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Paypal burns the little guy

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myst woman

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Micropayments for Digital Goods. Terms and conditions have been added to the Agreement relating to a new PayPal Service, Micropayments for Digital Goods, that, among other things, offers micropayments pricing and integrated website tools to qualifying digital good merchants:

For buyers, if you purchase Digital Goods from qualifying Merchants, we may offer you the option to pay for these goods on a later date, at no additional cost to you (“Post Payment Option”). We may offer you this option at our discretion, which we may revoke at any time. The Post Payment Option is only enabled if you have no Balance in your Account. The amounts paid by you using the Post Payment Option will be deducted from your Account on a specific date, no more than 21 days following your initial purchase, or when your Digital Goods purchases using the Post Payment Option reach a certain amount, whichever is earlier. This date and amount will be stated in your transaction details shown under History in the My Account tab in your Account. If you elect to use the Post Payment Option but you subsequently change your preferences (by selecting your Micropayment Preferences through the Profile tab in your Account) to pay for these purchases at the time you make them then for a period of six months you will not be able to change back to the Post Payment Option.

In addition for buyers, if you file a Dispute for a Digital Goods purchase of up to the amount in the table below, we may, at our discretion, reverse the transaction without requiring you to escalate the Dispute to a Claim.
Currency Amount
Australian Dollar: $9.99 AUD
Brazilian Real: 7.99 BRL
Canadian Dollar: $3.99 CAD
Czech Koruna: 99.99 CZK
Danish Krone: 24.99 DKK
Euro: €3.99 EUR
Hong Kong Dollar: $49.99 HKD
Hungarian Forint: 999 HUF
Israeli Shekel: 15.99 ILS
Japanese Yen: ¥999 JPY
Mexican Peso: $39.99 MXN

Currency Amount
New Zealand Dollar: $9.99 NZD
Norwegian Krone: 29.99 NOK
Philippine Peso: 499.99 PHP
Polish Zlotych: 19.99 PLN
Singapore Dollar: $9.99 SGD
Swedish Krona: 34.99 SEK
Swiss Franc: 4.99 CHF
Taiwan New Dollar: 10.00 TWD
Thai Baht: 249.99 THB
U.K. Pounds Sterling: £3.99 GBP
U.S. Dollar: $3.99 USD

PayPal may limit the number of these reversals you benefit from in order to help prevent abuse of this process. If these are limited, you will still be able to file a Dispute and follow PayPal’s standard dispute processes described in this Section 13 to attempt to resolve the issue with the Merchant directly.

For merchants, to qualify to receive Micropayments for Digital Goods, you must submit an application, be approved by us, and have an account in good standing. By applying for Micropayments for Digital Goods, you agree that for Digital Goods transactions you receive for up to the amounts in the table below, if a buyer opens a Dispute under the PayPal Buyer Complaint Policy, PayPal may reverse the transaction and remove the funds from your Account without requiring the buyer to escalate the Dispute to a Claim.
Currency Amount
Australian Dollar: $9.99 AUD
Brazilian Real: 7.99 BRL
Canadian Dollar: $3.99 CAD
Czech Koruna: 99.99 CZK
Danish Krone: 24.99 DKK
Euro: €3.99 EUR
Hong Kong Dollar: $49.99 HKD
Hungarian Forint: 999 HUF
Israeli Shekel: 15.99 ILS
Japanese Yen: ¥999 JPY
Mexican Peso: $39.99 MXN

Currency Amount
New Zealand Dollar: $9.99 NZD
Norwegian Krone: 29.99 NOK
Philippine Peso: 499.99 PHP
Polish Zlotych: 19.99 PLN
Singapore Dollar: $9.99 SGD
Swedish Krona: 34.99 SEK
Swiss Franc: 4.99 CHF
Taiwan New Dollar: 10.00 TWD
Thai Baht: 249.99 THB
U.K. Pounds Sterling: £3.99 GBP
U.S. Dollar: $3.99 USD

A buyer will be limited to a maximum of three such reversals per month for Disputes filed with any all Micropayments for Digital Goods Merchants. After reaching this maximum a buyer will be required to follow PayPal’s standard dispute resolution process for any additional Disputes they file.

In addition, Section 8 (Fees) has been updated to add the new transaction fees for Micropayments for Digital Goods so that either (i) the standard Purchase Payment fees described in Section 8.2 and 8.4, or (ii) the following Digital Goods Micropayment Pricing fees, which ever rate results in a lower amount being charged to you, will be applied to each transaction:

Domestic Micropayments for Digital Goods Fees. The following fees apply when the sender and recipient are both in Canada or one is in Canada and one in the United States, and the payment is in Canadian Dollars:

Activity


Micropayments for Digital Goods Fee
Sending (buying) Free
Receiving (selling) 5% + $0.05 USD

International Micropayments for Digital Goods Fees. The following fees apply when the payment is between someone in Canada and someone in a country other than Canada or the United States. This fee is based on the country of the recipient:

Activity


Micropayments for Digital Goods Fee
Sending (buying) Free*
Receiving (selling) 6% + Fixed Fee**
* Your financial institution may charge fees directly to the card you use to fund a cross-border payment even where no currency conversion is involved.
** See section 8.6(c) below for detailed list of fixed fees for international payments.
Fixed Fees

The Fixed Fee that applies to International Micropayments for Digital Goods is based on the currency of the payment:
Currency Fee
Australian Dollar: $0.05 AUD
Brazilian Real: 0.10 BRL
Canadian Dollar: $0.05 CAD
Czech Koruna: 1.67 CZK
Danish Krone: 0.43 DKK
Euro: €0.05 EUR
Hong Kong Dollar: $0.39 HKD
Hungarian Forint: 15 HUF
Israeli Shekel: 0.20 ILS
Japanese Yen: ¥7 JPY
Mexican Peso: $0.55 MXN

Currency Fee
New Zealand Dollar: $0.08 NZD
Norwegian Krone: 0.47 NOK
Philippine Peso: 2.5 PHP
Polish Zlotych: 0.23 PLN
Singapore Dollar: $0.08 SGD
Swedish Krona: 0.54 SEK
Swiss Franc: 0.09 CHF
Taiwan New Dollar: 2.00 TWD
Thai Baht: 1.8 THB
U.K. Pounds Sterling: £0.05 GBP
U.S. Dollar: $0.05 USD

Restricted Activity. Section 9.1 (Restricted Activities) has been revised to add a restriction on you integrating the PayPal Services in a manner that is inconsistent with the PayPal integration guidelines.

PayPal Plug-In. Section 3.14 (PayPal Plug-In) and all references to the PayPal Plug-In in the Agreement have been removed, since PayPal no longer offers this product.
 
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