Advance each time you initiate such a withdrawal

In these embodiments, the process illustrated and discussed above in connection with FIG. According to various aspects of the invention, the enabling steps 146 and 148 can be performed by software hosted on a merchant website, or by software hosted by a settlement clearinghouse. After the value remaining parameter has been increased by the consumer either recharging the prepaid calling card or purchasing a new prepaid calling card, the merchant can submit a second request to authorize the proposed transaction, as shown in block 149.

Respective transactions to be settled are represented by columns 92 a, 92 b, 92 c, 92 d, and 92 e. The data structure contains rows for various data relevant to each transaction, such as a transaction ID field 94 a, a merchant ID field 94 b, a prepaid calling card number field 94 c, a PIN field 94 d, and an issuer ID field 94 e. 9 is populated with sample data chosen strictly for illustration, and not to limit the invention. First, consumers may hesitate to provide credit card numbers over networks, such as the Internet or the public telephone network. However, the alternative payment avenue provided by the invention may enable the merchant to reach those reluctant consumers by lowering the risk faced by those consumers.

You may cancel an automatic payment up to 3 Business Days before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Centre. Once an automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. If you cancel an automatic payment, you may still owe the seller funds for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for and you may be required to pay the seller through alternative means. The applicable fees will be disclosed to you in advance each time you initiate such a withdrawal.

If your PayPal balance becomes negative for any reason, that negative PayPal balance represents an amount that you owe to PayPal. PayPal may set off these amounts from funds that are subsequently added to your PayPal account, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative PayPal balance in one PayPal account against a PayPal balance in your other PayPal account. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. Click here

Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. You received the payment for activities that violated this user agreement, PayPal’s Acceptable Use Policy or any other agreement between you and PayPal.