Paypal

[VaeliusNoctu]

Hello,

it seems that Steam have removed Paypal as a Paymethod. Since yesterday i cant pay with paypal. I think about change to GOG and epic store.

[wuddih]

Nguyên văn bởi VaeliusNoctu:

If i understud the Text correct you cant use only paypal with Steam now. You must have Paypal and Online Banking/Credit Card. If Paypal fails Steam can get his money from your 2nd Paymethod.

you misunderstood.

paypal requires a linked payment method on the paypal account. for germany this is either a credit card or a bank account.

Nguyên văn bởi VaeliusNoctu:

But i cant add Paypal as my Main Paymethod in my Account settings.

and here is the 2nd red herring. do an actually purchase and look at the payment methods on checkout. what you are looking at is for manually verifying payment methods, paypal can not be manually verified.

[Dr.Shadowds 🐉]

Nguyên văn bởi wuddih:

Nguyên văn bởi VaeliusNoctu:

If i understud the Text correct you cant use only paypal with Steam now. You must have Paypal and Online Banking/Credit Card. If Paypal fails Steam can get his money from your 2nd Paymethod.

you misunderstood.

paypal requires a linked payment method on the paypal account. for germany this is either a credit card or a bank account.

Nguyên văn bởi VaeliusNoctu:

But i cant add Paypal as my Main Paymethod in my Account settings.

and here is the 2nd red herring. do an actually purchase and look at the payment methods on checkout. what you are looking at is for manually verifying payment methods, paypal can not be manually verified.

^This. Also I will heavily under line, and bold the words you need to read OP in that quote.

Steam will not take funds from Paypal itself, will only take funds from Paypal as long as you have acredit card, or banking link to the account.

I make this very clear as well by this link as well to help you fully understand, what we meant so there's no misunderstanding at all.
https://www.paypal.com/ca/smarthelp/article/how-do-i-link-a-debit-or-credit-card-to-my-paypal-account-faq826

[voidCaster]

Nguyên văn bởi Dr.Shadowds 🐉:

^This. Also I will heavily under line, and bold the words you need to read OP in that quote.

Steam will not take funds from Paypal itself, it will only take funds through Paypal from your credit card, or banking.

That doesn't make a lot of sense, unless PayPal changed something drastically and recently. Here in the USA I've been using PayPal Merchant Services and/or the PayPal Payments/Buttons API for over 10 years. I've set clients up to use the same with their websites. Here, it doesn't matter whether the payor elects to plug in credit card or echeck details or just log into PP and pay with PP balances - the payment comes from PayPal to the vendor for that transaction. All of the above require the vendor to have their own PayPal account and the purchase amount is automatically adjusted for whatever percentage PP takes for whichever payment method is used.

I'd assume that Valve was no different. It seems a lot more likely that PayPal has quit allowing Valve to take payments from PayPal balances. I imagine if anybody had a PayPal account and enough free time, they could call PP on the phone and get a solid answer as to why this happens.

Even so, PayPal will issue any account holder a MasterCard which draws directly from the PayPal balance. So problem solved!

[Dr.Shadowds 🐉]

Nguyên văn bởi Nyx:

Nguyên văn bởi Dr.Shadowds 🐉:

^This. Also I will heavily under line, and bold the words you need to read OP in that quote.

Steam will not take funds from Paypal itself, it will only take funds through Paypal from your credit card, or banking.

That doesn't make a lot of sense, unless PayPal changed something drastically and recently. Here in the USA I've been using PayPal Merchant Services and/or the PayPal Payments/Buttons API for over 10 years. I've set clients up to use the same with their websites. Here, it doesn't matter whether the payor elects to plug in credit card or echeck details or just log into PP and pay with PP balances - the payment comes from PayPal to the vendor for that transaction. All of the above require the vendor to have their own PayPal account and the purchase amount is automatically adjusted for whatever percentage PP takes for whichever payment method is used.

I'd assume that Valve was no different. It seems a lot more likely that PayPal has quit allowing Valve to take payments from PayPal balances. I imagine if anybody had a PayPal account and enough free time, they could call PP on the phone and get a solid answer as to why this happens.

Even so, PayPal will issue any account holder a MasterCard which draws directly from the PayPal balance. So problem solved!

What said right now is that new updates were made, and was explaion that must use a payment option such as banking, or credit card, which that far I can understand.

It's unclear what is up with the new changes to the update policy Paypal made, but I assume either Steam gets around to fixing that issue with Paypal in the new policy update, or that Paypal doesn't want to allow users to take funds from the wallet itself for retails like Steam, or etc, but again it's unclear atm.

Also that last bit might be a good work around.

[Crazy Tiger]

Dr.Shadowds is not entirely correct. In regards to services like Steam, Paypal will only be used with Paypal accounts that have a bank account or credit card linked.
They still can withdraw from the Paypal wallet (or whatever you call it), as long as there is a back-up billing account added in case the money in the wallet comes short.

That is what the German answer was from Steam Support.

It's also something I've read that Paypal is slowly changing since 2017.

[Dr.Shadowds 🐉]

Nguyên văn bởi Crazy Tiger:

Dr.Shadowds is not entirely correct. In regards to services like Steam, Paypal will only be used with Paypal accounts that have a bank account or credit card linked.
They still can withdraw from the Paypal wallet (or whatever you call it), as long as there is a back-up billing account added in case the money in the wallet comes short.

That is what the German answer was from Steam Support.

It's also something I've read that Paypal is slowly changing since 2017.

Thanks for clearing that up.

[VaeliusNoctu]

Ok. But i have my Bank linked to the Paypal Account. So it must work as in the Past. Plus i used my Paypal Account on other sites without Problems.

Nguyên văn bởi Dr.Shadowds 🐉:

Nguyên văn bởi Nyx:

That doesn't make a lot of sense, unless PayPal changed something drastically and recently. Here in the USA I've been using PayPal Merchant Services and/or the PayPal Payments/Buttons API for over 10 years. I've set clients up to use the same with their websites. Here, it doesn't matter whether the payor elects to plug in credit card or echeck details or just log into PP and pay with PP balances - the payment comes from PayPal to the vendor for that transaction. All of the above require the vendor to have their own PayPal account and the purchase amount is automatically adjusted for whatever percentage PP takes for whichever payment method is used.

I'd assume that Valve was no different. It seems a lot more likely that PayPal has quit allowing Valve to take payments from PayPal balances. I imagine if anybody had a PayPal account and enough free time, they could call PP on the phone and get a solid answer as to why this happens.

Even so, PayPal will issue any account holder a MasterCard which draws directly from the PayPal balance. So problem solved!

What said right now is that new updates were made, and was explaion that must use a payment option such as banking, or credit card, which that far I can understand.

It's unclear what is up with the new changes to the update policy Paypal made, but I assume either Steam gets around to fixing that issue with Paypal in the new policy update, or that Paypal doesn't want to allow users to take funds from the wallet itself for retails like Steam, or etc, but again it's unclear atm.

Also that last bit might be a good work around.

For me it sounds more like that. Some Problems with Steam or Paypal or both.

[Satoru]

https://stripe.com/guides/strong-customer-authentication

https://developer.paypal.com/docs/psd2-compliance/strong-customer-authentication/

Note the EU has basically set Sept 14th as a deadline for their SCA initiative

I would wager Paypals requirement for secondary linked payments is in part related to this and which is why its not obvious in non EU regions

[voidCaster]

Nguyên văn bởi VaeliusNoctu:

Ok. But i have my Bank linked to the Paypal Account. So it must work as in the Past. Plus i used my Paypal Account on other sites without Problems.

Well it changes things if PayPal started making everybody do this or Steam has just started doing this. As long ago as 2008, PayPal differentiated between accounts that "just existed" versus accounts that "were verified." Online sellers could always choose whether to accept PayPal payment from both or just from verified accounts.

I would think that successfully linking your bank account should provide verified status, but I do recall that a decade ago when I first had to do this they would transfer small amounts to your bank account - say 1 to 37 cents (in US Dollars that's in hundredths of a monetary unit) - and then you had to log into your PP account to verify the amounts of several such tiny transfers. So if you've never gone through that rigmarole, you might check out "Verifying" your PayPal account.

[VaeliusNoctu]

checked it, both is done the Bank is veryfied and direct debit mandate accepted.

[voidCaster]

Nguyên văn bởi Satoru:

https://stripe.com/guides/strong-customer-authentication

https://developer.paypal.com/docs/psd2-compliance/strong-customer-authentication/

Note the EU has basically set Sept 14th as a deadline for their SCA initiative

I would wager Paypals requirement for secondary linked payments is in part related to this and which is why its not obvious in non EU regions

@VaeliusNoctu I'm sorry I couldn't help.

As we're all casting around in the dark, I think Satoru's idea is really worth looking into.

A year or two ago EU laws went into effect that pretty much made it plain stupid to serve as much as webpages to anyone in the EU, since to be in compliance you'd be required to destroy server logs on demand and without time for proper review... logs which may represent evidence of illegal activity of some sort or another, but even if not definitely would represent diminished marketability and resalability of your service platform vis a vis usage statistics.

I'd be totally unsurprised if the same government farce went ahead and made it untenable to provide financial services too.

[VaeliusNoctu]

Np and thx for the help. I try to contact the Paypal support. Hopefully this helps.

[Satoru]

Nguyên văn bởi VaeliusNoctu:

Np and thx for the help. I try to contact the Paypal support. Hopefully this helps.

I mean functionaly it sounds like you need to link a real payment method to your Paypal account for funding purposes.

Note GOG and Epic must also follow EU law, so its unlikely 'moving to another store' is going to solve your problem

https://www.paypal.com/de/webapps/mpp/ua/useragreement-full?locale.x=de_DE#rtop

Also Paypal in August 2019 changed their terms of service which will auto-trigger in OCtober. This may be relelated to SCA but also may outline specific new limitations as well. Google Translate wont do the entire page so I cant' really tell if anything in the new agreement says anything relevant but you might want to check there as well