002:

    http://www.forbes.com/2002/03/08/0308paypal.html

    It's funny, in that article circa 2002, Forbes thought Citibank's C2it would crush Paypal. Didn't happen.

    Now, the British who know something about World Banking, might take it with MoneyBookers.
    https://www.moneybookers.com/app/?rid=3809503
    Either way, Meg Whitman knew the Ebay ship had sailed, she got out why the getting was good.

  38. law ? by Anonymous Coward · · Score: 0

    In Holland by local law every transaction bigger than 10000 has to be reported; as well as accounts quickly increasing.
    I can Imagine paypal also being subject to laws like this ?

  39. Coincidence? Or Paypal ramping up their spin dept by log0n · · Score: 1

    Just got this email 45ish minutes ago for both of my [separate] PayPal accounts:

    PayPal Annual Privacy Policy and Error Resolution Notice

    Goes into the usual yadayada about cookies/tracking/IPaddresses and such, but also explains in much detail about the steps WE are required to take in order to recover funds in situations similar to the topic. It's not their responsibility, nor do we have much time to initiate the process.

  40. Not For Money You Cannot Afford to Lose by oakwine · · Score: 1

    Paypal is for small sums only. Never trust them with an amount you cannot afford to lose.

  41. Two Words : ( +1, Informative ) by Anonymous Coward · · Score: 0

    Money laundering.

    I hope this helps raise the Slashdot journalism above ZERO.

    Yours In Ashgabat,
    K. Trout

  42. PayPal doesn't exist... by Vortran · · Score: 1

    ... in a vacuum. they must have employees and there must be some folks around here that work for them and are (possibly) closer to the top of the food chain.

    If you work for PayPal.. care to explain why I can't just call up a person on an 800 number like I can my regular bank and have that person take care of whatever?

    Can someone who works there explain any of the info here?

    --
    Knowledge is like ignorance.. too much can be just as bad as not enough.
  43. I think an Indie game developer found.... by xandercash · · Score: 1, Flamebait

    .....an easy way to get Slasdotted aka free advertising on a crappy game. Has anyone actually confirmed this claim of Paypal wrongdoing, which was in a blog the developer himself posted? Seems like a lot of people here are quick to believe a story from a guy who obviously needs advertising on a fledgling game.

    1. Re:I think an Indie game developer found.... by Viewsonic · · Score: 1

      He doesn't need advertising, the game has been selling like crazy, and keeps realtime stats on his web page.

      Valve flew him out to look into working with him because the game is so good.

      "crappy game" - yeah... Have you played it? I have, and it's awesome. I haven't touched Starcraft 2 since I bought it. It blows everything away.

    2. Re:I think an Indie game developer found.... by Anonymous Coward · · Score: 0

      He doesn't need advertising - he keeps a constantly updating figure on how many sales he's made, how many accounts have been registered, how many games have started, etc etc.

      For example, as of right now:

      1746 players online, in 778 servers.
      600051 registered users, of which 133316 (22.21%) have bought the game.
      In the last 24 hours, 11819 people registered, and 4477 people bought the game.

      Bethesda, Valve, Cliffy B (Unreal/Gears of War), and more have all blogged/Twittered about him in the last month or so. A lot of gaming sites talk about his game occasionally. He's decently well known for a single developer that has made an amazingly addictive game.

      And yes, he's brought up Paypal's 'issues' before on his blog. This is not the first time he's commented upon it. This is just the most recent one.

    3. Re:I think an Indie game developer found.... by mcgrew · · Score: 1

      After reading the comments, it seems like there are a lot of people here who have similarly been abused by PayPal.

    4. Re:I think an Indie game developer found.... by xandercash · · Score: 1

      Yeah, no, I based my opinion on the posted website alone, which was weird and sparse. After reading many other Slashdot comments and Googling the game, I decided I jumped to conclusions too quickly. People obviously love the game. It must not be crappy, lol.

    5. Re:I think an Indie game developer found.... by 10Neon · · Score: 1

      Incidentally, two of the things he intends to do with that money are to hire a website developer and an artist =p

      --
      The Guide is definitive. Reality is frequently inaccurate.
  44. We all know... by Jaysyn · · Score: 1

    We all know PayPal sucks. It's a given these days. I'm more interested if anybody has had bad experiences with MoneyBookers.com.

    --
    There is a war going on for your mind.
  45. People still use pay-pal? by FatSean · · Score: 2, Insightful

    Seriously, do they doubt the veracity of the horror tales?!

    --
    Blar.
    1. Re:People still use pay-pal? by six11 · · Score: 3, Insightful

      I was popping in to ask the same question... who uses paypal? I've found it completely unnecessary, hard to use, and has an unreasonably large potential for fraud/theft. Sometimes I buy something online and I have no choice but to intersect with some form of PayPal money laundering. Invariably I decide I don't need that thing so badly and buy elsewhere.

    2. Re:People still use pay-pal? by Anonymous Coward · · Score: 0

      The problem is that there is not much other choices. To receive payments for a seller, paypal is the most used by the customer.
      Or to buy something on ebay, there is simply no other choices.

      I hate paypal, they stole several hundreds dollars in my account for unknown reason. I have to keep my paypal account since I'm a service provider on the Internet, and believe me, I hate it.

      Google checkout is not much better though. There are less horror stories for it because it's less used, not because it's better.

    3. Re:People still use pay-pal? by Trepidity · · Score: 4, Insightful

      Mostly because of either no choice or few alternatives.

      For payment-only, you often have no choice, because it's what eBay and/or a particular merchant accepts. On the other hand, for payment-only it's also relatively unproblematic, because you shouldn't have large amounts of money sitting in the account that PayPal could freeze.

      For accepting money, you're much more exposed to PayPal's whims, and you also have a choice of what payment processor you use. However, you don't often have many good choices. Two of its competitors are Google Checkout and Amazon's payment service, but they're much less international. PayPal supports dozens of currencies and merchants in >100 countries, while Google Checkout is limited to only merchants in the U.S. and U.K., and Amazon's payments services only allow withdrawal of funds to U.S. bank accounts (and only do transactions in U.S. dollars). Since the Minecraft developer is Swedish, neither of those are options.

      Another alternative is to set up a merchant account for processing credit-card payments yourself, but you need to be a certain size for that to be a sensible option. The Minecraft guy probably is big enough now that a merchant account makes sense, but he wasn't when he started out as a random 1-man shop selling a $10 game on the internet.

      Basically there is a big gap in the market for lightweight payment-acceptance services available to non-American merchants. If you're in Sweden, you have PayPal, a merchant account, accepting bank transfers directly, and mailed payments.

    4. Re:People still use pay-pal? by gral · · Score: 0

      They should look into changing the name. When I first saw the link I thought it was Bitch Coin..... Now that would be a money maker.... ;-) I rank that right up there to having a Sag Harbor line of cloths for older ladies. Mabye the 2 companies can get together on something.

      --
      Scott Carr
    5. Re:People still use pay-pal? by cduffy · · Score: 5, Informative

      Another alternative is to set up a merchant account for processing credit-card payments yourself, but you need to be a certain size for that to be a sensible option. The Minecraft guy probably is big enough now that a merchant account makes sense, but he wasn't when he started out as a random 1-man shop selling a $10 game on the internet.

      I'm going to use this as an opportunity to plug BrainTree -- my new employer uses them as our payment gateway, and they're a dream to work with: They provide well-written APIs for all common platforms, and when I have a problem I get an email back from a member of their dev team typically in about 30 minutes.

      Their front page says "We [heart] developers", and AFAICT they mean it. Github is one of their marquee customers.

      Taking credit cards doesn't need to be awful.

    6. Re:People still use pay-pal? by Trepidity · · Score: 1

      That does seem like a good option for bigger customers, but the minimum $75/mo fee is fairly steep for smaller merchants--- $900/yr would be a pretty decent chunk of sales for many hobbyist indie-game devs (which this guy was initially, until his game unexpectedly took off).

    7. Re:People still use pay-pal? by dadioflex · · Score: 1

      So what's the alternative to Paypal for... oh, all those sites that use Paypal? With Paypal you register your details and use a, hopefully strong, password to log-in. Paypal is apple pie and Fort Knox. Despite the chaff around the Paypal email scams, Paypal is an established payment system with brand recognition and a track record. With Paypal, I register my details once, and only have to log in to my account each time, using the tried and true one false log-in per attempt to defeat phishing. With a lot of these sites that use eg Visa, you have to register all your details over again and still jump through hoops to pay them. Seriously, you like "Verified by Visa"? Who do I trust.... the people who've been doing this for a decade or the, obviously trustworthy banks that have done such an exemplary job up until now?

    8. Re:People still use pay-pal? by Vintermann · · Score: 1

      Google Checkout is limited to only merchants in the U.S. and U.K.

      Just like the Nexus One was, just like the Android market is. Google predictably and repeatably fails at being an international organization. I'm an unashamed Google fan, but this drives me nuts at times.

      --
      xkcd is not in the sudoers file. This incident will be reported.
    9. Re:People still use pay-pal? by david_thornley · · Score: 1

      I use it because I buy things occasionally on eBay, and I've had occasion to accept credit card payments. The latter is sufficiently rare so it's not worth setting up anything else.

      I have it tied in with a credit card, and I always scan the bill for suspicious transactions when it comes. If all else fails, I'm not out any money while I straighten bad charges out. Every so often, PayPal wants me to associate my PayPal account with bank account information; given that it's not worthwhile to me to set up a separate account for them, I really don't know how dumb they think I am. Whenever I have money in my PayPal account, I have them send me a check. This does run up some fees, and at one point I just passed them on to a client (by agreement, of course). If, for some untold reason, they empty my account while there's actually money in it, that's a risk I'm prepared to accept.

      So, I think I have the risks under control, and the account does have limited use. So far, I've had no problems with them, but I think I have the unacceptable risks eliminated.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
    10. Re:People still use pay-pal? by cpghost · · Score: 1

      Amazon's payments services only allow withdrawal of funds to U.S. bank accounts (and only do transactions in U.S. dollars).

      The biggest problem for nearly everyone outside the US is to open a U.S. bank account. Try to get such an account as a European citizen living in Europe (of course without a US SSN)... no way. I guess this limitation is related to fiscal reasons: the IRS seems poorly connected to tax services in other countries.

      --
      cpghost at Cordula's Web.
    11. Re:People still use pay-pal? by justin12345 · · Score: 2, Interesting

      Not to mention PCI compliance. If you are handling your customer's credit card info you better have a lot of time and money on you hands to make sure that info is secure. Paypal, Google, Amazon, and a few others take care of all that for you. I recently had to implement a payment option to replace our merchant account. We wanted to go with Google, only to find out that everything we wanted was still in the "experimental" stage (not fully implemented, no customer support, minimal documentation), not even beta. In the end we had to go with Paypal. We've been using Paypal's basic services for 7 years without any real issues, and we found that implementing their more powerful payment services was relatively painless (so far).

      The other thing is: Having had experience with other merchant account providers and payment gateways, it's not like they are any better. I've been involved in lawsuits where the merchant account people "just couldn't get their computer system to deposit the money" (they lost). You see Paypal in the news now and again, but I've seen the shit their competitors pull, and they're no better. That's why we have courts.

      --
      Cool art gallery, if you're into that sort of thing.
    12. Re:People still use pay-pal? by Nyder · · Score: 1

      Mostly because of either no choice or few alternatives.

      For payment-only, you often have no choice, because it's what eBay and/or a particular merchant accepts. On the other hand, for payment-only it's also relatively unproblematic, because you shouldn't have large amounts of money sitting in the account that PayPal could freeze.

      For accepting money, you're much more exposed to PayPal's whims, and you also have a choice of what payment processor you use. However, you don't often have many good choices. Two of its competitors are Google Checkout and Amazon's payment service, but they're much less international. PayPal supports dozens of currencies and merchants in >100 countries, while Google Checkout is limited to only merchants in the U.S. and U.K., and Amazon's payments services only allow withdrawal of funds to U.S. bank accounts (and only do transactions in U.S. dollars). Since the Minecraft developer is Swedish, neither of those are options.

      Another alternative is to set up a merchant account for processing credit-card payments yourself, but you need to be a certain size for that to be a sensible option. The Minecraft guy probably is big enough now that a merchant account makes sense, but he wasn't when he started out as a random 1-man shop selling a $10 game on the internet.

      Basically there is a big gap in the market for lightweight payment-acceptance services available to non-American merchants. If you're in Sweden, you have PayPal, a merchant account, accepting bank transfers directly, and mailed payments.

      Or use 2 bank accounts and never keep extra money in the 1 bank account you use for paypal?

      --
      Be seeing you...
    13. Re:People still use pay-pal? by EdIII · · Score: 1

      I wholeheartedly second this!

      A few years back I was the victim of fraud and Paypal pretty much looked the other way. At this point I think they cannot possibly be impartial since they get substantial fees from fraudulent activity, and apparently from all the horror stories, just LOVE it when it happens too since they are now justified in freezing entire accounts and confiscating money.

      I was recently shopping around for a service I needed quite badly and my first choice would only take Paypal in the worst way possible. Meaning, PayPal wanted a confirmed account before I could even make a payment. Fuck that noise.

      It took me about 20-30 minutes more of searching but I found a competitor I could make direct CC payments too and so far they have worked out quite well.

      So really, who does use PayPal? Spend a minute or two more and you can usually find non-PayPal options out there. Not worth supporting a criminal organization anyways.

      P.S - I did write a letter to that company and explained to them my sole reason for not choosing their product was PayPal.

    14. Re:People still use pay-pal? by Anonymous Coward · · Score: 0

      http://www.braintreepaymentsolutions.com/pricing: "We are currently only set up to provide merchant accounts for businesses with a legal U.S. presence. We do however have some international customers [...] processing at least 3 million in volume [...]."

    15. Re:People still use pay-pal? by hitmark · · Score: 1

      Except for Paypal (and that is mostly because they have the longest time in the biz they are in), it's the classical "USA == world" outlook that seems to plague all corporations with a US origins. Apple, iirc, have one office, in london, that is supposed to deal with not just Europe, but also the middle east.

      --
      comment first, facts later. http://chem.tufts.edu/AnswersInScience/RelativityofWrong.htm
    16. Re:People still use pay-pal? by fast+turtle · · Score: 1

      I haven't used Paypal/Ebay in over 3 years for some reason and it's not impacted me at all. Simply put, I've found that Google has turned out to be the best friend in finding merchants that I can buy directly from using a CC instead of the Paypal/Ebay system that I've had absolutely no need for it. This has turned out to be a blessing in disguise and everyone reminded me why I need to delete my Paypal account. The account it was linked against is no longer in existence as the bank failed 2 years ago.

      --
      Mod me up/Mod me down: I wont frown as I've no crown
    17. Re:People still use pay-pal? by Hal+The+Computer · · Score: 1

      Actually, their minimum monthly fee appears to be $75 + $35 = $110. However good they may be, they're not really competing with Paypal.

      They also don't provide merchant accounts to people outside the U.S. Which is the grandparents entire point. Your post isn't that relevant.

      --

      int main(void){int x=01232;while(malloc(x));return x;}
    18. Re:People still use pay-pal? by KDR_11k · · Score: 1

      Key word is credit cards. Most of the EU doesn't commonly have credit cards so if you're dealing with that market it's either bank transfers (admittedly I don't believe those are a bad idea, there's just no fraud protection so you'd need a trustworthy merchant which the Minecraft developer certainly is and I believe EU transfers are still reasonably priced) or an intermediary that takes those bank transfers and then does online payment.

      --
      Justice is the sheep getting arrested while an impartial judge declares the vote void.
    19. Re:People still use pay-pal? by KDR_11k · · Score: 1

      Other services I've seen in the EU are Moneybookers (used by Play Asia), similar to PayPal but EU based and apparently subject to some strict laws and Clickandbuy (used by iTunes and Steam) which allows direct debit payment.

      --
      Justice is the sheep getting arrested while an impartial judge declares the vote void.
    20. Re:People still use pay-pal? by KDR_11k · · Score: 1

      That's not the problem. Money you receive via PayPal isn't transferred to your bank account immediately, it's stored in your PayPal accouint until you withdraw it to your bank account and that PayPal account is what's risky since it can get frozen or seized.

      --
      Justice is the sheep getting arrested while an impartial judge declares the vote void.
    21. Re:People still use pay-pal? by narthollis · · Score: 1

      I just had a quick read through the BrainTree website and they can only offer merchant accounts to the companies with a legal presence in the use - or through partners who generally require a turn over of 3mil+

      This still leaves most of the world with only PayPal as an option.

    22. Re:People still use pay-pal? by Vitani · · Score: 1

      For those looking for BrainTree and getting results for a town in Essex (like I did), the URL you need is http://www.braintreepaymentsolutions.com/

    23. Re:People still use pay-pal? by V+for+Vendetta · · Score: 1

      Other services I've seen in the EU are Moneybookers (used by Play Asia), similar to PayPal but EU based and apparently subject to some strict laws.

      PayPal has registered as a bank in Europe in 2007 (PayPal (Europe) S.à r.l. & Cie, S.C.A.). Apparently they had to in order to be able to continue their business in Europe. So I'm pretty sure they fall under the same legislation as Moneybookers in the EU.

      If that Mincraft guy is from Sweden, he should talk to his local banking regulation/customer protection office.

  46. 600,000 in PayPal - Crazy Nuts by Anonymous Coward · · Score: 0

    And why would anyone let their PayPal balance reach 600,000???
    It's not like they are FDIC or pay great interest rates.

    Very suspicious!!!!!

    1. Re:600,000 in PayPal - Crazy Nuts by Pluvius · · Score: 2, Informative

      Sigh... Slashdot: News for Nerds Who Can't Read.

      payments for the alpha version of Minecraft have continued accumulating while Notch has been unable to withdraw them, and the account now contains over €600,000.

      Rob

    2. Re:600,000 in PayPal - Crazy Nuts by Zibblsnrt · · Score: 1

      That 600K has built up since the account was locked, which usually prevents people from withdrawing money from their PayPal accounts. Sixty thousand orders for a popular game in that timeframe - especially one that's popular on SA and the various chans, and is plugged by TF2's and Rock Paper Shotguns' websites - is entirely reasonable. Hell, Dwarf Fortress pulled together tens of thousands of dollars in a couple of days back in April through a mere tip jar and with vastly less exposure.

      It's probably easier for people to say "I'm too lazy to look into the game in question about which I know little or nothing, so I'll just decide he's doing something illegal," though.

      --
      "All that is necessary for evil to succeed is for good men to do nothing." - Edmund Burke
  47. PayPal has done worse by Anonymous Coward · · Score: 1, Funny

    In 2003, I sold a radio at a hamfest for about $800... the guy dropped it at some point on his way home and tried to make me give him his money back.

    I refused, naturally, but since he had my email address, he somehow managed to get Paypal to take the money right out of my checking account and give it to him, even though the transaction had nothing to do with Paypal.

    I never did get that money back... or the radio.

  48. It's easy to explain: by Anonymous Coward · · Score: 0

    This kind of service would be ideal for two purposes:

    1. Terrorism financing.
    2. Money laundering.

    I don't know US regulations, but here in Poland this matters are tightly regulated.

    Banks, insurance institutions, casinos and Civil-law notaries must pass informations about money flows to ministry of finance, where this data is processed.

    All this anonymity you postulate, would cripple such systems, therefore it won't be allowed.

  49. Only when I have to by interval1066 · · Score: 1

    I hold my nose every time I am forced to use paypal to make a payment to some one online because I bought something from them on ebay. These sellers are fine, I have no problem paying them. I just wish they knew that there are paypal alternatives out there. A few more stores like this and maybe they'll start noticing;

    • http://checkout.google.com/
    • http://www.moneybookers.com/
    • http://www.paymate.com
    • https://www.obopay.com/
    • https://payments.amazon.com/sdui/sdui/personal/money

    That's just a few.

    --
    Python: 'And then suddenly you have a language which says "we're all stuck with whatever the whiniest coder wants".'
    1. Re:Only when I have to by b0bby · · Score: 1

      The problem is, you HAVE to offer PayPal on ebay, so why set up another account? Especially since PayPal already has the most members, so it's likely the easiest thing for the buyers too. That's why it's so hard for these other services to gain traction.

    2. Re:Only when I have to by interval1066 · · Score: 1

      Well, no, there are ways around paypud if you're selling on ebay. Now this developer, he was selling his warez on ebay? Don't think so. I think he was simply using ebay to collect his game profits.

      --
      Python: 'And then suddenly you have a language which says "we're all stuck with whatever the whiniest coder wants".'
  50. oh I have been here before. by Anonymous Coward · · Score: 0

    I have used PayPal for selling goods and running a company for many years. After my loss of my first account for unknown reasons. After that I would setup 1 account for the store and have 3 back ups, this would limit my site from getting shutdown and unable to except any payments. I also setup a credit card processing system myself and offered items cheaper if they would use this method. I also on made sure on each paypal order the user must have a verified and confirmed address. I would also use geo-tracking along with a phone system to make sure each buyer was who they claimed to be, the reason for all this was there is a very high rate of stolen paypal accounts, or kids using parents paypal accounts or credit cards with out them knowing and one quick call by the parent to the credit card company results in a charge back dispute which will end up in me losing no matter what, unless an item is shipped with a tracking number to the address that is confirmed. Anyways after doing all these types of things to help protect me worked out well for a while I was able to detect false buyers trying to steal goods. I even came across one child who used their parents credit card on my credit processing system. I ended up talking to an adult on the phone, it was the 3rd time this had happened to them. Turns out there child was stealing the credit cards and using them to buy things online, the family was shocked of course. Anyways all in all this did not save me in the end, I ended up doing $20k in sales in one weekend and my account was frozen. I sent in all the required info and never got any details from them. I know paypal has a bad history of things like this and I am not by far a fan of paypal but there are sometimes more to it then one thinks. On all things that do not have to be shipped, you will always lose a charge dispute in the end.

  51. It's all in how you use it by Control-Z · · Score: 1

    The only way I would use PayPal to collect payments is if I regularly cleared out the account. There is little or no recourse if they decide they're keeping your money.

  52. Here's what you do... by Restil · · Score: 1

    Get a paypal account and a checking account to link it to. Anytime money is received, move it OUT of your checking account into another account at the same bank, which should be instantaneous. Do this daily. If paypal decides to screw around, they can't pull any money back, and you're never more than one day in the hole. Immediately stop using that paypal account and either set up a new one, with a new checking account, or stop using it until the dispute is resolved.

    Ultimately, however, if you can afford it and your credit can handle it, just get a merchant account and accept credit cards directly. I'm sure there are people that only do paypal to paypal, but many more use credit cards through paypal and can probably pay with a credit/debit card if paypal itself wasn't an option. And of course, anyone can go buy a throwaway debit card if they really need to. Then just keep paypal as an additional option, but discourage its use.

    -Restil

    --
    Play with my webcams and lights here
  53. Use Amazon Payments instead by daggre · · Score: 1

    If for no other reason than to stimulate competition in this area, everyone should start using Amazon Payments whenever possible. PayPal has been forging their own rules for years. I once had someone do an "instant transfer" from my account for $500 to an online casino that I didn't authorize. PayPal said the account wasn't hacked but couldn't explain how the transfer was completed. Fortunately I caught it before it cleared my bank account and had the bank do a stop payment on the transfer. This got ME black-listed at PayPal for several months even though they had been contacted by me, my bank, AND the casino saying that the transaction was never authorized! If I hadn't managed to stop them I'm sure they would have held that money for months. This kind of behavior simply has to stop. Hopefully once Amazon Payments becomes more widely used, PayPal will stop acting like they answer to nobody and realize that they need to make improvements not just make money. As far as I know, Google Checkout doesn't allow transfer of funds for any reason, only for the sale of some product or service. PayPal and Amazon Payments let you send money for any reason at all.

    1. Re:Use Amazon Payments instead by Yvan256 · · Score: 1

      Checkout by Amazon is currently available only for sellers in the United States. So much for that option.

      There's a reason PayPal are still around. They work in more than one country. They're also regulated as banks in some countries, except the USA of course.

  54. Never Let The Money Sit.. by SuperCharlie · · Score: 1

    As soon as you get the email notification someone has paid you get that money out of there. I never have more than 99 cents in my account for over 12 hours. Never.

    1. Re:Never Let The Money Sit.. by Anonymous Coward · · Score: 0

      He has been pulling the money out... until PayPal started holding it.

    2. Re:Never Let The Money Sit.. by KingAlanI · · Score: 1

      Yeah, I often withdraw the entire balance to my bank account, especially since I don't have any problems with taking $ back out of my account (either on the bank end or the PayPal end) if I want to spend $ through PayPal. [Now that I have my own payment card, I often use that directly to spend money, but I can't so easily avoid PayPal when *receiving* money]

      --
      I listen to both RIAA and non-RIAA stuff if I like the music, tangential business/politics nonwithstanding.
  55. Merchant accounts by Animats · · Score: 1

    The way to do a merchant account, if you're serious, is to go in person to a big bank, where you have other accounts, and open a business checking account or two. They'll want to see various documents. Do all that. You may have to put down a deposit if you're a new merchant, but that's negotiable. Then, when you start accepting payments on line, find a credit card processor who will connect directly to your bank. The legit processors, like "authorize.net", will do this.

    When you do it this way, the money goes directly from the customer to your bank account. There may still be chargebacks, and the bank may place holds on your withdrawals. But the money is in your account, and subject to published banking regulations. Chase is considered the big dog of banks for merchant accounts.

    Avoid PayPal, "Value-Added Resellers", and other non-bank middlemen. If you have to use a "merchant service provider", pick one that's owned by a bank, and deal with them directly, not through some reseller.

    Of course, you have to be a legitimate business to do this. Your business licenses and D/B/A names should be current, and having a Dun and Bradstreet rating helps. You have to have a good credit rating personally. And if you have too many chargebacks, the bank will dump you, so you have to keep your customers happy. Otherwise, you get kicked down to the sub-prime merchant account market, which is not a happy place. You'll pay more periodic fees, but lower per-transaction fees.

    Incidentally, don't keep more than $100,000 in any one US bank. Banks go bust all the time. 10 more banks went bust last month.

    1. Re:Merchant accounts by blair1q · · Score: 2, Interesting

      The meatspace way to do a merchant account,

      There. I fixed that for you.

      People online don't generally think of doing things the old way when the new way seems so easy.

      We also don't read EULAs. So we don't read account agreements in general. Bank account agreements included. So it's unlikely we'll read the Paypal account agreement and see where it isn't in agreement with any bank account agreement we've ever not read. So our surprise upon finding out they're not a bank and don't have the same regulations as a bank is genuine, if self-inflicted.

      But while they aren't a bank, they may be a fiduciary, so if they're serving their interests instead of ours where our money is concerned, they're asking for a beat-down in court.

    2. Re:Merchant accounts by Stray7Xi · · Score: 1

      Incidentally, don't keep more than $100,000 in any one US bank. Banks go bust all the time. 10 more banks went bust last month.

      FDIC insurance was raised to 250k:

      "On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. "

      http://www.fdic.gov/deposit/deposits/changes.html

    3. Re:Merchant accounts by kramerd · · Score: 1

      FDIC protection is $250,000 not $100,000 (since May 20, 2010). This is only for non-interest bearing accounts. You get an additional 250k insured for each interest bearing account (CD, IRA, checking, savings, etc.), per bank.

      Also, you can purchase insurance for higher amounts to get your account insured in full.

    4. Re:Merchant accounts by Animats · · Score: 1

      We also don't read EULAs. So we don't read account agreements in general. Bank account agreements included. So it's unlikely we'll read the Paypal account agreement and see where it isn't in agreement with any bank account agreement we've ever not read. So our surprise upon finding out they're not a bank and don't have the same regulations as a bank is genuine, if self-inflicted.

      You mean you don't Google for "Paypal sucks" before considering dealing with them?

    5. Re:Merchant accounts by KingAlanI · · Score: 1

      The FDIC limit was upped to $250,000 in 2008, but I see your point.

      At either 100K or 250K, I wish this was a problem I had to deal with. :P

      --
      I listen to both RIAA and non-RIAA stuff if I like the music, tangential business/politics nonwithstanding.
  56. Stop fighting PayPal by yourself... by QuietLagoon · · Score: 1

    ... and start filing complaints with these helpful people. Also start talking with the various Finance Committees.

  57. No Problem by orsty3001 · · Score: 1

    As long as PayPal pays interest it shouldn't be a problem.

  58. Accounts Payable issues... by Anonymous Coward · · Score: 0

    You have to wonder if this is their way of dealing with accounts payable shortages. Find small accounts that move large amounts of money, seize it indefinitely and discourage pro-bono lawyers from nailing their heads to the wall.

  59. All EULAs, TOSes, and TOUs aside... by Anonymous Coward · · Score: 0

    No matter what kind of agreement you have to sign with PayPal, how could this possibly be legal? If they decide there's something fishy going on, they're going to keep the money? If there's something fishy going on, shouldn't that money be given back to the buyers or remitted to the government?

  60. Interest? by don_carnage · · Score: 1

    I'm sure Paypal has those funds sitting in an account gaining a good deal of interest right now.

  61. Slashertisment by DarthVain · · Score: 1

    Well he certainly couldn't have gotten better advertising.

    I have never heard of "Minecraft" until today...

  62. Reasons for sales by Anonymous Coward · · Score: 0

    For those doubting that the game has sold 60k copies. Seananners (youtuber from machinima with 250k subs) has made a whole series of videos of him playing and "casting" the game. The first two have 250k and 200k+ views. You cant have much better viral marketing than this when it comes to gaming. No wonder the game sales blew up in a short time. http://www.youtube.com/watch?v=ANgI2o_Jinc&feature=fvst

  63. The problem with on-line donations by Big+Smirk · · Score: 2, Interesting

    If you buy through Paypal and receive the product via a download, there is no guarantee that the product got into the hands of the legal owner of the credit card.

    So with stolen credit cards or Paypal accounts, some people must have been downloading the game (or however its registered). When the rightful owners found out, they had the charges reversed. Leaving Paypal to prove that the money wasn't indeed stolen.

    Paypal offers protection only if you send to 'verified address'. If you send the product to some random address, then you are taking a risk. Likewise with activation codes.

    If Bob.Smith@hotmail.com trys to buy something from you using a Paypal account assigned to Nancy.Smith@google.com, your an idiot if you send the activation code to Bob.Smith@hotmail.com. Activation code should only be sent to Nancy.Smith.

    Bottom line, if he has 600,000 in the account, you can bet Paypal was just hit up by a credit card company to return some of that money. Paypal is just trying to figure out exactly what has to be returned. If its a lot of accounts, Paypal might freeze the account just to see how much money needs to be returned. Eventually, when whatever statute of limitations runs out, he will get the balance (Paypal of course gets the interest over those many months).

    I've had 0 problems with Paypal. I only ship to verified addresses.

    --
    TODO: create/find/steal funny sig.
  64. Isn't anyone wondering... by Shoten · · Score: 1

    ...how a game in the alpha stage by an independent developer that a lot of use haven't heard of before has managed to make close to a million dollars in such an incredibly short amount of time? Don't get me wrong; I have had my share of headaches with PayPal, and I definitely agree that they suck ass on an epic level. But something about this seems a little odd to me. His account was suspended just a couple of weeks ago, and there's now 600,000 euros in it, which means that (at the exchange rate at time when I'm typing this) he's got 763,800 USD in there now. So either he was using his PayPal account as a bank and just letting the money sit over a period of time (which doesn't seem likely...who the hell lets that much cash just sit in an account without spending or investing it?) or most of it came in within a span of about 2-3 weeks. An indie game, in alpha, pulling in $250K a week in sales? Really?

    --

    For your security, this post has been encrypted with ROT-13, twice.
    1. Re:Isn't anyone wondering... by compro01 · · Score: 1

      Said game was mentioned by the Team Fortress 2 dev team on their blog back in July and has been spreading like wildfire since. Valve have been in discussions with the guy about the game. The game has almost as many hits on google as he has in dollars in that account.

      --
      upon the advice of my lawyer, i have no sig at this time
  65. What else but PayPal? by Yvan256 · · Score: 5, Insightful

    Before you say "stop using PayPal and start using something else", what else are we supposed to use?

    Google Checkout, for example, is only available in the USA and the UK.

    Another thing about PayPal is that it's extremely simple to add to a website. All you need is a few lines of HTML and you have a shopping cart and payment system.

    1. Re:What else but PayPal? by butalearner · · Score: 1

      I was under the impression that BMT Micro was much preferred by indies, though it hasn't been mentioned a single time in this thread. I know that's what Positech uses and he brings in six figures in revenue.

    2. Re:What else but PayPal? by Luke+has+no+name · · Score: 1
    3. Re:What else but PayPal? by Anonymous Coward · · Score: 0

      Well, something to think about.

      If the merchant I am going to do business with only accepts Pay-Pal, then I simply will not do
      business with the merchant. Period.

      Once upon a time I, too, had a PayPal account. Mysteriously, PayPal detected some Russian
      Hacking Activity on my account, and they ' limited ' it for security purposes. I had not used it for
      years, so I simply sent them an email that it was okay to close the account if they were concerned
      about its security.

      Simple no ?

      HAH. Far from it.

      I was one of the initial account holders where you didn't have to provide your entire life's secrets to
      have an account. Name, address and valid Credit Card was pretty much it. In order to CLOSE the
      account, I was informed that I needed to provide additional private information they currently didn't
      have on my account. You know, phone numbers, bank account numbers, etc. etc.

      I asked them why would I provide such information on an account I was trying to close ? They were
      adamant about it and refused to close the account without it. So, I changed the password to the biggest
      password the world has ever witnessed and I let the account sit idle for the next year or so. A lot of hate
      mail came and went threatening to "close my account" if I didn't cough up the information they wanted so
      I could " CLOSE MY ACCOUNT " :|

      Long story short version: They closed my account and I am no longer welcome to use PayPal services.

      I don't miss them :D My ( insert Major Credit Card here ) works just fine thanks. Don't support it ? Don't
      get my business. Just that simple.

    4. Re:What else but PayPal? by eulernet · · Score: 1

      No:

      https://opencuro.com/signups/register

      Please note that registration is currently open to United States residents only.

      It's useless for us, europeans.

    5. Re:What else but PayPal? by Luke+has+no+name · · Score: 1

      Then use some other tool to shop in Europe, or take Opencuro's idea and start the business. Get a friend to buy you cheap American products. Petition Opencuro to work internationally. Finally, as you imply, find someone else to use that does online, secure, quick international currency transactions.

      I can only imagine that setting up an international cash-exchange website is a high barrier-to-entry endeavor, thanks Government.

      In any case, I like Opencuro's system better than Paypal's. I had a business idea better than Opencuro's (in theory) but got demotivated when I saw it'd been done.

  66. Lesser Among Evils by RAMMS+EIN · · Score: 1

    Stories like this are quite common with PayPal. On the other hand, the alternatives aren't necessarily much better. Bank transfers are a hassle, especially international transfers, and may be expensive, too. For small amounts of money, they are often not worth the transaction cost and the hassle. Credit card processors often charge high monthly rates, and/or allow buyers to completely bankrupt the seller by calling for a refund, which will be deducted from the seller's balance, with an added reprocessing fee that the seller gets to pay.

    I reckon that, by comparison, PayPal is relatively cheap and easy. You can mitigate the risk of them locking your account by not keeping a high balance. Also, IIRC, in the European Union, they are regulated like a bank and cannot easily pull stunts like they do in the USA.

    I am sure there are better alternatives, so let's hear them! The problem is largely network effects: banks, credit cards, and PayPal work, because many people can send and receive funds through them. If we all get accounts on a better system, using that system becomes a more viable option for those wishing to exchange funds online.

    --
    Please correct me if I got my facts wrong.
  67. I think most people miss the real problem. by MyFirstNameIsPaul · · Score: 1

    EBay is the real problem. The fact that they require payment with PayPal is what makes PayPal so popular. Nearly everybody I know uses eBay or one of their subsidiaries. Sure, there are some eccentrics here on /. that abstain, but they are a sliver of the population.

    --

    I once took an excursion to Reddit, and later HN. Unlimited up/down voting sucks when dealing with a hive-mind.

  68. Correction: Interac can be used by businesses by tomhudson · · Score: 1
    Parent poster wrote:

    Interac email money transfer forbids the use for any kind of business activity; it's strictly for consumers sending money to each other.

    I think Interac disagrees with you :-)

    I have a business. Can I receive Interac Email Money Transfer?

    Some of our participating financial institutions have enabled the Interac Email Money Transfer service for their small business online banking customers. If you bank online at one of these institutions, you can send transfers to people or other small businesses; and you can deposit transfers from other people or other small businesses.

    Note, however, that small business customers can only deposit transfers if they bank online at one of the participating financial institutions that has enabled Interac Email Money Transfer service for small businesses.

    The US needs to get rid of their various walled gardens.

  69. Why use PayPal? by gilesjuk · · Score: 1

    If you are going to take hundreds of thousands in payments then surely registering as a card merchant would be a safer bet?

    PayPal are ok for a few ebay purchases, but for receiving payments they leave a lot to be desired.

  70. Paypal keep 600,000 of their customer's cash? by mysidia · · Score: 1

    Sounds like fraud or grand theft.... it would be if anyone else did it, why is PayPal so privileged and above the law, that they can keep their customer's money, if they are just a payment processing service the person hired to you know... accept payments and remit to them?

    That is some serious chump change for PayPal to be stealing....

    1. Re:Paypal keep 600,000 of their customer's cash? by Skapare · · Score: 1

      This is just SOP for corporations.

      --
      now we need to go OSS in diesel cars
  71. Here's what happened: by Anonymous Coward · · Score: 0

    I used to work in that hell hole of a company, so I'm posting this anonymously. Here's what happened from the perspective of an insider:

    PayPal monitors accounts for trends in activity. This is to prevent accounts from being stolen/hijacked and used to launder money. If someone is running a pyramid scheme, PayPal would notice eventually that an account is getting funneled lots of money from lots of different accounts and flag that for review as suspicious.

    What happened in this case, is that the indie developer fits that profile. An upstart account is suddenly receiving tons of money from tons of people for reasons unexplained. What the company does in this case is freeze the account and challenge the account holder to justify the account activity. If it can be justified as legitimate commerce, the account is freed up and can go on its merry way. If it was fraud, the account was frozen and the money can be rightfully returned to its owners.

    PayPal is really a soulless asshole on the internet, but at least there is some reason behind it. I'm sure this is a hardship to the developer, but with a little effort they should be able to get this squared away.

  72. Re:Correction: Interac can be used by businesses by Guspaz · · Score: 1

    I guess that our bank is one of those that doesn't allow it, then.

  73. This is all Meg Whitman's fault. by Khyber · · Score: 4, Insightful

    Were it not for her putting PayPal as the main eBay payment processor, this shit would have never happened as PayPal would be DEAD.

    Those of you living in California, DO NOT VOTE MEG WHITMAN IF YOU HAVE HALF A BRAIN.

    --
    Still waiting on Serviscope_minor to wake up to fucking reality and realize that Jessica Price isn't going to fuck him.
    1. Re:This is all Meg Whitman's fault. by Nyder · · Score: 1

      Were it not for her putting PayPal as the main eBay payment processor, this shit would have never happened as PayPal would be DEAD.

      Those of you living in California, DO NOT VOTE MEG WHITMAN IF YOU HAVE HALF A BRAIN.

      Too late. people that live in California are shown to not have any brains.

      --
      Be seeing you...
  74. Wow! Topping Starcraft as best selling game! by spun · · Score: 0, Flamebait

    600,000 euros in a month's worth of sales for an alpha release indie game? Must be damn good! I mean, at that rate of sales the game will top Starcraft as the number one selling game of all time in about a year. Starcraft took twelve years to reach that figure, but I'm sure this is much better than Starcraft.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Wow! Topping Starcraft as best selling game! by Anonymous Coward · · Score: 0

      Care to explain the sarcasm and the extreme hyperbole?
      Apparently a lot of people like the game. It got mentioned on several popular websites (Valve, Bethesda, Reddit, Penny-Arcade, Somethingawful, 4chan, ...) and therefor there have been a lot of sales recently. There are stats on the website. 130k sales total and 4k+ in the last 24 hours. From the story we know that about half of the sales happened recently due to the aforementioned exposure. It's a lot for an indie game, but exposure drives sales and it's not anywhere near blockbuster games like Starcraft.
      Frankly it's not a game I'd find interesting, I'm more into turn-based strategy, but I played it for a bit and it's well made and very stable. Just because it's called alpha doesn't mean it's crap. Google labels most things as beta when they come out. You can try the free version of the game if your interested. You can download it or play it directly in browser.

  75. Don't burn the Koran... by mschaffer · · Score: 1

    Burn PayPal instead!

  76. Re:Correction: Interac can be used by businesses by Have+Brain+Will+Rent · · Score: 1

    Ahhh that is good to know - mine (BMO) doesn't allow use by small business... hmmm at least not incorporated ones,,, I'll have to ask what their policy is on unincorporated small businesses, Might be a reason to change my bank. Which ones do you know of that allow this?

    --
    The tyrant will always find a pretext for his tyranny - Aesop
  77. Okay... So this ISN'T fraud? by Nobo · · Score: 1

    Why is PayPal the issue here? I looked at the demo of his game, and it appears to be a little 3d java applet where you put in blocks and take out blocks and nothing else happens. It appears to be of no more complexity than many college group software design projects.

    What, pray tell, has he done, that merits him receiving Seven hundred and fifty thousand USD in contributions in sixteen days to promote and continue development of this app?

    That values this java app at a $16M USD yearly revenue? I see no reason at all why it's unreasonable to set off an investigation into fraud or embezzling here. And if it is legit, hell, I need to get into making crappy Java apps.

    1. Re:Okay... So this ISN'T fraud? by seebs · · Score: 1

      It's fun. People will pay a few bucks to have a fun game. If it were currently possible to pay for it, I might well too.

      Fraud would be if you lied about what you were giving people. If people are willing to spend money on something you personally don't like, that doesn't make it fraud -- or Brittney Spears would be in a LOT of legal trouble.

      --
      My blog: http://www.seebs.net/log/ --- My iPhone/iPad app: http://www.seebs.net/seebsfrac/
    2. Re:Okay... So this ISN'T fraud? by FuckingNickName · · Score: 1

      The problem with capitalism is that it is democracy weighted by personal wealth.

    3. Re:Okay... So this ISN'T fraud? by Narishma · · Score: 1

      The free version is not a game, it's just a sandbox demo where you can build what you want. The payed version has day/night cycles, where monsters attack at night and you have to survive. In addition, you have to mine and collect the resources yourself instead of having an infinite amount of them like in the free version. There's also a multiplayer mode.

      --
      Mada mada dane.
    4. Re:Okay... So this ISN'T fraud? by Sabriel · · Score: 1

      There are seven billion people on earth. Almost two billion of them use the internet. At 10 USD per purchase, that's a mere 0.00375% of the internet buying his game, and that's *after* news of the game went "viral".

      If you skim through the rest of this /. thread you'll also find comments about it being a kind of first-person equivalent of an old game called Dwarf Fortress, which has something of a cult following; ergo, he found an unfulfilled niche market.

      As for why PayPal is the issue here - maybe it's the part where "if they conclude that there is funny business involved, they will keep the money." That's a very unethical stance, and I don't know what country you're in but in mine it also happens to be illegal.

    5. Re:Okay... So this ISN'T fraud? by BillyWM · · Score: 1

      Dwarf Fortress isn't old, it just looks it because of the ASCII ;) But that's irrelevant....

      Yes, that's the most offensive part of this, for me, which a lot of people aren't getting: I don't care that PayPal is slow and inefficient and can't sort through these payments quicker than a few weeks. I have no interest in entertaining the conspiracy theories surrounding that, that they're sitting on it to collect interest. It's that last bit, that they have the gall even think of robbing someone of 750K in broad daylight. They've assigned themselves judge, jury, and executioner, the final authority on a matter concerning 3/4 of a MILLION dollars. Fuck no, you are merely a business, you are not the law. I don't care what you THINK your TOSes and contracts entitle you to, you do not get to extend your power to that level. If there is "funny business", then you had it over to the feds and law enforcement makes the final decision. We as a society cannot tolerate the move they're trying to pull here.

    6. Re:Okay... So this ISN'T fraud? by BillyWM · · Score: 1

      You probably looked at "creative mode" for 5 seconds (which is completely free and always has been, mind you) for the purpose of replying to this thread, then quickly closed it because you already had your mind made up and a negative comment readied, and you'll be damned if you're not going to post it!

      Even if Minecraft was nothing more than virtual legos, guess what? That's enough if people say it is. If people decide that's what they like, then that's that. The value of something is in what people will pay. Minecraft doesn't have to defer to your game design snobbery which says "Only vertex-shaded space marines are good". You don't have to do anything that "merits" earning that sum. You don't have to obey some exterior standard for what is deserving and what is not. We all can like whatever we damn well please, and pay whatever to whoever we want to for the privilege of experiencing the wonderful thing, in our opinion (the only opinion that matters), that they have created.

      The issue here is that if a big company doesn't "get it" anymore than you do and arbitrarily wants to shit on you, they think they can steal 3/4 of a million dollars from you based on their personal judgement of the legitimacy of the situation.

      As for making "crappy" Java apps, just go ahead and try. You'll find it isn't very easy because his code isn't "crappy" at all. Just to rub salt in your wound, I'll also point out that Notch was the programmer who made "Infinite Mario Brothers", another beloved, massive viral success that spawned an annual AI competition. Look on Youtube for "Infinite Mario AI". A demo video of the winning entry in the contest he spawned has 730,000 views since last year: http://www.youtube.com/watch?v=DlkMs4ZHHr8

      He released the code as public domain because he's just such a cool guy (If you prefer Flash, a Japanese programmer translated it to AS3 and also released it as public domain). Go ahead and test your "crappy Java app" chops by improving upon his quite clean and organized public domain code.

  78. Sanity Check by spun · · Score: 1

    Maybe we should do a basic sanity check and ask ourselves, how much did the best selling game of all time make? Starcraft made 11 million dollars in sales in 12 years. If the game is actually selling 600,000 euros per month, it will top 11 million in a little over a year.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Sanity Check by Anonymous Coward · · Score: 0

      Starcraft made 11 million dollars in sales in 12 years.

      You are wrong. Starcraft sold 11 million copies in 12 years.

  79. Donation system is broken though by Anonymous Coward · · Score: 0

    Last I checked, it still doesn't have a donation option. Ok, there's one for registered non-profits... But for those you have to send in some IRS forms and all that crap. But if you're an individual accepting donations for your software project or online media, is it really necessary to go through all those hoops for that?

    Instead the only way to accept digital busker style donations via Google Checkout is that you have to set up a tiered system of donation amounts. And then hope somebody doesn't get too confused by having multiple "sale prices" for something that also can be had for free. Also setting up the various donation amounts means quite a bit more work on your end.

    Maybe Google will catch on and allow other donation types where the person sending the money can set the amount. But so far no dice.

    Paypal, despite their problems allows people to set donation amounts and doesn't require the receiver to be a non-profit for this type of transaction.

  80. I think a PayPal employee found .... by Anonymous Coward · · Score: 0

    ...an easy way to try to perform some damage limitation by trash-talking one of his company's victims on Slashdot.

    Tell your boss to quit fucking around and give the guy the money he's earned.

  81. PayPal is for fun by equex · · Score: 1

    When are people gonna learn NOT TO USE PAYPAL FOR ANYTHING IMPORTANT. He should have withdrawn little by little until he could afford a more serious merchant scheme like VISA. People who wish to do online shopping should dedicate a small account in their bank to link with their credit card so even if they get scammed of their info, it will still have a small impact. Also put a credit limit on the card so it cant be overdrawn. Regularly you pull money from your 'online' bank account to your main account. Too much work ? Well, it can cost you 600K euros. No-brainer. Come on, PayPal must be legendary for their shady practices by now.

    --
    Can I light a sig ?
  82. Selling an unfinished product by topham · · Score: 2, Interesting

    Selling an unfinished product, and having substantially amount of success at it will trigger PayPals fraud department.

    Sad, but true...

  83. Know what boosts game sales? Controversy. by spun · · Score: 0, Flamebait

    Okay, there we go. 130k sales total? Where did the other 470k come from?

    Stop reading things into my statements that just aren't there. I never said the game was crap. I never said anything about the quality of the game at all.

    I am directly suggesting that a large deposit was made, by the developers, in order to do three things: get the account locked, garnering free publicity, and making it look as though the game is far more popular than it is.

    Dirty pool, man. And it's an abuse of Slashdot. You want advertising here? Pay for it.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Know what boosts game sales? Controversy. by Narishma · · Score: 1

      I'm not sure if you're trolling or are just dense, but nobody said anything about 600k sales. It's 600k € coming from 60k sales. Frankly, your made up scenario is completely ridiculous.

      --
      Mada mada dane.
    2. Re:Know what boosts game sales? Controversy. by nedlohs · · Score: 1

      It doesn't cost 1 euro, which would be obvious to anyone not intentionally being a moron.

      In fact it currently costs 10, so those 134821 sales is 1,348,210 euros or a bit over $1.7 million US. Having half your sales be at the tail end when the publicity ramped up isn't exactly unexpected.

  84. Shut Them Down by Anonymous Coward · · Score: 0

    Paypal needs to be shut down until regulations are in place that spell out exactly what Paypal can and cannot do with money that obviously does not belong to them.

  85. Oooh! Conspiracy theory! Follow the money. by spun · · Score: 0, Troll

    So? It still shows that the idea that this game made 600k euros in sales in a month is ludicrous. It didn't.

    Here's my theory. These guys had some venture capital to start up their studio. Knowing Paypal's policies, they deposited the money into Paypal knowing full well that Paypal would lock the account. Then they screamed about the injustice to everyone who would listen. Now, everyone knows that this game is hugely popular, why just look how much money they had in the account!

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Oooh! Conspiracy theory! Follow the money. by 10Neon · · Score: 1
      Here's some math for you:

      The game is sold for 10 euro a copy.

      600,000 / 10 = 60,000 copies sold in one month.

      1 month = 30 days

      60,000 / 30 = 2000 copies/day

      That means, on average, the game sold 2000 copies every day of the last month.

      Is that a reasonable number?

      On the minecraft site, the number of copies sold in the last 24 hours is constantly shown. As of this post that number is 4486. So it is clear that 2000/day is well within the realm of possibility.

      This isn't even a particularly massive number for a successful indie game. World of Goo was on sale last year (a year after it was originally released, I might add), and made 57,000 sales in a single week. (Due to the nature of that sale, about 17,000 basically got the game for free, so a more accurate number is around 40,000 sales over that period.)

      So no- you really don't need a conspiracy theory to explain these numbers.

      --
      The Guide is definitive. Reality is frequently inaccurate.
    2. Re:Oooh! Conspiracy theory! Follow the money. by Leynos · · Score: 1

      EUR600k @ EUR10 / sale = 30k sales.

      And you, sir, are an idiot.

      --
      "Did you exchange a walk on part in the war for a lead role in a cage?"
    3. Re:Oooh! Conspiracy theory! Follow the money. by Leynos · · Score: 1

      60k sales make that. You're still an idiot though.

      --
      "Did you exchange a walk on part in the war for a lead role in a cage?"
  86. I dont get it by OverlordQ · · Score: 1

    So PayPal freezes his account, as they're apt to do randomly and without good reason, and instead of switching to say Google Checkout or Amazon Payments immediately, he just waits till 600k piles up and then complains on the internet?

    Yea I feel bad for him, but he shares the blame.

    --
    Your hair look like poop, Bob! - Wanker.
    1. Re:I dont get it by Yvan256 · · Score: 1

      If he has 600 000 euro in his account, it means he's in Europe. Neither Google Checkout (USA or UK only) or Amazon Payments (USA only) are available to him.

  87. Re:Correction: Interac can be used by businesses by tomhudson · · Score: 1
    Here you go: TD Canada Trust

    Small Business

    Interac Email Money Transfer

    Send or receive money anytime, anywhere!
    With the convenience of the Interac Email Money Transfer service and our EasyWeb Internet banking, it's faster and easier than ever to send or receive money.

    A fast and easy way to send and receive money
    Now you can send money directly from your business bank account to anyone with an email address and an account at a Canadian financial institution.1 And your customers can send money to you just as easily!

    It's convenient.
    No exchange of bank account numbers is required: just the name and email address of the business or person receiving the money.

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    And it's cost-effective too! Sending costs only $1.502 per transaction and receiving payment is FREE.

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  88. Paypal Sucks by SphericalCrusher · · Score: 1

    I had to deal with the same shit two weeks ago except it was $2,000 USD. PayPal blocked my account until they could contact 6 people I made eBay sales to. I don't know if it was the Patriot Act or what, but it was annoying as hell. I could not take any of the money out. After two weeks, they finally removed the ban... I'm currently looking into other sale sites and Google Check in as an option because I never want to have to deal with that again.

    --
    "Instant gratification takes too long." - Carrie Fisher
  89. Stop defending a cheap publicity stunt by spun · · Score: 1

    Really? When they say they only made 130k in sales, where did the other 470k come from?

    This is a cheap publicity stunt, nothing more.

    --
    - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
    1. Re:Stop defending a cheap publicity stunt by Anonymous Coward · · Score: 0

      That's 130-thousand transactions, you illiterate fuck. $600,000 is less than half what they made. I can't stand people like you. Posting every goddamn minor question they can conceive, envisioning a conspiracy, not attempting to establish veracity of their claims. Now it makes sense... you're a karma whore.

    2. Re:Stop defending a cheap publicity stunt by spun · · Score: 0, Flamebait

      And you work for them, astroturf boy. Sorry I ruined your publicity stunt!

      --
      - None can love freedom heartily, but good men; the rest love not freedom, but license. -- John Milton
  90. Sheesh... by Anonymous Coward · · Score: 0

    > Yeah, thanks. I've never heard of Minecraft before, and I'd guess that few people have. So what is it - a rollercoaster game with zombies and farming?!

    Just how uninformed are you? Minecraft is a lot like dwarf fortress with only one dwarf (but you probably don't know what *that* is, either).

    Next thing you know, you'll say that you can't work Google, either. Incidentally, yes, I really do believe that they're making this money legitimately. Heck, even dwarf fortress got $24k in one month a while ago. Check out their announce forum. No I won't link it, you can google for dwarf fortress, then look at the most recent monthly report in the announcements forum on your own... looking stuff up is good for you.

  91. How PayPal get away with murder by CuteSteveJobs · · Score: 1

    Poor, Sweet commodore64_love... You see life is not that fair.

    > If the credit card was stolen, then the loss should come out of the credit company's pocket, not Paypal or the Ebay seller.
    That's called a chargeback. When you use PayPal, you waive your right to a chargeback and agree to use Paypal's "dispute resolution mechanism".

    > PLUS paypal is supposed to provide seller protection if the item was shipped to a verified address.
    Yes, I thought that too. But one time I had to use protection I found it has loopholes eBay use to shirk their responsibilities. Like their infamous 'funds protected by FIDC' slogan, all that meant was their own bank accounts were protected by the FIDC, just like any other bank account. It gave a false sense of security, just like Paypal 'protection'.

    > If it were me I'd track down the buyer and demand back whatever product he stole. You have the address.
    He could be on the other side of the country. Are you going to drive across the country like that mad daiper-wearing astronaut to corner them? Unless it's a big ticket item you would spend more on gas? Even if they did live close you would need to take them to court which could take $$$ and years.

    When Paypal locks an account for bogus reasons has anyone tried reporting it to the police or FBI as theft? If anyone in Paypal has ever muttered a word about using these policies to make money then its a conspiracy.

    And as for the lard asses in Congress, it's appalling they have done nothing to legislate to bring PayPal to account.

    1. Re:How PayPal get away with murder by theaveng · · Score: 2, Informative

      When you use PayPal, you waive your right to a chargeback and agree to use Paypal's "dispute resolution mechanism".

      Although I prefer to use paypal's dispute resolution, when they are unable to recover the money (because seller emptied his account), then I call my credit card company. I've done several chargebacks on paypal purchases.

      --
      FOX NEWS.com should be BANNED from television and internet. Have the Congress take it over and give us Truespeak.
  92. Paypal should be sued by the U.S gov by jonfr · · Score: 1

    There should be a anti-trust investigation into Paypal and there practices. Then Paypal should be sued into oblivion.

    I have a Paypal account, but most of the time it is a one big zero on it.

  93. They should just cancel ... by Skapare · · Score: 1

    ... all the accounts for which they have not yet received the money from PayPal. Then let each of those people sort it out with PayPal. As long as they have another means to accept payment, then people who choose an unreliable company like PayPal for payment are the ones at risk.

    --
    now we need to go OSS in diesel cars
  94. Canceling chargebacks by CuteSteveJobs · · Score: 1

    > I've done several chargebacks on paypal purchases.

    Mod parent +1. I didn't realise you could still do this. Thanks for sharing that info.

  95. Pitch Black: 3D by meehawl · · Score: 1

    you find yourself in a randomly-generated 3D world. It's daytime. At night, monsters will pop out of the darkness and attack you. Your only hope of survival is to harvest resources from the world (wood, stone, etc.) and build a shelter and weapons to defend yourself.

    So it's basically a Pitch Black video game?

    --

    Da Blog
  96. Re:Correction: Interac can be used by businesses by Have+Brain+Will+Rent · · Score: 1

    Since they don't charge for receiving it sounds perfect for a business and since the sender doesn't need to know what kind of account it is going to end up in, or the account #, it also sounds like you could just use a personal account to receive the money and then forward it (by whatever means) to your business account.

    --
    The tyrant will always find a pretext for his tyranny - Aesop
  97. Re:Correction: Interac can be used by businesses by tomhudson · · Score: 1
    You could do that, but some senders will want to send it to the business name - a name mismatch is one of the warnings of a scam. Also, if you do too many transactions, it's going to be obvious you're running a business. But for starting out, if you're running your own website, and the whois information matches.

    One note - NEVER use a privacy service for a domain registration - one of these days, we're going to have a web blocking service that will filter out web sites that aren't up front about who runs them, so best to be ready now. Besides, if someone wants to drop in and give you money, why make it hard for them? Legit mail-order operations almost always list their physical address because those walk-in orders make a nice source of extra revenue for things like pizza for workers who have to do overtime.

  98. Hire a lawyer. by John+Hasler · · Score: 1

    He should hire a lawyer and have him send them a threatening letter. Do it now.

    --
    Warning: this article may contain humor, sarcasm, parody, and perhaps even irony. Read at your own risk.
  99. Great PR, paypal. by unity100 · · Score: 1

    you have succeeded in coming up with bad PR in a place like slashdot where developers, webmasters, even community pioneers gather up. it will do great for your business, and while trying to withhold 600 k euros, you are going to lose millions of $ of business.

    morons.

  100. Discover is NOT one-time use! by Anonymous Coward · · Score: 0

    The link is right there at the bottom of the page when I login to my account on discovercard.com. "Secure Online Numbers" or something like that.

    However, be aware that these numbers are NOT one-time use. They are restricted to one merchant only - whoever is the first to use the number. So you buy something at Amazon, and some Amazon employee swipes your credit card from the database but can't buy a bunch of crap from Wal-Mart using the number. But that number works an unlimited number of times at Amazon.

    So using this number for PayPal does not mean that PayPal can't randomly decide to charge it later on. They can. It only means that nobody else besides PayPal can charge to it.

  101. Fuck Pay Pal. by Lord+Kano · · Score: 1

    There are alternatives.

    --
    "Hi. This is my friend, Jack Shit, and you don't know him." - Lord Kano
  102. Ben Knowmoore www.paypalfreeze.squarespace.com by bendoverknowmoore · · Score: 1

    Everything you need to know about Paypal including how to get your account UNfrozen quickly. Notch they are ready to assist you - no charge. All they ask is that EVERYONE spread their website www.paypalfreeze.squarespace.com with as many people as possible via twitter-email-myspace,word-of-mouth etc EXCELLENT info that includes videos documents - lawsuits - names and a LOT more - an amazing NEW site that took a lot of work to bring together. Go visit if you have a Paypal account you have to go there! Notch there are volunteers answering emails 24 hours a day - contact them ASAP! Although Paypal is a name known around the world and boasts over 125 millions accounts less known are their unscrupulous policies and deceptive tactics that would make even the Grinch and Ebenezer Scrooge look like amateurish rookies. Billions of dollars held for nefarious reasons for long periods of time typically 180 days! Funds are held for a host of ridiculous reasons and computer screens which do not allow the user the ability to even correct the supposed issues that their funds are frozen to begin with-videos document this. Also documented in a customer phone recording is that it is IMPOSSIBLE to even CLOSE a Paypal account once opened. The site reveals Paypals until now little known ability to remove funds from checking accounts linked to Paypal accounts even after the Paypal account has been closed. Businesses have been shuttered across the USA as what is known as "rolling reserves" strangle businesses to the point of bankruptcy. Who are the real powerhouse players behind the scenes that allow this to growing pandemic? Powerful connections that extend to AG offices across the US and even to the Oval office. Former eBay CEO for one does not want this powerful new website to be viewed by anyone thinking of voting for her. Exposed is the real eBay and the way it's corporate leaders behave including the behavior that lead to the ongoing lawsuit filed by Craiglist against eBay. An amazing source of information about two of America's most well-know companies. The blog launched only a couple of weeks ago and is already being read by viewers in more than 60 countries! A video is scheduled to be released based upon the information in the middle of October. Next month a media blitz titled STOP GLOBAL FREEZING willl launch in New York City and other metro areas to distribute STOP GLOBAL FREEZING bumper stickers and other promo materials. The effort is a well-organized global information campaign put together by victims who were unable to get attention or justice going through the normaal venues that are most often perceived to be therr to support consumers. Example of one such case is Tammy Scott of California who lost over $6000.00, her business, and even her marriage due to the stress caused by Paypal's abusive tactics. She went so far as to expose the deceitful tactics Paypal uses to defraud consumers by telling the merchant credit card processor to accept chargeback claims despite the customers objections!!! Must see material for any person who uses Paypal or sells on eBay. Despite its claims that Paypal insist it is cannot be REGULATED as a bank in the US that is the exact opposite in Europe where it fought tooth and nail insisting it IS a bank for the express reasoin to beat competitor GOOGLE to that huge lucrative market. This is better info and reading than any spy novel that will shock and surprise the average citizen about the way a well-known US corporation is operating right under their nose!

  103. One reason why PayPal may do what they do by jonwil · · Score: 1

    Unlike a bank (where you have to show proof of ID when you join up) PayPal does not have verified identity information for most of its customers (there are ways to verify and send in photocopies of ID documents etc but its a pain in the ass and usually only done when PayPal says "do it or you wont get your money".

    Now, there are laws in the US and elsewhere that force banks to look for suspicious transactions and report them. These laws are designed to detect money laundering and related crimes.

    Banks do this by having flags to detect the suspicious transactions (exactly what constitutes a "suspicious transaction" varies from country to country and possibly bank to bank) and then reporting the transaction to the relavent authority using the ID details provided to the bank when the customer signed up for the account.

    Because PayPal has no verified identity record for the customer (in the usual case), they cant simply report the "suspicious activity". So they freeze the account until they can verify that it was legit and/or verify the identity of the account holder (so they then have ID details to give to the relavent authorities if required by law)

    Why PayPal considers "receiving a small amount of money from a large number of different accounts in a short space of time" as suspicious (and this isn't the first time I have heard of such activity being considered suspicious) and whether any laws in the US, Sweden or elsewhere list such activity as a "suspicious transaction" I dont know but it clearly happens.

  104. Can't say it enough: shady by Chewbacon · · Score: 1

    I used a webhost some time ago and they used paypal for invoicing. Somehow after a while of manually sending payment every quarter via paypal, I was setup with a subscription and being debited the payments. The host went belly up and after moving hosts, I was debited again. I called paypal and explained the situation. They returned the funds to me. Nearly a year later, I was debited by the bankrupt host for two quarters of service. I called paypal and they told me to contact the merchant. The hosts phones were disconnected and my emails to them bounced. Paypal still refused to help but told me to contact the police. I instead disputed the matter with my bank who ruled in my favor. This left a negative balance in my paypal account. I expected paypal to debit me again, but they surprisingly removed the charge and zeroed the balance. I closed the account. They were only motivated to do the right thing after they were faced with picking up the tab. I have one now but use a debit card linked to an account I only put money in to spend.

    --
    Chewbacon
    The Bible is like Wikipedia: written by a bunch of people and verifiable by questionable sources.
  105. Simple way to deal with paypal by Nyder · · Score: 1

    Get 2 Bank accounts.

    1 is your paypal account.

    When you get money into, you move it into the other account.
    When you need to pay something, you move money into the paypal account.

    What happens if paypal decides to shut your account down? It doesn't get your money.

    Really, I mean, wtf?

    Sure, it might be more work, but then, shit like this won't happen.

    Of course if they put a hold on your account and funds still go into it (which makes me wonder, how is that a hold on your account? you can't do much about that, but then, on hindsight, that seems weird, if not illegal.

    But the part that gets me is the "if we detect funny business, we'll keep the money" If they are letting money go into the account, and not letting money out, then this here seems suspious enough to be investigated.

    --
    Be seeing you...
  106. They had it coming. by Kaz+Kylheku · · Score: 1

    Hard to have sympathy for people who are incapable of the simple act of Googling "X sucks" when contemplating doing business with X.

  107. Haaate by Anonymous Coward · · Score: 0

    Hey all. Arnas here.

    I think what we should do is spam Paypal with emails. Make them suffer for what they've done. I think a massive strike of 126000 people on one email would mean something for them.
    Hmm... Or maybe thats not enough... 3 emails every hour from every player saying "Unblock Markus Persson's account. Now." would definately give them the message.

  108. Continuining PayPal user by KingAlanI · · Score: 1

    I continue to use PayPal even though I am well aware of these fringe horror stories. Sucks to be this guy of course, but seems like paranoia from the average user's perspective.

    --
    I listen to both RIAA and non-RIAA stuff if I like the music, tangential business/politics nonwithstanding.
  109. gfhghgh by lokmm1452 · · Score: 1

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  110. Conversion fees/rates by phorm · · Score: 1

    They also seem to scam a bit on the conversion fees/rates.
    For example, as a Canadian buying from a non-CA seller (or sometimes even from one), the price is listed in USD. On the eBay.ca site, it also lists that price converted to CAD.

    However, the CAD price is *ALWAYS* higher when you go to paypal and it does the actual conversion.

  111. Steam by phorm · · Score: 1

    I wonder what it costs to sell a game with steamworks. It says there are no licensing/bandwidth/etc fees, but I'm assuming there's *some* charges involved. However, steam would likely result in added sales, and get past the nastiness of dealing with paypal.

  112. People who still use pay-pal by Anonymous Coward · · Score: 0

    A town in eastern Massachusetts, south of Boston; pop. 32,836