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PayPalAccount restriction

A user reports that PayPal's AI automatically restricts or bans any new account they create, citing suspicious behavior even when the account has had no transactions.

What happened

Post: "Why isn't there an alternative to scampal?"

Source

RedditOct 3, 2026By u/Black-Mack

r/paypal

Why isn't there an alternative to scampal?

upvotes
9
comments
8

Post

Highlighted: the lines this signal was extracted from

Stripe doesn't work in my country and websites still require PayPal or Stripe to work. PayPal AI restricts/bans any account I make under the pretext of suspicious behavior even tho the account was left as-is without transactions for days.

reddit.com/r/paypal/comments/1wwiin5/why_isnt_there_an_alternative_to...Read the full source

Comments on the post

3 of 8 comments
  • “Considering every account you created after the first one was a ban-able violation of their terms, I wouldn't count on ever using PayPal.”

    u/Yaalt4202 points · Oct 3, 2026View

  • “There are, but there isn't one without issues. Take Payoneer as an example, the fees are just straight bullshit and they have the highest fees out of all platforms. They offer several things and they just recently started accepting PayPal payments, but the fees just make it hard to migrate to it. You also have something liek Wise though it doesn't seem to be supported in lots of countries, it”

    u/Thin_Worth1501 points · Oct 3, 2026View

  • “Venmo, cashapp, chime?”

    u/xanaxisgod20 points · Oct 3, 2026View

Extracted by Autobound

From the Signal API record
Signal
Account restriction

What this signalsUser posts often show product pain before it reaches reviews or churn.

Subreddit
r/paypal
Stage
Confirmed

Companies

  • StripeAlso named

The full record

From the Signal API record

Numbers

Mentions
23

Details

Timing
Ongoing state
Category
Suspension
Virality
Medium
Post kind
Text
Prominence
Core
Company's role
Subject
Signal category
Event

Topics and mentions

Topics

  • account restriction
  • risk management
  • customer support
  • ai

Flair

  • I hate PayPal

Extraction

Sentiment
Negative
Detected
Oct 3, 2026
signal_type
reddit-company
signal_subtype
accountRestriction

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The API returns more than this page shows

This page shows a preview. The full reddit-company record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
Show the full JSONThe record on this page and the API request

GET /v1/signals/0bab5737-102b-5e3e-a871-0a0aaa7929c0 returns this record as JSON. POST /v1/companies/enrich returns every signal for paypal.com.

{
  "signal_id": "0bab5737-102b-5e3e-a871-0a0aaa7929c0",
  "signal_type": "reddit-company",
  "signal_subtype": "accountRestriction",
  "detected_at": "2026-10-03T08:58:46+00:00",
  "company": {
    "name": "PayPal",
    "domain": "paypal.com"
  },
  "data": {
    "nsfw": false,
    "stage": "confirmed",
    "awards": 0,
    "timing": "ongoing_state",
    "topics": [
      "account restriction",
      "risk management",
      "ai",
      "customer support"
    ],
    "post_id": "1wwiin5",
    "summary": "A user reports that PayPal's AI automatically restricts or bans any new account they create, citing suspicious behavior even when the account has had no transactions.",
    "category": "suspension",
    "comments": [
      {
        "url": "https://www.reddit.com/r/paypal/comments/1wwiin5/comment/pdl796u/",
        "depth": 0,
        "score": 2,
        "author": "Yaalt420",
        "excerpt": "Considering every account you created after the first one was a ban-able violation of their terms, I wouldn't count on ever using PayPal.",
        "posted_at": "2026-10-03T10:57:48.000Z",
        "author_url": "https://www.reddit.com/user/Yaalt420/"
      },
      {
        "url": "https://www.reddit.com/r/paypal/comments/1wwiin5/comment/pdku5az/",
        "depth": 0,
        "score": 1,
        "author": "Thin_Worth150",
        "excerpt": "There are, but there isn't one without issues.\n\n Take Payoneer as an example, the fees are just straight bullshit and they have the highest fees out of all platforms. They offer several things and they just recently started accepting PayPal payments, but the fees just make it hard to migrate to it.\n\n You also have something liek Wise though it doesn't seem to be supported in lots of countries, it",
        "posted_at": "2026-10-03T09:11:45.000Z",
        "author_url": "https://www.reddit.com/user/Thin_Worth150/"
      },
      {
        "url": "https://www.reddit.com/r/paypal/comments/1wwiin5/comment/pdluhfm/",
        "depth": 0,
        "score": 0,
        "author": "xanaxisgod2",
        "excerpt": "Venmo, cashapp, chime?",
        "posted_at": "2026-10-03T13:21:30.000Z",
        "author_url": "https://www.reddit.com/user/xanaxisgod2/"
      }
    ],
    "evidence": [
      "[title] Why isn't there an alternative to scampal?",
      "[post] PayPal AI restricts/bans any account I make under the pretext of suspicious behavior even tho the account was left as-is without transactions for days."
    ],
    "virality": "medium",
    "post_date": "2026-10-03T08:58:46.000Z",
    "post_kind": "text",
    "post_text": "Stripe doesn't work in my country and websites still require PayPal or Stripe to work. PayPal AI restricts/bans any account I make under the pretext of suspicious behavior even tho the account was left as-is without transactions for days.",
    "sentiment": "negative",
    "subreddit": "paypal",
    "post_flair": [
      "I hate PayPal"
    ],
    "post_title": "Why isn't there an alternative to scampal?",
    "prominence": "core",
    "source_url": "https://www.reddit.com/r/paypal/comments/1wwiin5/why_isnt_there_an_alternative_to_scampal/",
    "entity_role": "subject",
    "post_author": "Black-Mack",
    "upvote_ratio": 0.7142857142857143,
    "mention_count": 23,
    "mention_surge": true,
    "subreddit_url": "https://www.reddit.com/r/paypal/",
    "total_upvotes": 9,
    "comments_total": 8,
    "total_comments": 8,
    "other_companies": [
      {
        "name": "Stripe",
        "role": "alternative"
      }
    ],
    "post_author_url": "https://www.reddit.com/user/Black-Mack/",
    "signal_category": "event",
    "comments_included": 3
  }
}

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