Member Avatar for cancer10

Ok, I am into this trouble since a past couple of weeks, people are paying me by fraud credit cards and after a while paypal is hanging me with the "paypal chargebacks"

I want to know if there is really any way I can disable accepting credit cards on my paypal account?


If you can help in any other way to fight this fraud CC transaction, I will be greatful to you.


Thanx

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  • Latest Post Latest Post by Corey Bryant

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Short answer for : PayPal doesn’t give merchants a simple “turn off credit card acceptance” master switch because PayPal controls buyer funding options. That said, there are reliable ways to stop most card-funded (guest) checkouts and to reduce fraud exposure without closing the account. (developer.paypal.com)

Concrete steps that worked for many merchants:

  • Disable guest/guest-card checkout by turning off the “PayPal Account Optional” / guest checkout setting in Website (Account) preferences so buyers must sign in.
  • If using PayPal Smart Buttons, hide card buttons with the JS SDK disable-funding parameter (example shown). This hides the card option on the button UI (it won’t necessarily stop advanced card flows the platform handles). 
    <script src="https://www.paypal.com/sdk/js?client-id=YOUR_CLIENT_ID&disable-funding=card"></script>
  • Use Payment Receiving Preferences to block payments from buyers without a confirmed address and to block eChecks or foreign-currency combinations that look risky. (developer.paypal.com)

Protect the business operationally (these steps matter when chargebacks arrive): always ship to the address shown on the PayPal Transaction Details page, upload verifiable tracking and require signature on high‑value orders, keep copies of buyer communications, IP/order logs and any address/phone verification. Use the Resolution Center promptly — PayPal asks sellers to respond in the time window shown (failure to respond usually loses the case). (paypal.com)

If fraud keeps happening, consider the tradeoffs noted (moving off PayPal) versus tightening PayPal tooling first. Dedicated gateways + merchant accounts (as pointed out) give stronger AVS/CVV/3‑D Secure controls but require setup and underwriting. PayPal also offers merchant-side fraud/chargeback protection tools for advanced card flows if eligible. Assess volume, cost and the operational rules above before switching processors. (paypal.com)

Summary (practical): turn off guest checkout, hide card funding in the SDK, block unconfirmed-address payers, follow Seller Protection shipping rules, and collect the evidence needed to fight chargebacks. These measures stop most fraudulent card payments without immediately abandoning PayPal.

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Member Avatar for Corey Bryant

Keep in mind that Protx and Authorize.net are only electronic payment gateways - you still need a merchant account to process credit cards. And Authorize.net will only work with US merchant account providers unfortunately.

What is the reason for the chargeback? I have seen some sites that say they will not accept credit card transactions via Paypal for whatever reason and when I paid, I abided by that. You should contact Paypal and ask them or maybe check over at www.paypaldev.org since a lot of Paypal gurus tend to hang out there and should be able to walk you through on setting up you Paypal account correctly. You should be able to also set it up to only accept verified users as well.

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