BackgroundAt the core of PayPal's payment processing sits a complex web of risk rules and algorithms that mitigate potential losses from risky transactions. Money from these flagged transactions can be held by PayPal until properly resolved, but at the same time starves small businesses of their critical cash flow. In 2018, there was a growing perception among PayPal merchants that these policies were too opaque, confusing and unfair.
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Goals
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“PayPal's risk policies are confusing and unfair”
“PayPal always sides with buyers during disputes”
“Holds have a real impact on cash flow”
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Problem Statement
As a small business owner, I need easy and quick access to my money, without unfairly invoking risk policies that leave me feeling confused or short on cash.
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Final Execution
Results
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