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PayPal暂停用户使用自己的服务进行数字代币交易

2020-11-26 12:42

 

一名贝宝(PayPal)用户报告称,由于他们在该平台上交易加密代币(下方有时翻译成“加密”)过于频繁,他们的账户受到了限制。


据美国Reddit网站用户TheCoolDoc称,贝宝给他们发了一条消息,称“出于潜在风险”,已经对他们的账户进行了永久限制。该用户表示,他们在一周内至少进行了10次加密交易,逢低买进,逢高卖出,PayPal要求对每笔交易做出解释。


这名用户说:“我使用PayPal账户已经6年了,系统认为我在一个星期内卖出了价值1万美元的商品,就把我的账户标记了出来。”“我用我的照片ID提交了这些东西供审查,并为每笔加密交易写了‘PayPal密码’,因为我还能说什么呢?”


据报道,几小时后,贝宝发送了一条消息,称该用户将“无法再使用该平台开展任何业务”。该用户表示,帐户中剩余的462美元,已经持有了180天,但他们后来使用了其他方式提取了这些资金。


该平台对美国用户在一周内的密码购买行为设定了1万美元的上限,最近又将上限改为2万美元。Reddit用户否认超过了这个上限。


“我100%知道我没有做错,这是一种误解,因为他们认为我在一周内进行了50多次买卖交易,而实际上只是加密。”


PayPal在11月12日宣布,它将开始允许美国的合格用户使用加密货币进行交易和支付。Reddit用户Cryptix001也报告了平台处理加密交易的问题:


“我告诉他们,我用PayPal把钱从我的一个在线账户转到我的主要支票账户(Coinbase到支票账户),这样就可以绕开较长的取款时间。我从来没有这样做过,直到有一天我需要支付一大笔账单。他们花了一个星期的时间才终于同意发放我的资金。我再也不用PayPal了。”

该平台的政策规定,在2021年前,用户买卖密码不收取交易费,持有密码也不收取费用。Reddit用户bittabet认为,PayPal行为的部分原因可能是由于用户进行大量交易而造成了损失。


这位Reddit用户表示:“PayPal不是一个加密交换平台,他们的服务是让人们持有比特币,然后在他们启用这项功能后在他们的商家那里消费。”“如果你经常去交易,他们会损失很多钱来支付这些费用,因为他们现在不收任何费用。他们的服务应该更像一个比特币银行账户,而不是一个交易账户。”


即使该平台取消了对他们账户的限制,该公司表示,他们将“永远不会再从PayPal购买数字代币”。


Cointelegraph联系了PayPal请其置评,但在文章发表时尚未收到回复。

 

A PayPal user reports their account has been restricted after they traded crypto too frequently using the platform.

According to U.S.-based Reddit user TheCoolDoc, PayPal sent them a message stating that it had permanently limited their account “due to potential risk.” The user said they had made at least 10 crypto transactions within a week, purchasing during dips and selling when the price was high, and PayPal had asked for an explanation for each transaction.

“The system flagged my account thinking I was selling items worth $10,000 in one week when I hadn't done so in the last 6 years I've held a PayPal account,” the user said. “I submitted the stuff for review with my photo ID and wrote ‘PayPal Crypto’ for each crypto transaction because what else could I say?”

In a matter of hours, PayPal reportedly sent a message stating that the user would “not be able to conduct any further business” using the platform. The user stated that the remaining funds in the account — $462 — were placed on a 180-day hold, but they have since used other means to withdraw them.

The platform imposed a $10,000 limit — recently changed to $20,000 — for crypto purchases made within a week for U.S. customers, a limit the Reddit user denies exceeding.

“I genuinely 100% know I did nothing wrong and it’s a misunderstanding because they think I made 50+ buy/sell transactions in a span of 1 week of items, when it’s just crypto,” said TheCoolDoc.

PayPal announced on Nov. 12 that it would begin allowing eligible users in the United States to use cryptocurrencies for trading and payments. Reddit user Cryptix001 also reported problems with the platform handling crypto transactions:

“I told them I was using PayPal to transfer money from one of my online accounts to my main checking account (Coinbase to checking) to bypass the longer withdrawal time. I had never had an issue doing this until it was a larger sum of money that I needed to pay some bills. It took them a nerve-wracking week before they finally agreed to release my funds. I'll never use PayPal again.”

The platform’s policy states that it charges no transaction fees for users buying or selling crypto until 2021, and there are no fees for holding crypto. Reddit user bittabet suggested a partial explanation for PayPal’s actions could be that it loses money with users conducting high-volume trades.

“PayPal isn’t a crypto exchange, their service is meant for people to hold Bitcoin with and then spend it at their merchants when they turn on that ability,” the Reddit user stated. “If you go and trade constantly they lose a ton of money covering those fees since they’re not charging any fees right now. Their service is supposed to be more like a Bitcoin bank account, not a trading account.”

Even if the platform removed the restrictions from their account, TheCoolDoc said they would “never buy a Satoshi of crypto” from PayPal again.

Cointelegraph reached out to PayPal for comment, but had not received a response at the time of publication.

 

来自: cointelegraph