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Warning: You should NOT experiment with the PayPal business debit card and reload card if you can’t afford to be without the money loaded in your PayPal account. Many people complain that PayPal arbitrarily closes accounts and that it can takes months to get your money back.
PayPal Business Debit Card & Reloads
My account is still open and PayPal pledges to change the way it closes accounts, but do NOT experiment with this if you can’t be without the money loaded in your account. Seriously.
Ever since I wrote that you could buy Vanilla Reloads at CVS, readers have been commenting and emailing to ask about the PayPal reload cards. Giddy for Points shared her thoughts earlier and here’s what I’ve found out.
Pay Pal MY Cash Reload Cards
If you’ve been to CVS looking for Vanilla Reloads you may have noticed the Pay Pal Reloads which look like this.
PayPal Reloads at CVS
The good news is that the PayPal My Cash reload cards can be bought with a credit card at CVS. Just like a Vanilla Reload card, you can load up to $500 on the Pay Pal reload card for a $3.95 fee.
You will earn miles and points when you buy the PayPal My Cash reloads at CVS with a credit card and the spending will count towards the minimum spending requirements on your credit card.
Paying a $3.95 fee (the PayPal Reload fee) to be able to earn 500 miles or points is like paying 0.8 cents for 1 mile or 1 point. You still come out ahead as long as you value those miles and points at more than 0.8 cents per mile/point. And paying the fee is certainly worth it to complete the minimum spending requirement on a large credit card sign-up bonus.
You can then load the PayPal My Cash cards to your PayPal account by going to paypal.com/cash. Note that you can load only $500 per day and the maximum monthly limit is $4,000.
Once the money is in your PayPal account, you can use the PayPal debit card, which has a PIN number and functions like a debit card, to spend the money.
Do NOT withdraw the money to your bank account because that has a very high chance of getting you shut down. The Points Guy wrote about a warning email, which he received, when he withdrew money from his PayPal account (funded via a GreenDot card) to his bank account.
Pay Pal Debit MASTERCard
I went to my Pay Pal account and applied for the PayPal Business Debit MasterCard by clicking on this link and entering my date of birth and social security number. PayPal says that this will be a soft credit inquiry.
Signing Up For The Pay Pal Business Debit Card
I received my debit card in 10 days and can use the card to make purchases elsewhere, and the money is debited from my PayPal account.
PayPal Business Debit MasterCard
Confusingly, there is also a prepaid PayPal debit card for sale in CVS and other stores, but that is different from the PayPal Debit MasterCard above.
You get 1% cash back, if you have a PayPal Premier or Business account, for transactions which are NOT PIN based. However, funding your Bluebird with your PayPal debit card and purchasing money orders are PIN based so you don’t earn cash back for those transactions.
How to Use the PaYPal Debit Card?
The PayPal Business debit card doesn’t have any direct Bill Pay feature, but here’s what I’ve experimented with:
1. Bluebird. I’ve loaded my American Express Bluebird card at Wal-Mart using the Pay Pal debit card. I just went to the Money Center at my local Wal-Mart and asked to load $1,000 on my Bluebird.
I first loaded $1,000 on my Bluebird card in one transaction. After that transaction processed, I loaded another $1,000 on Emily’s Bluebird account. There was no fee for using my debit card at Wal-Mart to load our Bluebird cards.
This is a great way to use a credit card to indirectly fund your Bluebird account if you can’t find Vanilla Reloads elsewhere. And you can then use your Bluebird to pay bills (mortgage, rent, student loans, etc.) which you can’t otherwise pay with a credit card.
If your CVS is out of Vanilla Reloads, using PayPal reloads is another way to fund your Bluebird account, but it does involve going to Wal-Mart to reloading your Bluebird account.
2. Money Orders. The PayPal debit card comes with a PIN number. This means that you can use it to buy money orders at Wal-Mart, post offices, and grocery stores. You can either pay other bills with the money orders or deposit them in your bank account. But be careful to not buy too many money orders since money order deposits may be looked at suspiciously by your bank.
3. Cash Back. I’m always low on cash (since I try to use only credit cards!) so whenever I go shopping, I use my PayPal debit card for cash back. I’ve been able to get up to $200 back in one transaction at some stores. This is much more convenient than going to an ATM!
4. ATMs. You can withdraw money from your PayPal debit card at an ATM, but the limit is $400 per day. But many ATM withdrawals immediately after loading your Pal Pal account could be a red flag. There is also a $1 ATM withdrawal fee in addition to fees charged by the ATM owner.
5. Pay Taxes. Pay USA Taxes charges a flat fee of $3.49 for using a MasterCard debit card to pay your income taxes. This means that you could potentially pay up to $3,000 in taxes (your daily spending limit) for only $3.49 which is an extremely cheap way to pay your taxes.
Of course, you’d also have to pay for the PayPal reload card which is $3.95 per $500 reload, so ~$24 for $3,000 in PayPal reloads.
Limits & Restrictions
1. CVS. CVS usually will let you buy only $1,000 worth of prepaid cards at a time. But, in my experience, you can usually go to the back of the store to the pharmacy and have them ring up another $1,000 for you, but as always, your experience could be different.
2. Loading. You can only load $500 per day to your PayPal account and up to $4,000 per month. So it will take you 8 days to load $4,000 into your Pay Pal account.
3. ATM Restrictions. You can withdraw up to $400 a day with the Business Debit card and $ 200 for the consumer debit card. There is a $1 ATM withdrawal fee in addition to the fees charged by the ATM owner.
4. Spending Limits. You can spend up to $3,000 a day on the PayPal Business Debit card and $500 for the consumer debit card.
5. Foreign Transaction Fee. There is a 2.5% foreign transaction fee in addition to a 1% fee for using the card outside the US.
Bottom Line
You can fund your PayPal account with PayPal reload cards bought with a credit card at CVS and you will earn miles and points for the purchase. You can then use the PayPal Business Debit MasterCard to withdraw money from your PayPal account and to fund your American Express Bluebird and to pay bills which you otherwise couldn’t pay with a credit card. At the very least, this should make it easier to complete credit card minimum spending requirements.
But you’ve got to be careful with PayPal and DO NOT try this if you can’t afford to be without the money you load in your PayPal account should PayPal decide to suspend your account!
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I have earned and redeemed millions of airline miles and hotel points to travel the world for free. Now I'm blogging to help more people do the same! 
Pay Pal cannot keep your money for months. If they keep it more than a few weeks I would try the little “I’ll sue them in small claims court trick” for free: They don’t have local counsel, don’t want to hire local counsel and might get punitive damages held against them,(if you were on the jury and didn’t know them what would you do?). In my experience even TALKING to local counsel is enough to get then concerned as they have to be registered with your secy of state and you can send a letter to their registered agent, or just have him served and refuse to settle except for your money plus court costs.
On second thought my Congressman lives 3 houses away from me and I can drop him a note while he’s out running the neighborhood. Too bad for everyone else that doesn’t have a Congressman in their neighborhood!
WRT to paypal holding funds; just hit some consumer complaint blogs, they do it, still do it and have every right to do it, you signed the consent when you created the account.
Question, can ebay giftcards be loaded into paypal and then withdrawn?
An important detail you didn’t mention: in order to get the debit card, you have to “upgrade” your account to Premier. As far as I can tell, that means that you pay higher fees for ordinary person-to-person PayPal transactions.
Which credit cards are taking applications that give 5% cashback at drug stores?
I guess traderprofits doesnt know much about Paypal. I do. I have been in business for 27 yrs and do a very small volume on ebay. Small compared to the size of my business. FYI my customer rating is 99.8% Zero issues. Paypal can and has locked accounts for 6 months (180 days) Do some google searches. Search youtube. They (paypal) are not aftraid of lawsuits and it is very difficult to reach higher level management. We had a problem with them and I was 100% in the clear, however I had to work extremely hard to get upper management involved. Once I did the rep fixed everything. I would be extremely cautious with anything involving paypal. One last thing. Punitive damages in small claims courts are not very common.
I would not want to put any money in Paypal. They are horrible business with no respect for customers.
Don’t overdo this method. Don’t withdraw big amounts. Note you can create two PayPal accounts. Most stores in LA won’t let you buy this card with cc.
How did you load your Bluebird with a debit card for free at walmart?? On Bluebird’s website it says $2 per debit card load and limit of $100 per day.
I think traderprofit’s comment was meant for MMS’ satire post from Sunday. Maybe the Congressman-3-doors-down can just move his comment to the other thread.
I think the safest thing is to do small amounts with Paypal. Put a $1000 in and immediately put it on BB. Maybe leave $50 or so to use for small transactions like buying lunch to keep Paypal happy. I would never leave much money in there for very long.
Dont mess with paypal!
I completely agree with @robertw. I would wager that a majority of people who do this *will* get their accounts suspended by PayPal. They have, do, and will continue to shut down accounts for highly arbitrary reasons and without notice. They’ve been doing this for well over a decade now. Does anyone seriously think that they’ll be the first people to have the bright idea of contacting their legislator or posting on some consumer complaints blogs? Until a year or so ago, a Google Search for “Paypal” listed “paypalsucks.com” as the 3rd result (the domain itself was registered 12 years ago in November of 2000, btw). That’s now been pushed to the top of the 2nd page of results.
My point being? Heed the warnings. I’ve had a Paypal debit card since ~2003 or 2004 when they began first offering them. The thought crossed my mind long ago to take advantage of the 1% cash back on debit cards to fill up debitable reload cards to refill my paypal account. But there’s no way in hell I’m gonna risk my paypal account (and money) get suspended yet again from their arbitrary “abuse” team.
I thought bluebird were holding people’s accounts and freezing their money and people tried calling AMEX and no human were picking up the phone or were on hold for hours and then got hung up…no?
Why still promoting blue bird?
Faisal, I load my bluebird account at the cash register and there is no charge. However, I haven’t loaded over $1000, I have stayed under that. So far I haven’t had any problems with bluebird – I wish it was around when I had some major expenses on my home!
Hope this helps.
Good morning everyone. I recently had quite a different experience with my PayPal account. In fact, I purchased 2 $500 reloads on two different occasions and locations at CVS. For one of the transactions I guess I even used 3K Amex gift card previously purchased with United card
Now, the funds stayed there for around one week or so and even though I use PayPal account for all the on-line payments, I still use a CC linked to it. $1,000 however, was transfered last week to BlueBird and until now I still have not received any ‘red-flag-email’ from customer service plus the money managed to reach its final destination:)
It looks like I must have been lucky or maybe PayPal is not strickt in NYC or mabe it’s just a one-time opportunity? It’s really hard to conclude. So I’ll have to wait for the next month transactions to see if anything changes.
Other than that, thank you for the informative blog about PayPal debit card.
Thanks for the reply nancy….so what do you exactly do…just go up to the register and ask them to reload the card? Do they swipe it and then you hand them your debit card for payment?? Also do you go to the normal registers or the “Money Center” register in walmart?? Thanks so much
You can load 1k on your BB from a debit for free. (and 5x a mo total). No need to load Paypal or VRs on your BB card when you can load them on other cards and leave your BB to load your mileage earning debit cards.
You guys are right that I haven’t read the Agreement. But… wrong about my Congressman living 3 doors away. And i didn’t vote for him.
I am just taking out my 3000 at 500 per month and doing dome pay pal purchases. Think I will have trouble ? None so far
A box around it and an arrow pointing at it. Nice.
This is where the TBB Editorial Board has a dilemma! Include this in “Best of” for its brilliant thoroughness and value of the information. Or include it in the “Not So Best of” category for undoubtedly leading some readers to experience major heartache in dealing with a company very high on my “Avoid” list…The hassle is not worth they pay off in my opinion.
Or not mention it at all…Hmm, to be continued:-)
This was working fine for last 2-3 months. Can only imagine what the persecuted readers will do with this now that it is out with arrows and boxes. More hided cards coming to your local CVS.
great.. now my CVS is going to run out of PayPal Cash card…
LOL… its okay…
So, I don’t understand why credit card companies consider loading one card with another card abuse. I understand that if they’re losing money, like using paypal payments to send a check to yourself using a credit card, but in this situation, paypal is still getting their fees when you use their card aren’t they? Why do they care what you’re doing with the card? I just want to understand the dynamics here so I can keep myself out of trouble if I want to start getting points for paying my mortgage.
Adnan, you are a big pandu!
Thanks for the feedback folks! I’d heed the warnings about PayPal because they have a terrible reputation for closing accounts. That said, my account is still open, but I’ve been using the debit card at grocery stores and Wal-Mart to load my Bluebird and made only 1 test ATM withdrawal.
@Mike – Thanks! I’ll look into that since I haven’t sent money using their person-to-person service.
@Squeezer – The Chase Freedom has drug stores for 5% in Q1 2013.
@Romsdeals – Did you use separate email addresses?
@Faisal – There’s no fee if you go to Wal-Mart (to the money center or to a cashier) and ask to load your Bluebird card with a debit card. The fee is only for online loads. Sometimes the cashiers don’t know how to load it, but the money center usually does.
@TravelBloggerBuzz – Shouldn’t you be doing taxes instead of reading the blogs? j/k
@Paul S. – Large cash loads are also used to hide illegally acquired cash and PayPal has a reputation for being strict. I’d stick to Bluebird and Vanilla Reloads for the mortgage unless you can’t get hold of Vanilla Reloads.
What are the fees associated with the Paypal debit card.
? Monthly fees
? PIN based transaction fee
? ATM fee
? any other fee
Same with Cyclotron.
PayPal charges Premier and Business accounts fees to receive payments. Is loading the PayPal My Cash cards to your PayPal account considered as “receiving payments”?
Thanks
Good post and nice alternative to vanilla reloads! Do you know if we can buy the PayPal reload cards at any office supply stores? OD, OM?
I was doing this for 3 months about 3k/month on month 4 I got shut down from paypal. I was even loading in different amounts to BB……
Citi Dividend also has 5 percent cashback at drugstores this quarter, although I will only find out in a week or so whether they count these purchases for the 5 percent.
For those without a CVS nearby, Rite Aid also keeps these Paypal cards.
@Adi – Naan… comon.. use ur real name…LOL
With the politicians in Washington managing to pass the tax act on January 2nd…no rush at all! Even IRS is behind. Things won’t get cranking big time until late February. Plenty of time to review blogs for a little while longer;-)
What happens with the back-up funding source…say, a rewards credit card….when you make purchases and rely on the back-up source?
If you always keep a small amount in PayPal and “force” them to go to your back up source (credit card) for funds, will they eventually red flag you?
I currently have a 2% cash back Visa as my back up source. I hardly ever use PayPal and have only used the back up source once. It was on ebay and the seller only took paypal so they deferred to my card.
How is it that transferring money to a checking account could get you red-flagged but transferring to BlueBird will not? Why would PayPal treat it differently?
Judging from the comments, this seems like much too much risk and way too many hoops in order to buy points at 0.8 cents each. I don’t think those of you doing it need fear much of a run on these cards.
I’m sorry, you can say what you want about all of this, but in the end you are committing FRAUD and it’s a FELONY. Do you really want to take the chance? By earning extra points on purchases that aren’t really what the credit card company intended, you are stealing from the credit card company. Sell it to yourself as much as you want with “it’s ok” or “screw the banks” or “they’ll never find out”, but that doesn’t change the fact that it’s fraud. Also, by the way you’re transferring money between accounts like this there might also be a case for MONEY LAUNDERING.
I think some of your milage ideas are cool. Different tricks around the system to earn more miles… great. I get it. I’m a frequent flyer myself. But when you have to worry about PayPal shutting you down, your banks being suspicious, and making sure you get away with it when it comes to your credit card company, then you know you’ve gone too far.
Just a little word of advice from someone who’s been in prison for a year for wire fraud 15 years ago. And I regret it every minute of my life.
Paypal shut me down right quick. Burned bad. Now I got over$2000 locked up in THEIR vaults….no telling when I get it back. Those jerks at paypal just give the runaround. And thanks to those jerks and your advice got hit with financial review too!, ugh
@ John : Which visa are you using that gives 2%?
Thanks for the mention MMS! I haven’t had any problems so far but I am staying under the radar by not over killing it and using different methods to taking out my money for legitimate purchases and MOs.
My question is what are your options if you don’t live near a Walmart. I have found Vanilla Reload cards hard to come by lately and transferring PayPal debit card money to Bluebird online comes with a fee per $100 load. Regularly withdrawing PayPal money in the form of a check made out to yourself (with the eventual intention of paying bills, etc) surely will raise suspicions. Does anyone have any suggestions on how to get points for paying bills (whether through gift cards, Moneypak, PayPal, etc)? Thanks.
@ Million Mile Secrets: When you “reload” your BlueBird @ Walmart, did you do a pin-based or swipe as credit transaction? If you used your pin, did you still earn the 1% cash back?
Mike Huslter,
The 2% Visa is my Capital One Spark.
Maybe I am missing something there but why not just buy Visa prepaid debits (reloadable or non-reloadable….even GIFT cards?) and just go to a Walmart Register and empty it into the BlueBird?
Is any Visa that isn’t a genuine Credit Card acceptable as a debit card to put funds into the BlueBird account? If not, what works and what doesn’t? Is it a matter of a PIN?
This works so long as you don’t get anywhere near the $4K limit, and you don’t send to bank accounts. But since it’s PayPal and their policies are draconian and final if your account is suspended, you have no recourse. And they do keep monies locked up for 180 days just to F with you…Caveat Emptor.
This is a method of last resort.
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Thanks for sharing this cool trick. I’ve always been skeptical of these Bluebird tactics, but I think I may try it in a small dose to see if it works for me.
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I was on hold today with Home Depot for a very long time. While on hold, I was told by the recording that I can make purchases using my paypal account. I wonder how they refund you your money if you make a return via this method.
Do you have any experience with this scenario?
TIA
@ Corridor!
When you make a purchase via Paypal, any subsequent return is credited to your Paypal account. If you funded the purchase from your Paypal cash balance, it is returned to cash. If you funded it with a credit card through Paypal, Paypal will forward the credit back to your credit card. Hope this clarifies things a little for you.
@Ethan – Please explain how this is fraud. You are making a purchase, if th credit card finds out about it they can either charge it as a cash advance, which it says prepaid cards are cash advances in the terms and conditions of some cards. Money laundering is the process of concealing the source of money obtained by illicit means. And illicit is defined as forbidden by law. There is now law saying that you can not purchase prepaid cards with credit card.
I highly recommend their customer service on twitter @AskPayPal, they have solved loads of issues for me!
Bought a Paypal card Tuesday night and loaded it to my Paypal account with no issues. Used my Paypal Debit card today at Walmart to load BB, worked like a charm. I would recommend anyone who decide to load at Walmart to go to the Money Center, the cashiers at the registeres tend to be confused and dont know how to process the transaction.
Quick question, on BB website it says you can only load $100 per day using debit-how are you able to load more?
@Cyclotron @Jesson – No monthly fees and ATM and foreign transaction fees are in the post above. I wasn’t charged a fee for loading with the My Cash cards, but ymmv.
@trvlbug - I haven’t seen them at office supply stores as yet, but there are available at CVS and a few Rite Aid stores.
@John V - I wasn’t able to assign a credit card (only a bank account) as the backup funding source to the Pay Pal Business debit card.
@Ethan – Thanks for the feedback. I only suggest using this to pay bills which you otherwise can’t pay with a credit card.
@Mile Hustler - You can only reload with a PIN transaction at Wal-Mart and you don’t earn 1% cash back for that.
@John V – You can’t load Visa debit cards to Bluebird at Wal-Mart.
@Lee – If you’re starting off with Bluebird, it could be best to load Bluebird directly with a Vanilla Reload card if you have access to them.
@AC – That fee/limit is only for on-line reloads. But there is no fee for reloading it with a debit card at Wal-Mart.
1) Does buying VR cards at CVS with chase ink/bold QUALIFY as 5% CashBack UR points?
2) any update on OD selling VR cards?
@Batman - You don’t get 5X points for using the Ink cards at pharmacies, but you get 5X for using them at telecom and office supply stores. OD has stopped selling VRs.
Has anyone thought about paying their US federal taxes using a Bluebird account? Or tried to do that?
On the IRS list of payment processors, all of the processors charge around $3.00–$4.00 (flat fee) to process a debit card payment for a federal tax bill:
http://www.irs.gov/uac/Pay-Taxes-by-Credit-or-Debit-Card
I have a $7,000 tax bill that I’ll be paying with my 2013 tax return–I’d like to use my Bluebird debit card to pay it.
@Ian - Unfortunately, Bluebird doesn’t go through as a debit card, but as a credit card when you try to make tax payments online.
Sorry if this has been discussed elsewhere (couldn’t find it easily anyway) but I received emails several times from the US Airways Mastercard saying “Earn miles every time you pay your bills with your US Airways Dividend Miles® MasterCard” — on the website they mention for a list of payees (mastercard.com/billpay2), Chase, for example is listed — do you have any experience with this. It seems a much easier route to pay Chase mortgage and other similar bills for free, no Bluebird/VR hassle, and at least get USAir miles for it?
@skdelta – I checked it out and didn’t find an option to pay a Chase credit card bill. The option for auto leases went to Chargesmart which charges a fee for payments.
I looked around for further conversation on this, but didn’t see anything–forgive me if it’s already been covered–
Has anyone tried having Bluebird send a check to pay their US federal taxes (estimated quarterly tax, or annual income tax, or other tax type)? Normally the 1040 payment has to be sent with the small voucher slip accompanying it, but I have seen wording in the IRS paperwork that suggests that the slip makes the payment process easier/faster, but is not completely required . . . It seems risky to send the IRS a check with only my name and SSN on it, hoping they will apply it to the correct taxpayer account. But if I send the check to my address (with the IRS as payee), then my home address shows up on the check . . .
If we could do this, it would be a nice way to spend a significant amount from a Bluebird account and avoid the credit card processing fees that are incurred when paying federal taxes online.
@Ian – You could transfer the money from your Bluebird to your checking account and then mail a check and voucher to the IRS.
Yes, I know I can do that–but then I’m essentially doing what many have warned against: Loading up a Bluebird account, and then promptly draining most of it by transferring it back to my own checking account. By the time I’m done loading it, I’ll have $10,000 in my BB account. That’s roughly enough to pay my federal tax, state tax and some other misc taxes, and zero out the balance. But none of those recipients can be paid directly from my BB account (without incurring credit card charges), so I’m just moving my own money into the account and then back into my other accounts. Cycling large amounts into and out of the BB account has been portrayed in various forums as a risky thing that AmEx would not view favorably.
@Ian your best bet is to call the IRS customer service and ask them. They’ve generally been extremely helpful from my experience. You could always have the check made out to the Department of Treasury and sent to your home/work address, just to ensure they get transmitted together. Just be sure to put your name as a c/o, especially if using work.
generally, if you remit payment of taxes they will apply to your social security number and simply show ‘taxes paid’ is greater than your ‘tax liability’ until they get the actual filings and process the returns. This is generally true for the Feds, State and Local goverments. It is best to check with each level of government.
You guys getting locked down need to establish some history with them. This paypal method will NEVER go away because they are so big- but there are some caveats.
I generally keep 700-1500 in my paypal account depending on how much I am selling since I do Ebay. If you think you are going to upload and download all these funds in a monthly cycle think again- they will lock you down in a heartbeat. Stay conservative and keep some money in the account that you can afford to be without. If you can’t do that, then in my opinion you should stay away from the paypal option for manufactured spending.
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what if I transfer money from my PayPal account to my wife’s account. We will put different address on our PayPal account. My wife will withdraw money to her bank account after it is transferred to her account. Does this also raises flag? any idea
Paypal MyCash does not reset [$4000] on the following [calendar] month? Is anyone having this problem?
@FLYER: The money loaded to your Paypal account is intended to be for PURCHASES. Even doing a funds transfer just one time is enough to red-flag your Paypal account. So, do not try to do any transfers, unless you want to have your Paypal account closed. Paypal tracks your IP address, just like all other websites. They’re not stupid and they know what you’re trying to do.
@MILE_LOVER: It’s quite obvious that if any Paypal accounts are going to be flagged as suspicious, the first ones that will get flagged are the ones that max out daily/monthly limits, transfers, ATM withdrawals, and other “clean” dollar amounts. So, don’t be surprised because what you are saying is obviously an indication that if your account is not shut down yet, it’s in the queue to be reviewed and closed. The exception to this is if you loaded $4000.00 each and every month and you used the bulk (like 90%) of the funds on purchases at places that accept Paypal (Ebay, The Home Depot, etc).
Paypal isn’t going to condone people maxing out the daily/monthly limit each month and not do anything about it. Look at it from their standpoint, why would someone do that unless they want access to CASH. CASH=SUSPICION. No exceptions.
These are just a street-person’s opinions. I am sure that everyone knows someone directly or indirectly that has had problems with Paypal. Even if you never make a single bank account transfer, ATM withdrawal, do not even have the Paypal Debit Card, and have only used the Paypal account to pay for Ebay transactions, Paypal will still shut down your account if they do not like what you are buying on Ebay. Then they will come back and try to claim that the Patriot Act is their validation for shutting down your account. Apparently, it’s a matter of national security to buy used junk on Ebay these days. Who would’ve thought…? :-/
CONCLUSION: Stay away from Paypal/ Paypal My Cash cards unless you plan on using every single cent to buy merchandise–and merchandise that you will never return, at that.
@Dam, cry little baby cry. You new the chance when you did it, now you want to blame everybody even for advise you took.
@Ethan. It’s not fraud, criminal. At most it’s breaking paypall rules in T&C. It’s not like WIRE FRAUD or something but you should know that. I move money between my savings and checking accounts all the time OH No now I’m a convict too.
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Hi, I tried using Paypal debit card to make a tax payment, but it got declined even though I have enough money in my account. Has anyone successfully made a tax payment?
I am using pay usa tax
This is totally wrong. I tried to pay federal taxes on all websites as debit card.
Only officialpayment treat it as debit card and it is declines even I only pay 2996.05+3.95=3000.
I called paypal debit card and find out the daily limit on pinless debit card is 400 not 3000.
3000 is credit card limit.
Do I have to the the business paypal debit card or do they have personal card? Also I thought pay pal have a feature that I can use to pay bill? What about moneypak -can I use that to load paypal?
I need help. Which paypal card should I get they have paypal debit card and paypal prepaid mastercard. I just want one where I can load moneypak to it. Thanks
Has it been safe to load money to paypal and then transfer to bluebird?
I need to know what’s the max amount I can get using my Paypal getting cash back at stores, I know the stores u can only get so much per register but I was wondering what is pay pals limit?
Take it from someone who has been banned for life from the Greendot network for “seeming interstate commercial practices” – and, rightly so – I was engaged in such. Practices that were less than fully compliant with all of the applicable legal statutes and tax codes of the districts in which they were being perpetrated. They way that you get your accounts frozen in when you are turning large amounts of transaction into cash through ATM withdrawals – or, in the cash of PayPal – through the transfer to personal bank accounts. For Greendot, if you made 4 ATM withdrawals or more within a 7 day period – you got 1 warning – after that – banned for life. Moreover, you had a arbitrary maximum of $4-500 daily ATM withdrawal limit, depending on the type of ATM.
I think the writer of this piece has done a great service to people in my former line of work, to give examples of how someone who had a large amount of electronic currency coming in, could take that currency, and funnel it to other prepaid cards and then, in turn, use those cards to pay legit bills, mortgages, etc. While I was intimately familiar with the use of the Greendot debit card for cash back at places like Walmart and other places (you can get $100 cash back from there, most grocery stores, many pharmacies and other places as long as you make a purchase of $5). This kind of cash back was not considered an ATM withdrawal and was not part of the small ATM limit, but was part of the much larger $2,500 daily spending limit.
I was particularly happy to see the writer’s suggestion of using the debit card to purchase money orders as a way to get cash – either to deposit back into one’s account or to use to send to someone else or for whatever reasons that whoever you may be would need cash. It sure beats that old, but much less known pastime (to those of you who haven’t either robbed a post office or spent time in prison) of buying stamps. For those of you who don’t know – stamps have a cash face value and you can sell them back to any post office (unless the laws have changed).
An interesting read. Stay safe – and – for the record, I don’t condone doing anything illegal!
- A reformed, yet reprobate felon
I tried loading a Paypal My Cash card at my usual location with my usual Venture card and tender was not accepted. The same transaction was accepted just 4 days earlier. I suspect Paypal changed their policy on May 1st.
i got a paypal prepaid card from the dollar store and i went back to reload it but the man that works there told me i i had to but the reload card for paypal and just add my money to the card but now i cant get it added so i guess i been cheated out of 45.00 now and i wont my money back or someone needs to add it to my card that is all the money i have to feed my kids and this is nonsince so would someone please help me fix this plaese