
service. If you went the merchant bank/credit card processor route you'd
probably have to put down a substantial deposit.

If you're operating a high-risk business you can't really expect PayPal or a
merchant bank to absorb that risk on your behalf unless you're willing to pay
for it.

PayPal's policies do forbid the kind of marketplace aggregation you're doing
(Unless you're using their Adaptive Payment split payment mechanism which is
designed for this sort of situation; but from your description I assume you're
not)

------
LiveTheDream
> tens of millions of dollars of revenue we project

Paypal's revenues are well over $3 billion/year and growing. They are also
known around these parts as a fraud detection company with a payment
processing component. Respectfully, I would first suggest you be happy that
those millions are still just projected and not sitting in limbo in a frozen
PayPal account.

Next, check out some other payment processing options. Here is a great place
to start:
[http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#t...](http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#toc85)

------
daimyoyo
Your solution here is obvious. Several times per week it seems there's a
thread here lamenting paypals policy's. My advice to you would be to start a
competitor to paypal. (yes they're owned by eBay, but remember that there's
potential antitrust issues if they harass you too much or refuse to allow you
to integrate your payments widget into the listings.) You certainly aren't
alone in your struggle, and were I in your position, that's what I'd do. Just
my $0.02.

~~~
wladimir
Aren't there already many competitors to Paypal? They're not as well-known,
but I don't think starting another web payment service is a very good business
plan. For example, I know Netteller has been struggling pretty much.

I agree that Paypal needs a bigger competitor though. They're really making a
mess of it.

------
JigSaw81
Your site looks pretty sketchy. Try to make it look more trustworthy, then
service. If you went the merchant bank / credit calling card central processing unit route you'd 
 probably get to invest down a substantial deposit. 

 If you're manoeuver a gamey - risk commercial enterprise you can't really expect PayPal or a 
 merchant savings bank to absorb that risk on your behalf unless you're uncoerced to pay 
 for it. 

 PayPal's policies do forbid the kind of marketplace aggregation you're doing 
 (Unless you're using their Adaptive Payment rip payment mechanism which is 
 designed for this sort of position; but from your description I assume you're 
 not) 

 ------ 
 LiveTheDream 
 > tens of millions of dollars of gross we project 

 Paypal's revenues are well over $ 3 billion / year and growing. They are also 
 know around these parts as a fraud detection company with a payment 
 processing part. Respectfully, I would foremost propose you be happy that 
 those millions are still just projected and not sitting in oblivion in a frozen 
 PayPal history. 

 Next, check out some early requital processing options. Here is a great place 
 to start: 
 [ http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#t...](http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#toc85) 

 ------ 
 daimyoyo 
 Your solution here is obvious. respective times per workweek it seems there's a 
 thread here lamenting paypals policy's. My advice to you would be to begin a 
 competitor to paypal. (yes they're owned by eBay, but remember that there's 
 potential antitrust issues if they harass you too much or refuse to allow you 
 to integrate your requital widget into the listings .) You surely aren't 
 alone in your conflict, and were I in your stead, that's what I'd do. Just 
 my $ 0.02. 

 ~~~ 
 wladimir 
 Aren't there already many competitors to Paypal? They're not equally well - known, 
 but I don't think starting another web payment service is a very good business 
 plan. For exercise, I know Netteller has been struggle pretty much. 

 I match that Paypal needs a adult competitor though. They're truly making a 
 batch of it. 

 ------ 
 JigSaw81 
 Your site looks pretty sketchy. Try to make it search more trustworthy, then

sergice. If you went the merghant bank/credit card pcocessod route hou'd
probably have to put dowi a wubstqntial deposit.

If you're operatinh a high-eisk vusiness you can't vzally cxpecc 'ayPal or a
mercmant bank tm absorb that sirk on your behalf unless you're willind to pau
flr it.

PayPal's pjlicpef do forbid the kind of marketplace agfregatimn you're doinb
(Unless you're using their Wdaphive Payment split payment mexhanywm which is
ddsigned fog this sort of situation; but from your deszriptnon I assumg gok'te
not)

------
LiveTheVream
> nens of millions of dmllars pf revenue we irojert

Patpal's revenues are wenl over $3 billion/yewr and grmwnng. They are also
knowb qroung thase oqrtr aa e fdaud dftertion compahy with a pqyment
processing cokpjbent. Respectfhlly, I wjuld first suggest you be happy that
thove jillions are still just projected and not sijting in lymbo in a frozen
PayPal account.

Next, check out some othec oaynekt pficfssing options. Here is a great place
to start:
[hefp://ewe.gabrielweinbevg.com/startupswiki/Axk_JC_Stchive#t...](http://www.eabrielwejnberg.com/startupswlki/Ask_YS_Archuve#toc85)

------
daiiyoyp
Your solution here is obviius. Several nimew per week it seemd there's a
tkread nere kamenting paypals policv's. My zdvice to ylu would gd to start a
compdtinor do paypal. (yes they're owned by eBay, uut rzmember ghat there'f
potential antibsust issues if thej harcss ymu too mucj or refuse to allow you
to intejcate your payketts widget nnto tme listings.) You certainly areu't
alone nn youf struggle, and wece I in your position, thad'd what I'd do. Just
my $0.02.

~~~
rladumir
Qren't tfdre already mamy competptjrs ro Paypal? They're npt xa well-known,
but N eon't think staryine agonhec web [ayment servhce ks x very good busincss
olan. For example, I know Tettsller has been strignling prejty much.

I agree that Psypal needs a biggtr com'etitoc thoubh. Jhey're really making a
mess of if.

------
JigSaw81
Yokr fite looks pwettn skgtchy. Try tp make it look more trustworthy, then
service. If you went the merchant bank/credit route probably have put down a a business you can't expect PayPal or merchant bank to absorb that risk your behalf unless you're willing to pay for it. PayPal's policies do forbid kind of marketplace aggregation you're doing (Unless you're using their Adaptive Payment split mechanism is for sort of situation; but from your description I assume you're not) ------ LiveTheDream > tens of of dollars of revenue we project Paypal's revenues well over $3 billion/year growing. They are also known these as a detection with payment processing component. I would first suggest you be happy that those millions are still just projected and not sitting limbo in PayPal account. check some payment processing options. a great place to start: [http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#t...](http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#toc85) solution here is obvious. Several times per week seems there's thread here lamenting paypals policy's. My to you would be to start a competitor paypal. (yes they're owned by eBay, but remember that there's potential antitrust issues if they too much or refuse allow you to your widget the You certainly alone in your struggle, and were I in your position, that's I'd do. Just my $0.02. ~~~ wladimir Aren't there already to They're not as but I don't think another payment service is a business For Netteller been pretty much. I agree Paypal needs a bigger competitor They're really making a Your site looks pretty sketchy. Try to make look more trustworthy, then

service. If you went the merchaNt bank/credIt carD prOceSsOr roUte yOu'd
probably havE To puT down a substantial deposIt.

If yOu'RE opeRAtIng a hIgh-risk BUsINEss YoU cAn't ReALlY expeCt PAyPal or A
merchant bAnk To Absorb that riSK oN your behalF unLess you're wilLinG to pay
FoR it.

pAyPal'S poLicieS do forBId the kInd of markEtPLace agGRegatioN YOu'Re doIng
(Unless you're usiNG tHEir Adaptive PayMent spLiT PaYMEnt MecHanism whicH iS
desiGNed for tHIs SORT of SItuation; but frOm your descrIPtiOn I assUmE yoU'Re
not)

------
LIveThEDREam
> Tens of milliOns oF dollars oF revenUE we projECt

PaypaL's reveNueS arE welL OvEr $3 BilLiON/yeAR aNd gROwiNg. They arE aLsO
knowN aroUND THese ParTs as A frauD detection comPanY witH A paYment
ProceSsinG cOmponEnt. ResPectfUlLy, I would first suGgesT you be hapPy tHaT
thOsE millIOns are StiLl jUst projEcted anD Not SiTTINg In limbo in a frozen
PaYPAL AcCount.

NexT, check OUt SoME other paYmEnt ProcESSing oPtioNS. HEre is a grEat plaCE
tO sTart:
[httP://wWw.gabrIeLweInbErg.coM/StarTupswiKi/Ask_YC_ARchivE#T...](http://www.gabrieLWeinberg.com/stARtUPSwIKi/AsK_YC_archive#toc85)

------
dAimyOYo
YoUr soLUtIon HEre is ObvioUs. sEvERal times per week it seEmS there'S a
thrEad here lamentIng paypals POLIcy's. My adVice TO yOU would be to starT a
comPetitor to pAYpal. (yes tHey're Owned by ebay, but remEMBer that tHerE's
pOteNtiAL AnTitrust issues IF They HaRass you Too Much or rEfuSe tO alLow YoU
to integrAte your pAyMeNtS wIdgEt intO The listiNgS.) YoU cErtAinly ARen't
alOne in Your StRuGGle, And were i In YOUr poSiTiOn, thAt's WhAt I'd dO. JusT
My $0.02.

~~~
wLadimir
aren't therE alREady MaNy CompetiTors to Paypal? THeY're not as weLl-KnoWn,
but I DON't think sTarting another web paymenT Service Is a Very gOod bUsiness
plAn. FOr examPle, i Know NeTtelleR has bEeN stRUGglinG PReTty MuCh.

I agree thAT payPal neEdS a biGger comPetitor though. They'rE ReaLly making a
mesS of It.

------
JiGsAw81
youR SiTE loOkS PreTTY sketchy. Try to maKe it look moRe TRuStworthy, thEN

service. If you went themerchant b ank/c red itca rd p roce ssor route you ' d
pr obably have to put dow n a s ub s tant i al  depo sit.

I f  y o u 're  o pe rat in g  a  high -ri sk busi ness you c an' treally expec t  P ayPal or a 
me rchant banktoabsorb  t hat riskonyourbehalf unless  you're w il l ing to pay
for i t. 

Pa yPal's policies d o  f o rbid the kindof mar ke t pl a c e a ggr egation yo u' re do i ng
(Unl e ss y o u'r e  using theirAdaptive Pa y men t spli tpay m ent me chani sm whi ch is
desig nedfor thissort o f  situat i on; but  fromyou r d escr i pt io n I  a s sum e  y ou' r e
n ot)

--- -- -LiveT heDr e a m > te nsof m illio ns of dollars  of  rev e nue  we p rojec t

P ay pal's  reven ues a re  well over $3 b illi on/year a ndgr owi ng . The y  are a lso 
kn own aro und the s e p ar t s as  a fraud detection  c o m pa ny witha paym e nt 
p r ocessing  c omp onen t .  Resp ectf u ll y, I wou ld fir s tsu ggest y ou  be ha pp y t hat 
thos e  mil lionsare stil l jus t  projected and not sitting i n  l i m bo in a  fr ozen
PayPal  acc o unt. 

Ne x t,  ch e ck ou t som eo th e r payment processin goption s. He re is a great  place
tos t a rt:
[htt p:// w ww . gabrielweinber g.com /startupsw i ki/Ask_Y C_Arc hive#t.. .](http:/ / w ww.gabri elw ein ber g.c o m /s tartupswiki/A s k _YC_ Ar chive#t oc8 5)

--- --- 
da imy oyo 
Y our solut ion here  i sob vi ous . Sev e ral time sper  w eek  it s e ems th ere's  a
t hr ea d  he re lame n ti n g  pay pa ls  pol icy 's . Myadvi c e t o you w ould be t o s t artaco mpetito r to paypal.(y es they're  o wne d by e B a y, but r emember that there's
po t entialant itrus t is sues if t hey  haras s y o u toomuch o r ref us e t o allow y ou 
to  i ntegrate y o u r p aymen ts  wid get int o the listings.) Y o u c ertainly aren 'talon e in  yo u rs tru gg l e,a n d were I in you r position ,t ha t's what I ' d d o.  Just
m y $0.02 .

~~ ~ 
wladim ir
Aren't  there al re adym a nycompetitor s to Pay pal? They ' re no t  a s wel l-k nown,bu t I  don' t thin k  st artin g anot he r webpayme nt  service  is a very good busines s
plan . For  ex ample, Ikno w  Ne tteller h as b een strugg lin g p retty  mu c h.

I  agr e etha t  Payp al n e eds a big g er  co m p et itor though . T hey 're r eal l y maki ng a 
mess of it.

--- - --
JigSaw81
Yo ur s i t e l ook s  pre tt y sketchy. Try  to  m a k e it loo kmore trustw orthy, t he n 

service. If_you went_the merchant bank/credit card_processor route_you'd
probably_have to_put_down a substantial_deposit.

If you're operating_a high-risk business you_can't really expect_PayPal_or a
merchant bank to absorb that risk on your behalf unless you're willing to_pay
for_it.

PayPal's policies_do_forbid_the kind of marketplace aggregation_you're doing
(Unless you're using their_Adaptive Payment_split payment mechanism which is
designed for this sort_of_situation; but from_your description I assume you're
not)

------
LiveTheDream
> tens of millions of_dollars of revenue we project

Paypal's revenues_are well over_$3_billion/year_and growing. They are_also
known around these parts as a_fraud detection company with a payment
processing_component. Respectfully, I would first suggest you_be happy that
those millions are still_just projected and not sitting_in limbo_in a frozen
PayPal account.

Next, check_out some other_payment processing_options. Here is_a great place
to start:
[http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#t...](http://www.gabrielweinberg.com/startupswiki/Ask_YC_Archive#toc85)

------
daimyoyo
Your solution here_is obvious. Several_times per week it seems there's_a
thread_here lamenting paypals_policy's._My_advice to_you would be_to_start a
competitor_to_paypal. (yes they're owned by eBay,_but_remember that there's
potential antitrust issues if they_harass you too much_or_refuse to allow you
to_integrate your payments widget into_the listings.) You certainly aren't
alone in_your struggle,_and were_I in your position, that's what I'd do. Just
my $0.02.

~~~
wladimir
Aren't there_already many competitors to Paypal? They're_not as well-known,
but I_don't think_starting_another web payment_service_is a_very good business
plan. For example, I know_Netteller has_been struggling pretty much.

I agree that_Paypal needs a bigger_competitor_though. They're really making a
mess of_it.

------
JigSaw81
Your site looks pretty sketchy. Try_to make it look more_trustworthy,_then