This Is The Verbatim Video Transcription Of A Private Training Session
                                                   
                                                
                                
                        
So protecting your PayPal account, right? You know, so a few things that we do to protect our PayPal account. Number one, I think, I don't know, Omar, you can jump in whenever you want, is we don't pro we, we don't sell fishy. You know what I'm saying? Like our sales page has, you know, freaking demo videos. So, so our customers see what our websites look like. They, they know exactly what they're getting. We're not like doing MA lot of ml, MLM companies. They're, they're freaking kind of like raising flags for, for PayPal. Another thing is a lot of customer disputes. So being careful and trying not, not to get disputes. And how you can do that is, is buy little things. First of all I don't know if any of you know this, but PayPal, within PayPal, you can actually customize so to speak, the dispute process for a customer. So once they go to, to actually you know, submit a dispute, let's say for a product that they purchase, you can actually put a message to 'em like, Hey, look, don't, don't dispute this. Contact me. We'll resolve it to try and get people to maybe your help desk or to email, however you decide you wanna do it.


I'm gonna jump in. Let's talk about why that's important though. Yeah. Let's talk about why that's important. Okay? 'cause I think what happens is you have to understand the, how the process works. And I think that a lot of buyers are ignorant to the way that the process works, which is weird, right? Because in this particular industry where we are dealing with people that want to sell online, to come across somebody that's ignorant about the online selling process is, you know I don't know. It's, it's, it's unnerving to say the least, but nobody is born knowing everything. So you might say, well, mark, come on, stop being such a dick. Maybe they're just new and they don't understand. Well, yeah, you know what, you might not understand the specifics of this industry, right? But, you know, a lot of the stuff that goes on is kind of common sense and common courtesy, right?


So, if a company has a refund policy, right? And you want to get a refund, your best bet to getting a refund is, I'm going to a, follow the refund policy. Mm-Hmm <affirmative>. Or B, say, you, I'm gonna do it my own way and I'm gonna file a dispute with the merchant, or I'm gonna file a chargeback, or I'm gonna do it my other way, right? So this is when you run into issues, right? Is when you are ignorant about why there are policies in place, you know? And sometimes what happens is a vendor, a, a, a customer consumer. And by the way, don't think for one minute that Melinda and I are consumers. We're consumers first. I buy online every single day. I buy


Lots of online.


Okay? So we are on both sides of this coin, so to speak. We are vendors, but we are consumers first and I, long before I started selling online, I was buying online. So don't think that I don't know what you've been through and your struggles and all the problems you have in your life. No, we buy online too. Alright? And you know what? There are some up sellers out there that are out to scam you. We are not one of those. And here's the thing. The internet marketing process is one where customers are referred through affiliate links, okay? So the payment collection process requires a special link that tells us who referred the customer at that point of sale. At the moment that that payment is made, there is a number of transactions that happen that are attached with one transaction number. The number of transactions that we're talking about are, number one, the payment is collected.


Number two, the payment is divided, and that division produces multiple other payments. What I mean is now the affiliate network gets its cut, okay? So JV Z gets its 5% the partners in the product get paid. So we get paid, our programmer gets paid, the JV manager gets paid right there. There's three payments that just happened. Paypal takes their cut. That, that happens as well. That's four transactions that just happened. And you know what other payment gets generated right? At the point of sale, the affiliate payment, that guy that referred the customer, all of those things happened, boom. At the same time, through this one transaction number, the place that that transaction number is recorded and where the reversal needs to be hap happen for a refund, in order for all of those monies to be clawed back from their respective payments has to happen in the affiliate network.


Okay? It can't happen at PayPal. Paypal only can no contract that one transaction at a time. They, they, you see, it's the affiliate network called JV Z that enables us to split this payment and create this business that allows us to have partners and jv brokers and affiliate managers and all that. So the affiliate network is the one that collects the payment and automatically creates these other payments. So when we go to PayPal, PayPal looks at that one transaction as a series of transactions, okay? So they're not linked together in PayPal. We can't just find your purchase and then click a button, reverse all of those other things. So in order for it to happen properly and for it to, for everyone to, to, to, to pay their fair share of that refund, it has to happen through the affiliate network. In order for us to click that refund button in the affiliate network, well, we have to have a refund policy, which means that that refund needs to go through our help desk.


We need the number of the transaction, the name of the transaction, so that then we could go into JV Zoo, find that transaction, click the button, reverse it properly. Everybody gets their money back, including the buyer. That's the right way of doing it. In order to do this for most of our products in our company, our policy is 30 days. If you contact us at our help desk with the appropriate information within 30 days from buying any one of our products, we will very generously pay you back the money that you invested. It's not your month. We weren't holding it for you like a bank. The moment it exchanged your hands to our hands, it became our money. Our very generous refund policy gives you 30 days to try out our product. And if you want a refund and you follow our refund instructions, we then take the information that you provided about that transaction, go to affiliate network, insert it, find the transaction, click the button, and everybody's happy.
Everything gets reversed. What happens is when, I don't wanna call 'em, because they could be either ignorant or just new, or just arrogant or whatever it is, but you deal with some winners in your help desk. You, you deal with some people that wanna dictate to you how it's gonna happen. Look, I'm gonna get a refund, but we're gonna do it like this. You're gonna do what I say, and that's just not gonna work. That's not how business is done. You don't go to Walmart to return your vacuum cleaner and tell them how the refund is gonna go. No, they're gonna tell you, look, buddy, you don't have a receipt. You get store credit. I'm gonna get cash. No, you're not. You're gonna get what their policy says you get. If it is not, and you don't wanna go with our policy, guess what?


You don't get a refund. Period. How about that? Because the customer does not dictate the way that I do business. I dictate my policy and the way that I do business. And this is important because without the semblance of order, you can't do business long term. You can't survive in business long term. You have to have a policy. You have to have. Now, not all of our products have a refund policy for specific reasons. Those types of products that involve our time and direct coaching and that give an exuberant amount of access to information products and digital products like software and things that are intellectual property that can be immediately downloaded, things that I simply cannot recover at the time of refund. Well, I can offer a refund on something because you can't give me back my coaching once you've gotten coached. So if you pay me for coaching and I coach you and you say, well, I want my money back, I can't be like, okay, well gimme back in coaching, gimme back drink. I can't, right? So for some products, we don't have a a a refund policy. And another thing I think a lot of people misunderstand or they don't know, or they're either naive or they're ignorant or they're new or they don't care, or they're just. There's a very big difference between a refund policy and a product guarantee. A guarantee or a warranty and a refund policy are completely independent of one another. I guarantee that my product is gonna do X, Y, Z.


That's my guarantee. I guarantee I give my word that has nothing to do with the refund policy. If you say or what, then now a refund policy might come into place. I guarantee that it's gonna do what it says. Or I will work closely with you until it does. Or I will give you this extra thing, or I will get on the phone with you and find out what's going on. Or I will, it doesn't necessarily have to be, or I will give you the money you paid back. There's a big difference between a refund policy and a product guarantee or a product warranty. There are very different things, okay? You buy a car, you get a warranty with it. That doesn't mean you get your money back. If you go to them like, Hey, hey, give my money back. You ain't gonna get your money back for the car if you give it to them.
Okay? That's not how it works. That's not how like Commerce works. It's not how life works. It's not how common sense works. But for whatever reason, it's the internet and people abandon common sense at the door, and then all of a sudden they're like, no, no, no, I'll get my money back. 'cause It's my money. I'll get it back from you and I'm gonna get it my way. I'm gonna go direct to payback. And if PayPal won't give it to me, then, you know what I'm mean? I'm gonna file a dispute. But I'm talking to you right now, Mr. Whatever your name is, and I'd like to give you back your money. I just need you to gimme the transaction, then a number. And we need to go through this process because we have a way of doing it, and it has to be done this way so that all of our affiliates can get clawed back their money.


And so that there could be a proper record of this transaction. And the fact that everybody got refunded. No, no, no, no, no. You don't have to any of that. You just have to get me back my money because I've been online for 15 minutes and I know how the internet marketing works. And you deal with these people and you try to do your best, but eventually you come to an impact where they're like, no, you know what? I'm gonna go to PayPal. Now they're dealing with a third party, and they feel that if they tell this third party, if they word this in a way that sounds like they've been mistreated or that they've been somehow defrauded of their money, that they're gonna be more likely to get their refund. That they so claim. So they say things like, I never got the product, or wasn't as described, or whatever. It's when they're dealing with PayPal. Now, this is a bad move. It's a bad move for a couple reasons. Number one, it's not true. And number two, it me off. And me and Melin, okay? Because we tried to work it out with you. We have a refund policy for a reason. We have a message in our PayPal about our refund policy and say, Hey, don't create a dispute. Just come let us know. It


Seems like that people think that, I like to go back and forth with you about this. Like, don't go back and forth with my list. Script is possible. I'm to get this resolved so I don't have to deal with this because I don't have time to go back and forth. Right? Right, right. You know, people seem to think that I wanna, like, I think it's fun to go back and


Forth, right? So I, I think what happens is they feel sometimes, again, blame it on whatever, ignorance, naivety if that is a word, being naive, whatever the that the right word is. Insert right word here. So whatever, they're new, they're whatever word you want to use. The, the moment that you start going and creating a dispute, or going direct to PayPal when we've been trying to work with you sometimes people don't know where to go or what to do, which is silly. 'cause I'm at the bottom of all of our websites. There's instructions. But you know, they're, they, they play the, well, I didn't know what to do card, right? And they're like, alright. I went right to PayPal. Some of these people, the moment they file a dispute, they put a message to you in the PayPal and transaction. Some of these people, when you say to them, Hey, look, this isn't where we address refunds. Here's our help desk. Go there, create a ticket. Give me your transaction number and I'll take care of this expeditiously. Some people are like, oh, okay. Sorry. I came here, didn't know where to go. I'll go to your help desk, create the ticket. Here's the ID that you needed. And you know what, what do you do? They get a refund. They get a refund, they get it right away, and then they won't


Get blocked,


Right? Okay. So it's when you don't go that route, it's when you're like, no, no, no, no, no. I will continue on with my dispute, and I will stand by the assertion that I did not get this item and that it was not as described. Because I feel that by saying that on my dispute and ticking those boxes, that PayPal will somehow sympathize more with me, and it will thereby give me some leverage. I'm getting the product. I'm completely not even thinking that maybe this could negatively affect our PayPal account. The vendor's, PayPal, the vendor, who by the way, has not done anything wrong other than offer you a product that for whatever reason you had buyer's remorse on, and now you want your money back. And suddenly we are now in a situation where PayPal doesn't know what's going on, and they turn to us and they say, Hey, we've gotta buy here that says they didn't want this.


They didn't buy this. It wasn't what they, they were told they were getting what's going on HLS. And we're like, listen, that's not what happened. There's another side to it. Please don't freeze my PayPal account 'cause that's my livelihood. And that's how we do business, and that's how I pay salaries. So what position you've put me in, now I gotta defend myself because I've gotta prove that you are wrong where you are lying. Because if not, PayPal's gonna say, come on HLS one de for you, you defra a customer. We're not gonna let this continue going on. We're gonna shut down your PayPal account. And basically, thereby shut down our business, create all kinds of inconveniences, maybe even putting limitations on the account and what have you. Which to this day we've never had a problem with. Never, ever. It doesn't mean we're immune.


But nonetheless, this is the position that you've put me in now. So when I said, you're gonna me off and you're gonna off Melinda, well, that's what happens. So now, once you go this route, we're gonna try, we're gonna say, Hey, look, don't go this route. Let's go back to the help desk. Let's talk about this. Let's see what you did wrong. Let's, let's see if it was wrong. If it was our mistake, we'll own it. If it was your mistake and you don't wanna be part of this, no problem, here we go. But the moment that you go and you, you open up that can of, of, Hey, this is not as described, or this is you make me have to protect myself, right? Or this is an unauthorized charge. Oh, it's on now it's on, you just took the swing. So now I've gotta protect myself, right?
So now what happens is we protect ourselves and we show PayPal your IP address, the date, time, and geo code from which you logged in from when you bought the product. Heck, if I could activate your webcam, take the picture, and you buying the thing with your credit card out, I would do that too. Unfortunately, that technology isn't available yet, <laugh>, but we've got ample records of you having done this, not as described. Okay? Let's take a picture of our screen, of our website that has the exact explanation of it. A demo video. We talked about the refund, gu I take screenshots. This is already been prepared in advance for like you, because we anticipated that there's always gonna be a few. As a matter of fact, anywhere from four to 6% is the average. So if you think I'm talking about you, then I, maybe I am.


But most of our people are not like this. And definitely, I wouldn't presume that any any of our MUA people, but nonetheless my point is that once you go this route, now we have to show PayPal, Hey, look, this customer is trying to abuse your buyer protection policies. Here's how you see how we have our policy on our page. You see how we told him clearly? Okay, now look at when he bought it. Look at the time, look at the geo code, right? Look at the IP address from which he's sending this message. Now, let's look at the IP address that made the purchase. Let's look at the IP address that downloaded progress. Let's look at that. Downloaded the progress. Let's look at the IP address that logged in. Let's look at all this. So as you can see, this person's actually logged into the product.


They bought. This person actually bought the product. There is no mistake of who it was or what computer made this purchase, and they're also claiming that it wasn't as described. Okay, let's take a look at when they're, they visited the site. Let's look at the time and date that they actually clicked on the video that shows the demo. So, you know, PayPal, look, there may have been some kind of miscommunication here, but we're pretty sure it wasn't on our part. We tried to work with this customer. We tried to talk to 'em, we tried to handle this on our desk. As you can see, here's a history of the conversation that we had in our email address. In our email. Here's a history in our support desk. This person just doesn't want to do this based on our policy. They wanna try to do it their own way.


And unfortunately, there are other transactions that are attached to this that would be impossible to reverse unless we go the proper way through the affiliate network. You know what? You're gonna lose? You're gonna lose. And in about 99.9 something percent of the, of the time, PayPal will side with us because of the way that we present this. I didn't want it to go that route. You made me go that route. You know, you don't wanna make Hulk angry <laugh> and, and or Wonder Woman. Or Wonder Woman angry. And unfortunately, that's what happened. Now the way that you respond to this situation is gonna determine what happens next. Because there's also a block list and a blacklist and a suppression list that we then take your address, your email address, your purchase email address, your PayPal account address, and we put it on this list.


And you may or may not ever be able to buy again from US or from any of our affiliates or from JV Zoo or maybe even PayPal through PayPal in general based on how malicious we feel you were. Some people do this again because they're naive or they're new or whatever. And sometimes they fess up and they're like, you know what? Look, I'm sorry, I I didn't realize this, or this was a mistake. What do I gotta do to correct this? How can I fix this moving forward? Mm-Hmm <affirmative>. Anybody can make a mistake and everybody deserves a second chance. And that's fine. I get it. But it's when you're an, it's when you're, when you, when you behave a certain way. So when


You're rude, when you threaten me,
Yeah. It's, it's just, there's no need for that. This is the part that I said about abandoning common sense and common courtesy. Just because it's the internet. You shouldn't be doing that. And, and this happens, this happens all the time. So getting back to the whole protecting what is it? And, and then show PayPal all the times you access the site, if they lie to PayPal and then show PayPal all the times you access the site wasn't following. It sounds like the continuation of the sentence. What tracking software do you use on the website to track movement on the site? You, you don't, you just, you just assembled the story, right? So you have all that tracking information is provided by JV Z, right? Their IP address, when they bought, when they logged in, when they clicked, when they downloaded, when they accessed the site, you can go into WordPress and see


Jamie Zoo actually added that. 'cause I asked


For it. Yeah. Jamie Zoo, Davy Zoo yeah, yeah. I, I


Called Chad, I was like excuse me. I need this information so I can file, get, so I can, you know, protect myself with PayPal and I get a dispute. And Chad was like, okay, you're done.


Right, right. So, so this is this is important. Now, look, I I, I don't, I don't think that you should make it your, your mission in life to, to to fight these disputes and all that. Look, when people ask for their money back, give them back the money. They, they want to think it's their money. Let them think it's their money. Give them back the money. Good riddance to bad rubbish. Let them go. You don't want them on your list. You know, sometimes it's, it, it might have been an accidental purchase. There may be a really, really legit reason for, for asking for a refund. We had somebody that purchased commission magnets like three times. I don't know how that happens, but they, you know, obviously two of those purchases are gonna be refunds. We get it. We understand. Now, if you go and file a dispute for those two, you know what I mean?


And say they weren't as described and create issues for me with PayPal when it was really just a duplicate purchase. And that's all you had to say, you know then now I've got a problem with you. 'cause Now, now I'm gonna fight the chargeback. You're gonna lose the chargeback. I'm gonna keep the money. And, and this is, this is the way that it's gonna be handled. But instead, you should, you should do things the right way. And, and when you're trying to hurt my business and lie to PayPal about a product that you chose to buy, then, then that's an issue. Now I jumped in to talk about this to be really, really specific because I think that there are maybe even people on this call that have been on one end, one side of that, of that issue in the past, whether with us or with another vendor.


I think we've all had a we've all had to dispute charges in the past. You know what I mean? I've had to do a chargeback with a credit card company because I was illegally billed. I remember that I was illegally, they took my credit card information and they just started pulling money out of my account on a regular basis. And I, I was unaware of and I had to go and, and you know, and pull, I had to go into the commission, Magnus Rock Exchange. I had go in and cancel that and, and do a chargeback for the money. But that is the reason that these chargebacks and disputes are there for they are buyer protection features of PayPal, of your credit card. They're there to protect you from fraud. You lost your credit card, or, and somebody went and started, went on a shopping spree with it.


You didn't legitimately make those charges. Well, guess what? That is a feature that your credit card has put in to protect you from identity theft and things like that. Didn't make those charges. Okay, can you prove it wasn't you? Alright, no problem. We're gonna go ahead and, and, and take those off while we investigate, and then they're gonna go and ask the merchant for proof that it was this specific person. But the moment that that happens, the merchant's reputation is on the line. You are basically telling PayPal or, or the credit card company, Hey, this merchant took money. They took my money. You better be, you better come ready. You know, if you're gonna, if you're gonna make that accusation against Melinda <laugh>, you better come ready. I'm


Usually the very, very,


Yeah. Yeah. And then, and then now you have, now you have the situation where they lose.
Yeah. You know, it,


They lose


A dispute. They lose a dispute. And then they're like who? Oh can you gimme my money? No. I asked you, first of all, it's not your money. Second of all, I asked you to follow instruction. I gave you instructions on how to get this handled nice and smooth immediately. You were being refunded. Not a problem. But you chose not to follow my instructions. You chose to ignore my warnings. Like, you don't wanna go through PayPal


And now you don't wanna leave it. You wanted to leave it in PayPal's hands. Yeah, we put it in pa we said, okay, no problem. Let's go, let's, we'll put it in PayPal's hands. You know, you're gonna have to wait and you're probably gonna lose this, right? Okay, no problem. Let's put it in PayPal's hands. Now you lost. They're like, oh, wow,


Man.


No, sorry. That's not how life works. Life doesn't work that way. So the other situation that you have with this is not just on the on the, on the PayPal side. We now have technology in place with JV Z where you can block people from buying from you. And whenever we have a dispute with someone, we block that buyer period. If you dispute a charge from us, because we know we're not erroneously charging anyone, and we know we're not maliciously trying to defraud anyone. So if you create a dispute against, you are going on our block list, you're going on our suppression list, we, we don't wanna work with you anymore. We don't want you to buy any of our products because we


Had a dispute.


So we are not fit to work together. So you're going on our, on our thing. How many times has somebody reached out to me like, Hey, I tried to buy this thing


And I got this page and said, Nope, you can't


Buy it from us.
That's happened quite a few times. It


Happens quite a few times. Mm-Hmm <affirmative>. And, and you know what? Sorry, that's, and not only are you likely blocked from us, but we share our suppression list with our affiliate partners, and we let them make a, a decision of what they wanna do with you. We just let them know who we've blocked, who we've blocked. Our block list is public information. Anybody wants to see my block list? Happy to show it to you. These are the people that I don't work with. These are the emails that I've blocked because of disputes or problems. I've no problem doing that. You know, it's funny 'cause that reminds me of, I remember when I, when I was, I don't see it as much here, but I remember when I was in New York I remember when I was at PayPal recommends that you contact the vendor before filing a dispute. Yeah.


People don't message that


Though. Yeah. Not only that, there's a message from


Us. There's a message from, I think I'm, I think we should put a image. I'm wanna see if we can do that. Yeah. 'cause Maybe people just aren't reading. I don't know. Maybe we need some arrows and stuff, you know? Yeah, yeah. So, so right. When someone is gonna go ahead and request a dispute, we have a message that says, wait, don't dispute this. You know, don't dis don't dispute. And then it says, look, contact us through, through our help desk. We'll be more than happy to resolve this with you there. You know? And if you just are like, oh, no, screw you. I'm gonna dispute this. Well then screw you. You asked.


Well, I, I, I don't say screw you. I don't say that. I just say, Hey, look, this is that you chose this route. Yeah. This is what you chose to do. You're an adult and, and this is the direction that you chose. Now, you know what another thing is? What Sarah saying, she said, many years ago, I had my details hacked, close the account, thanks to the vendor warning. And I have never used credit since even in the savings account has limited funds. So it'll never happen again. Yeah. You know, it, this is, this is just the kind of thing that happens. So look, I'm not trying to scare you, especially if you're new on these, on these calls. This is business. This is what happens. This is a very small percentage, a very small percentage of the transactions that you are gonna make.


It, it, it, you may have, we probably have a less than 1% dispute record. I, I'm sure we can probably pull that number from somewhere. We probably have a less than 1%. Our refund rate in general through our company is probably somewhere around 6%. It's gonna be between four and six. Some products are higher than others, obviously, and it's gonna average out somewhere between four and 6%. That's refunds. So this is to be expected. I was just telling Melissa, Melinda, today, I am suspicious when I'm looking at feedback on Amazon products, when there's a hundred percent. Yeah, a hundred percent. Good feedback. Good feedback. Right? Something's wrong there, right? How did you do 10,000 sales and everybody gave you five stars, right? Come on. There wasn't one in the mix that was just like, I'm just gonna be a dick. You know what I mean? So, so when I see glowing 100% everybody's happy. I'm thinking, nah, something's fishy. It's manipulated. 'cause You can't make a hundred percent people happy a hundred percent of the time. You know what I mean? And I'm perfectly okay with that. I understand there's gonna be disputes. I understand that there's always gonna be disputes. There's gonna, but there's


Way, there's way to handle your disputes. That's right. That's right. That's it. And if you contact us, we're more than happy to resolve it within, you know, right away.
Right. And, and here's the thing. Here's the thing. If it was an outside industry, if we were selling freaking, I don't know, wicker baskets and someone didn't understand the policy or how to do a PayPal dispute or why they should go to, but we're not, we are marketing to marketers. We are selling products about marketing, about creating digital products. And


You're, you're being


An to people that are potential affiliates to you are literally where you plan to eat. You're, you're buying products here to learn how to build an internet marketing business. And you're creating a storm. And, and it's not, it's just not good karma. It's just not a good thing to do. Maybe we should just sell
Ebook. That's like, don't where you


Don't


Where you eat


It's, it's, it's just, it's just my, my my personal opinion. So with that said, I think as a vendor, now, one of the things, and this is what Melinda was saying, one of the things that you could do is you can create a message in your account. Now, this is in a business account, right?


In a business account, yeah.
Right? Which by the way, you should be using a business account.


Yeah. You shouldn't be, because if not, that's raising a flag. They're gonna see


You're doing business, not a business account.


Yeah. That's raising a flag. They're gonna be like, wait a second, hold up. Where's all this income coming from? If this is just an individual person's, you know, PayPal account, why they're


Normal, people aren't doing like a hundred transactions a day on eBay. Correct. You know what I mean? So when they see a hundred transac, and remember when you're doing affiliate marketing, that one transaction is really five. Right? So PayPal's getting paid, JB is getting paid, the affiliate's getting paid, your partner's getting paid, you're getting paid. So there's all these transactions that are happening times 50 sales. So if you make 50 sales today, just 50, which is you just made 250 transactions on a personal PayPal account, IG to you, a risk assessment flag is going up. Mm-Hmm <affirmative>. You know what I mean? So don't use a personal, what does it cost to do a business account? 30 bucks or something like that. Is it even, is it even something you have to pay for?


Well, we, we pay 30 bucks a month, but I think, and we've been doing that for a long time, I think it's because we have a virtual terminal.


Okay? If I'm not mistaken, I think, I don't think you have to pay, it's free. A business account is free. Don't, it's free. David says it's free business account is free. So, so if you're gonna be doing business with your PayPal account, then have a freaking business PayPal account is free. You


Know what I mean? Yeah. Month because we have virtual.


Yeah. You know, I, I, I hear, I hear a lot of these people screaming, oh my God, my got, oh my God. And then it's terrible. I don't, I don't want anybody to have to go through that. But when you start peeling back the layers of that discover why, usually you're like, dude, why the are you promoting mob? You know what, like, they got indicted by the FTC and all. Well, yeah. So, so don't wonder why your PayPal got limited when you've been promoting mode for two years, but I'm not doing it anymore.


Okay? You know, there, there's usually some layers to that onion. Now look, I know it's marketing and, and at the end of the day, I'm gonna be honest, your, if you're under review by PayPal, there are no clear rules. They purposely keep these rules complicated, confusing, hard to find, unclear, vague. When you lose your Facebook account or when your post gets taken down, where do you even go to submit a ticket? Even finding their help is hard, right? And then when you do, they just, if you challenge it, they just ignore the challenge. And at the end of the day, it's just like, yeah, dude, look, we took it down. We took your post down. Okay, we talking


For


Whatever reason, Brooke, for whatever reason, we took your post down. 'cause At the end of the day, guess what, bro? It's not your website, it's mine. You're unhappy, you're, dude. I'm sorry, bro. But you know what? It's not your website. So it's, it's Mark Zuckerberg's website, and it, and it comes down to what the reviewer thinks at the moment. He's reviewing it or she is reviewing it, and how, what kind of a day they're happening they're having. That's just the way that it is. So you can say, well, that guy on his website says that if you buy his thing, you'll be rich within 17 minutes.


Mine doesn't say anything like that. And they're gonna be like, listen, dude, I'm not reviewing that guy's side. I'm reviewing your side. And I don't like the way you put this apostrophe here. So guess what? I'm shutting down your account. What are you gonna do? What are you gonna do? Tough guy. You know? So you, you, you, you gotta understand that there is no one size fits all policy here. You've gotta do your best to run an ethical business. And running an ethical business does not mean that you need to take it in the chin every time that somebody wants to be a jerk, or every time that somebody wants to dictate your guarantee or your refund policy to you for a long time, we used to take it on the chin. Yeah,


We used to, we used to just a lot. Just, ugh,


Another disturb, whatever. Just accept it. Just accept
It. And then,


You know what, what we realize though, is that every time somebody says not as described, or every time somebody says unauthorized, and you're accepting, you're literally saying to PayPal, yeah, I wasn't


Authorized to try this. You got me. Well, back in the day as well. Now it's not the case with PayPal, but their options were limited. Like, it's either okay, here's my refund. I accept, you know, it is like, okay, I'm an idiot. You know, it's just like, it wasn't like, no, I don't agree to this. Let me just, let me respond that in the past, that wasn't the way, one of the options I literally had to get on the phone with PayPal. Like, no, I'm not agreeing to this. What do I have to do? You know, I don't have a tracking number, it's a digital product, you know, whatever. And I had to have someone walk me through the process so that I can dispute without admitting that I did something wrong when I did it. So I had to go through that process.


You know? Mark, mark brings up a good point. Paypal likes to get a call when you're gonna do an abnormal amount of transactions like you're launching a property. Yeah, there, there is some truth to that. Now, here's the thing. If you call your bank right now and say, Hey, hey, bank bank of America, listen, there's gonna be an abnormal amount of transactions on my account. Okay? It's gonna happen today. Alright? And then all of a sudden your bank detects fraudulent activity. Do you really think that the phone call you made is gonna have any effect on whether or not they limit your card? Or, or that machine swallows up that card that you've been to 10 ATMs with in the last 10 minutes? You know, it doesn't matter because that phone call you made went to some, some dude that gets paid $9 an hour in a completely different building on a different side of the planet. You're talking about a company that has like, freaking a hundred thousand employees or whatever it is, you know, or,


Or if you tell 'em, oh, I'm gonna be outta the states and I'm gonna be in outta state. So it
Makes no difference. It


Makes no


Difference. Makes you call your bank and say, Hey guys, I'm going on vacation. I'm traveling,


I'll,


Sir, I'm in Las Vegas. Okay, run that card for $2,000 at one in the morning, in a night club. See what happens. Oh, see what happens, because I can tell you exactly what's gonna happen. Oh, you better hope that they take PayPal, okay? Because at, at that point, your card is frozen, you can't, you're in a what? What? In the bathroom.


In the bathroom,


you're in the bathroom trying to get your credit card unlocked because you just ran two, $2,000 on it and they just, they just froze it. So, and, and you called 'em before, before you left. Before you went, yeah. You know, and this, this hasn't happened to us once. I,


I even have to call 'em and be like, look, I'm gonna be charging at a, a, it's gonna be about $3,000. Do not freeze my shift. I'm gonna do it right now. Now


There's, there's
$750,000 in


This account. Okay? Please check


The balance.


I want, I want use three. I wanna use 3000. Can I have


Three? It's just, I, I had, oh my God, that one time in Vegas where I, I had to go to the bathroom and call them because they froze our, our card because of they thought it was fraudulent charges,


Right? And next thing you know, everybody was like, dude, dude, don't worry. Just, just use my card. Like, no, no, no, dude, my card is fine. Dude. Dude, it's okay.


No. I'm like, girl, remember what happened? I went to the bathroom, I called the bank. They were like, okay, fine. Okay, it's unfrozen. You're good to go. Go ahead, tell to charge it. I have to walk all the way back to where we were to, okay? It's good to go. Sorry. It's what the, you


Know, declined again. That is when they're saying the the, the, it says that, that I have to keep your card. It says that I have to keep your card. I'm like, what?


My card back. I'll you my card.


So yeah. Anyway yeah. So, so do, do what you can. I, I, I mean, David is saying the, they can keep all your money. Here's the thing. Legally they can't. They do have some clauses in their, in their, in their thing about how, how long they can hold your money. They can just make it really, really, really difficult and frustrating for you to get your money back. And at the end of the day, what are you gonna do? You're gonna litigate it. How much do you have in there? You know, a few thousand, 6,000. 10,000. That's another good, good point, by the way.


Oh yeah. I was gonna


Say it shouldn't


Don't leave a lot of money in your PayPal account. I'm constantly taking money out. Yeah. I don't leave a lot of money at all in there. I put, I leave enough for maybe like three,


Every 3000,


Every 3000 I take out, I take out, take out. I, I don't leave.


I've, I've seen, I've seen videos. Like I saw, I saw a video of Michael Cheney pulling a hundred thousand dollars out of his PayPal account. I would never


Leave that time you down.


Like, dude, you're crazy.


Yeah. I would never leave that money in PayPal. Yeah, that


Is, that is just insane. That is just nuts. No, I know what I mean. Don't, don't do that. You want, what you wanna do is, you know, keep, keep some money in there so that refunds can be, you know, can be pulled out. So you don't ever want to have your account at zero, obviously. Yeah, because it's a business account. Have a few hundred dollars in there. If you're selling high ticket products and you're refunding high ticket products, you should have enough to cover a high ticket product. You know what I mean? So we, we, we generally don't. And, and the other thing is, just keep in mind that at any time they can freeze it, they can move it, they can put a, put a limit on it. Here's where that gets bad. Remember that affiliate marketing model that I mentioned at the point of sale payments get made, if your account is frozen, what it means is you can take payments, but you can't make any.


So you can't move, pull money out. Money can't go outta your hand. They'll let you keep collecting money for them to hold for you. They'll let you continue processing. But what happens is, at the point of sale, now payments can't go out. So you can't pay your affiliate that referred, referred to sale. You can't pay anybody. Obviously, PayPal allows their cut to come out. Mm-Hmm <affirmative>. But the affiliate network can't get paid. The affiliate themselves can't get paid. Your partner can't get paid, and you can't get paid either. 'cause You're not allowed to withdraw money. So getting limited or getting frozen, that's what that means. Yeah. Your payment buttons might still work, but you are not, you're not able to do


Business. Yeah. I have changed affiliates from being approved to promote our, our stuff to being denied. I'll tell you why. Because when you go to refund someone, it'll say warning you know, one of these accounts does not have funds. So what happens is, now I gotta eat your portion because you took out all your money and you can't cover you portion of that refund. So I have literally been like, okay, fine, I'll still process it. 'cause A warning comes up in JV Zoo, and if you still wanna proceed, you have to put, put the word refund in again and click it. So you are basically eating that person's right.


If you are, if you're an affiliate and you refer to sale to me, and you don't have no money in your PayPal accounts to cover the refund of your, of your your cut on that, so your customer refunded, that means your commission gets clawed back. If you don't have the money in your account to get clawed back, I'm done working with you. I don't work with you. I'm done. I know I don't wanna work with you. You get blocked, you're done. Mm-Hmm <affirmative>.


And then after that, I tell


You, get on the naughty list, <laugh>, you don't get anything from Santa this year.
So Dan's family wants to know what, if you have a big launch take out as the balance goes up. I do not just do that. No. I mean, no, no, no, I don't, not in that case, because I've gotta pay prizes. I've gotta pay different things. So I'm not gonna go ahead and do that. And I, I don't wanna raise a flag with, with PayPal. I don't want 'em to see, oh wow, all this money just came in and that same day she's pulling it out. You know? Yeah.


You don't, you don't wanna, you don't wanna let the money sit in there a long time. But we're not, we're not pulling it out constantly. Especially during a launch, during a launch when you had a sudden surge of money and it suddenly surges out, yeah, that's not good. Not good. If, let's say you did $60,000 in a day, maybe move 20,000, maybe move 10,000, maybe move a different amount the next day and so on and so forth. So if you're averaging, let's say you're collecting 60,000 or $70,000 a day for a period of a week during a product lunch, right? You wanna maybe be withdrawing 19,000 today, maybe moving 20,000 tomorrow, maybe moving 25 on the next day. Maybe one day just moving 10 maybe. So you're moving money from, from one to the other. But long after the, after the launch is done, you continue like 10 20 until you're, you're down to maybe, you know, 10 grand in the account again.


And you just, you're just keeping it down there. 'cause There's gonna be a, a greater amount of refunds as well. So there's gonna be money being clawed back and that kind stuff. You don't wanna clear it out either. So you don't want to you don't wanna suddenly move all the money out either, you know? And then, and then if they contact, they're like, why'd you take out's? Well, Omar Martin told me that I should take all my out. Don't, you mentioned my name. Snitches got stitches, <laugh>. Alright? Don't, don't be, don't. Well, Omar warned me, like, oh, who, who did


Do you have a Stripe account for redundancies?


I had over six figures in my account last month. I take it wrong. Oh no. Yeah, I don't do


That. Right? That's, that's scary. I don't do that, man. You don't wanna do that because PayPal's taxes,


Paypal is not a savings account. Paypal is not a place to keep your money. Paypal is a place to process. You wanna remove the money cautiously and carefully so you don't throw up any red flags, but you don't want to keep it there. If you've got six figures in your account, create a plan to move that money daily, little by little in increments that are absorbable. A few thousand here, a few thousand there, 10 here, 15. Yeah. You wanna move that money out slowly so that you don't raise up any flags. But yeah, that's you know even if your PayPal business account is linked to your regular bank,


James, I says I have three regular accounts.


That's


Okay.


You're supposed to have one PayPal account,


That person account, you can have child accounts account, you can have child account account, you can have a business account, a business account. You can have a business account, and you can have a personal account in your business account. You can also, you can have one of each, right? And then with your, within your business account, you can have child accounts for separate websites and things like that, right? So that you can work out with your PayPal rep when you're at the level that you need multiple child payment, PayPal accounts, generating enough, you have enough revolving capital in in PayPal to have your own PayPal rep. And this is something that you wanna discuss with your PayPal rep. Back when we first started doing it, they actually even, they assigned us two reps. We actually had a technical rep. Nikki was our regular rep, and David was our, David Tech was our tech guy. Yeah. Wow.


You


Remember everything. Yeah. So, so right. I do.


Yeah. 


So we, David was the one that introduced us to the concept of child account and saying, look, if you have this website, this, this website, and this way, it had to do with pulling the reports and being able to separate data. Well,


Well, no, with the, with the child accounts. The, I don't know if it's different now, so don't quote me, but at the time with child accounts, it, the money automatically comes out into your main account. You couldn't schedule that and, and just pull the money up every day. Every day that


Child account


Money gets moved,


Moved into the main account. Yes.


Right? So you'll see like internet selling for, for newbies just sent higher level strategies, you know, money or whatever.


Can you set that threshold of how much it is?


No.


No. So they just move all the money that the child account made. Which,


Which sucks. Well, that at the time, I don't know if that's changed, which sucked. Because if for some reason, now I got, let's say in our, I'm trustworthy, you know, PayPal account, someone wants a refund, there's not zero money in there. So I have to go into our, our main account, account account. I got put the money in that account and PayPal will take a fee even though it's a child account. And then I've gotta go ahead and there,


There was a benefit, there was a reason that there was beneficial to have a child account. I don't remember


What it was. I don't remember what it was as well, right. But yeah, that, that was how that


Zora said, they showed us now for child account abuse. Child abuse, get it.


Yeah. okay. Going to give PayPal.
Congrats on that, Dan. Six figures last month. Good job, brother.


Awesome. gonna give PayPal call tomorrow. Don't need a ringer. Yeah. You, you wanna be careful. Okay, so


Don't drop my name. Remember what


I said? Yeah. Don't be, don't be saying anything about high level strategies or


It's just get snitches.


You don't want the Martins after you <laugh>, you know, I'm Puerto Rican addict every


Time. Here's the thing, right? Every time I've dealt with anybody at PayPal, it's been a very pleasant experience for me. I agree. I, I, and you know, and they do these webinars now where they do training. Yeah. I've, I've always had a pleasant experience. Paypal, I've heard horror stories. Knock wood, I haven't had that experience personally with PayPal. We do a lot of money with PayPal, we do a lot of transactions. We've had PayPal working capital loans in the past. So we've worked very closely with PayPal. Paypal has helped us grow our business. I am not gonna hate on PayPal. I'm not, I I see a lot of people out there. Was it one of the guys that was doing and I'm not gonna use his name right now, but he had a, a group that he created just about this.


And the cover of his image was like, it was two middle fingers, like, you, PayPal. And then what happened is he had a lot of big marketers in this group, and somebody brought in a PayPal rep into this group. And the PayPal rep was like, look, you know, it is a Facebook group. And he's like, look. And he came in with a PayPal logo and everything on this thing. And it was like, you click on this thing, it like works at PayPal, risk assessment or whatever. And the guy was in there and he was like, look guys, you know, I'm sorry that you have this, these situations. You guys have your individual reps who don't know who your rep is. Please ping me and I'll let you know who to contact. Here's the number. Guy was trying to be helpful, but a lot of people were in there just, just instantly trying to attack, right?


And, and one of the things that the guy was like, look, guys, this is a big company. I'm one person. I'm not your rep. I'm, I'm here because so and so asked me to look at this, this statement or whatever, and to get some clarification. And he put provided links to things and stuff like that. And one of the things that he said is, is everybody's situation is different. I can't explain to you why one did or the other. He goes, but, and, and he worded it in such a way where he was like, look, you know, I gotta be honest, when you are trying to get help and you're bringing somebody like myself or any one of the reps here, and the first thing we see is you, PayPal. He said that, right? Yeah. And, and it was, it was on his comment.


He goes, this kind of tells us that we may have made the right decision. You know what I mean? So, so think about how, because it's exactly the same way that Melinda and I was just describing our policy and our business, right? If you decided to, to not listen, to not do what we said, to not follow instructions to create a problem for us, right? And then later come back to us when things didn't work out your way and be like, well, you know, hey, I, I, now I'm ready. Now you know what? I think we might have made the right decision. You know what I mean? 'cause Look at, you know what I mean? So I, I don't have any bad things to say about PayPal. As a matter of fact we have built seven figure business and become internet millionaires greatly, in part because of that platform.


The, the fact that that platform existed, because that's how we've been collecting payments. Mm-Hmm <affirmative>. That's how we've been, that's how we pay our employees. That is you know, and, and, and that's just that we, we actually got our a PayPal working capital loan. And it was, I dunno, a few years ago. Mm-Hmm <affirmative>. But, you know, these things I I mean, I, I, I can't speak for anyone that's had their account, that's never happened to me. I'm not saying that it isn't gonna happen or that it can't, I'm just saying for you and your business do things right. You


Know? Yeah. You know, I, I agree with you. Every time I've had to deal with PayPal, it's been a pleasant experience. I've had them walk, walk me through stuff. I've had them explain clearly, you know, stuff that I may have seen on their website that I was like, wait a second. I don't understand this crap. I, I've called 'em and been like, can you please explain this to me? 'cause I'm not getting it. And they've taken their time with me. They've, I mean, they've been awesome. They've been awesome. They really have. They've followed up, up with me to see if I had any other questions. They've been great. I can't, I can't I can't bash PayPal. So with my experience, they've been done nothing but help me. So James Erman says Omar, Mel Martin. They told me he's gonna tell PayPal tomorrow. James says, I pay the newbie, which I am <laugh>. They have always been very cool. Paypal employees are very helpful. Cool stuff. Never had bad experience too. Mark says,
You know, I, I will say this. I'm sure that it, it, it, it, I know that it's probably gotten better over the years, but know that PayPal, you gotta understand a little bit about the culture of PayPal. Paypal is eBay, right? That's how PayPal started. Paypal was the payment processor that was created for eBay. And it's important to know that when you are trying to talk to one of these people, understand a couple of things, your business looks shady as hell to that. Okay? It just does. Because they're used to dealing with pay with eBay. They're used to dealing with auction sides with, with, you know, and now all of a sudden they're on the phone with you. You've got a bunch of refund requests and disputes that just came in today. All of a sudden you haven't, you, you've made like $62 and 13 cents in your PayPal account over the last four months.


And then all of a sudden you made $12,000 today, all came in from this Warrior Plus thing. It's, it's just very suspect. You know what I mean? And all of a sudden you've got these disputes, you've got, and they're coming in. Now, PayPal doesn't know if this is the, the, the, just the what do they call the beginning? They don't know if like, oh my God, this could all be fraudulent transactions and we've just gotten the first 10 disputes. We better cut this off before the other a hundred come in, right? Because they've made a hundred other transactions today. Let's, let's cut this off right now. They don't know that what's happening is, this is a product launch. There's serial refunders in this industry. This is software. They're downloading it, then they're asking for a refund. They, they, they don't understand the model.


And then you call 'em to talk to them. And you gotta understand that the people you're talking to are not the programmers of PayPal. They're not the marketing people of PayPal. You're talking to the $9 an hour part-time customer service rep that is used to PayPal options eBay options. And now they look at your account and they see $10,000 in one day. They don't make $10,000 in three months, or four months or five months. And to them, they think you're doing something illegal. You know? So you gotta understand who you're talking to. I think it was Marshall. So, or that, that, that made me realize this. If God forbid, you ever have to go, gotta go to court and you have to explain about your house or about your, your million dollar business or whatever, you're going to be explaining it to nine to five workers in the jury.


They're not gonna assemble an audience, a jury of your peers. They're gonna assemble a jury of nine to five people, right? That, that they, they look at your income and they're like, there's no way this person isn't a drug dealer or doing something illegal. 'cause It's impossible to make $70,000 in one day. That is impossible. It's impossible in their minds to make that kind of money in a day without defra somebody. Everybody that makes that kind of money is a crook. Just look at Donald Trump, right? And, and that's their mind, that's their mindset. And that's what you're dealing with. And that's the type of person that you're talking to when you're, when you're dealing with the customer service. So, so you've gotta keep in mind that it's gonna be very difficult for you to explain your business model to someone. And, and in, in this, in this kind of scenario that I'm describing at PayPal that doesn't mean that they're out to get you, man. That doesn't mean that they, they wanna shut you down. I don't believe that. I don't
Believe that either. They're making money too. You know what I'm saying? That's right. It's a business for them. Right. It's not like they're going out there saying, let's see who I can shut down


Today. Right. And you know what, just like it's a business for us. And sometimes we feel like we need to block someone and not let them buy from us anymore. Well, it's a business for PayPal. Sometimes they need to block a vendor and not let them use their platform anymore. Mm-Hmm


<Affirmative>. Dora says there's a lot of shenanigans going on in eBay. Yeah. Always will be. Okay. So anything else about PayPal you wanna bring up? No,
I think we're, we've made a very thorough PayPal discussion there. All right.


































































Thank You For Reading!


Thank you for taking the time to explore this resource. I hope it has provided valuable insights and actionable steps to help you achieve your goals.
Remember, success comes from consistent effort and a willingness to keep learning. Keep pushing forward, stay focused, and always believe in your ability to succeed.
We are wishing you all the best on your journey!




  

	Page  of