But when using Paypal, accounts are often frozen. Why is this? The third-party Paypal company is not a bank or a credit card organization, it is just a separate third-party payment company, and its policies often change. Only Paypal insiders know what the specific policies are. There are a series of strict restrictions on using Paypal, such as withdrawals must be left behind The 30% deposit will be frozen immediately if it is withdrawn. Once frozen, it is very troublesome. If the merchant is making virtual products (game equipment, game cards, etc.), it is basically impossible to unfreeze it after being frozen. Because Paypal discriminates against Chinese accounts, it is generally not recommended that merchants use this channel. Many merchants with Paypal accounts are also equipped with credit card payment channels. Once Paypal is frozen, immediately replace it with a credit card channel. Credit card chargebacks are relatively troublesome, requiring the user to apply to the bank, and will leave a mark in the user's bank record. Generally, users will not make trouble unreasonably. The third is that sellers can do more work to prevent malicious chargebacks, such as leaving a record of the communication between the two parties, and asking the other party to fax the front and back of the credit card when the amount is large. This can effectively prevent malicious chargebacks. You can also intentionally avoid customers in certain areas where malicious chargebacks are serious. The advantage of this is that when the bank presents the investigation form, you can use these things to reject the user's chargeback against you. In countries like Europe and the United States, the credit system has been well established. Credit card consumption is closely related to people's lives, studies, work, social life, etc. Using credit cards to consume is related to people's credit records, but Paypal accounts are not. This is also related to Paypal payment. different. The credit card organization has a rule that as long as the credit card is declined, it will be brushed on the cardholder's credit record, regardless of whether the chargeback is malicious or not. This means that no one will refuse payment easily. Once a refusal is applied, the card issuer and the third-party company that provides credit card channels will also intervene in the investigation, which is quite troublesome for the cardholder. This is why credit cards are so effective at avoiding chargebacks. According to the unification of credit card organizations, the chargeback rate for credit cards is only 3 out of 10,000.