PayPal is an American Based Digital Payment Processing Private Company, Which was founded by Peter Thiel, Elon Musk, Luke Nosek, Ken Howery and Max Levchin in 1998 at Palo Alto, California, USA. Now Its corporate headquarter is located in San Jose, California, Allowing people to shop, collect and receive money online in more than 100 currencies around the world. Today, We’re starting a very difficult and lengthy topic “PayPal Terms & Conditions with Acceptable Use Policy”. As you know, Many people in Pakistan using its services to get paid from International Companies with doing online jobs, Freelancing or selling products. I also start using it after one year ago, So after getting many experiences, Now I want to translate PayPal “Terms and Condition” with its different algorithm As well as will mention bellow one by one, also sharing my own experience about PayPal for those, Who want to use PayPal, But don’t know its usage policy especially in Pakistan and some-other third world countries, Where PayPal has been blocked.
PayPal has worldwide network to transfer payments from buyers to sellers. Its main server located at; San Jose, California 95131, USA.
According your location, You can also browse PayPal website from some other servers such as;
|PayPal.com/ae||United Arab Emirates|
Now we’re starting in Urdu, So that a common man can understand it easily without any problem.
1. Risk of Payment Reversal:
Aap k account me received hony wali payments kuch din k liye reserve ho sakti han, For example; Jab koi aap ko kisi service ya product k against payment karta hai to us k claim par PayPal us payment ko charge-back kar k reverse kar sakta hai, Is ka matlab ye hai k seller jab payment aany par bhi product buyer ko send nai karta ya jo goods send karta hai us ki quality achi nai hoti, Isi tarha digital products me kuch seller already sold services ya products deliver kar dety han, Jis ki waja se buyer claim karta hai. Seller ki protection k liye ye baat bhi bohut important hai k usy sold item ko same usi address par send karna chahye, Jo transaction waly page ki details me provide kiya jata hai. Agar seller ne item kisi other person ko deliver kar di ya kisi other person ne item receive kar li to buyer ka koi bhi claim right consider ho ga, for example; Agar buyer aap ko kehta hai k us ka home address or working address change hai or sold item us k working address par send ki jae, Na k home address par, Jab k transaction page par aap ko us ka home address show ho raha hai to as a seller aap ko item us k desired working address par hi send karni chahye, Isi tarha some time working address add hota hai but buyer aap ki product ko as a gift apni wife ko send karna chahta hai to aap ko item us k desired home address par hi send karni ho gi, Some time buyer aap ki item ko as a gift ya sample apni girl friend ya kisi third person ko esy address par send karna chahta hai, Jo us ka work address hai or na home address, Esi condition me bhi item us k desired address par hi deliver ho gi (Girl Friend wala gift us ki wife ko send karny ki ghalti nai karni).
As a Seller, aap buyer k claim ki soorat me kisi bhi tarha k charge back ya reserved se usi condition me secure ho sakty han, Jab aap PayPal k seller protection program me di guidance (Mentioned at every page of PayPal website in “Security Center”)ko follow karty howe us k complete criteria ko apni trading par apply karen ge.
2. Risk of Hold Payments:
Always remember k aap k ek hi account me PayPal Funds k two section create karta hai, Functional Balance or Reserve Balance, Kisi bhi payment par aap ko full access usi waqt di jati hai, Jab PayPal samajta hai k aap ki transaction history kisi bhi type k dispute se safe hai.
Functional Balance aap ki wo payments hoti han jo kisi bhi dispute se safe ho, Esy funds ko aap apny card ya bank me withdraw kar sakty han ya online shopping k liye use kar sakty han.
Reserved Balance me esi payments include hoti han, Jo buyer ya PayPal ki taraf se pending, uncleared ya hold hon, Normally, Esi payments par seller ko access nai di jati, But some time esa nai hota or aap k use karny ki soorat me account limited ho sakta hai.
As a buyer, Agar aap ko received Goods or digital products me kisi bhi type ka problem hai to PayPal k Online Resolution Center k through 45 days (180 days for UK Citizens only) me dispute open kar sakty han, Jis ka faisla PayPal khud kary ga.
Uper diye gae PayPal k all risks or guidance ko achi tarha samaj len. For more details, You can visit at: Payment & Service Information
Learn More about: User Legal Agreement for PayPal Services