Keep credentials confidential and contact details current
You must keep confidential any credentials used to access your Venmo account and the services, and keep your phone number, email address and other contact information current in your profile.
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Keep confidential any credentials used to access your Venmo account and the Venmo services.
You must keep your phone number, email address and other contact information current in your Venmo account profile.
Security & Safeguards · Company practice
Account and withdrawal reviews can require ID documents and limit access to your money
PayPal reviews account and transaction activity at various times, including when you start a withdrawal, checking for suspicious or illegal activity and whether your activity, and that of people you or a Teen User transacted with, complies with the agreement. You may be asked for more information or documents to verify your identity, and PayPal may limit your account and access to money in it or sent to you (or a Teen User) until verification is done.
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Withdrawal reviews
We review account and transaction activity at various times, including when withdrawals (transfers to your bank) are initiated.
This review checks for, among other things, suspicious or illegal activity, and whether your Venmo account activity and the activity of users with whom you (or a Teen User) have transacted comply with this agreement.
We may limit your Venmo account and access to the money in it or that is sent to you (or a Teen User) until verification is completed.
Security & Safeguards · Company practice
High-risk merchant payments are held for review, which can delay shipping or cancel the order
PayPal reviews payments at its discretion. If a payment to an authorized merchant looks high-risk, PayPal holds the transaction and tells the merchant to delay shipping, which can delay your item. If cleared, the merchant is told to ship; if not, PayPal cancels the transaction and returns your money unless it is legally required to take other action.
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Payment review
When we identify a potentially high-risk payment to an authorized merchant, we review the transaction more closely before allowing it to proceed.
When this happens, we will place a hold on the transaction and notify the merchant to delay shipping of the item.
If we don’t clear the transaction, we will cancel it and return the money to you, unless we are legally required to take other action.
Qualifications & exceptions
Money is returned on cancellation unless PayPal is legally required to act otherwise.
Security & Safeguards · Restriction or exception
Sellers must keep buyer data confidential, secure and limited to Tap to Pay
Buyer information you get from PayPal must be kept confidential, stored securely and used only for Tap to Pay. You are responsible for securing data you hold from using Tap to Pay and must follow privacy and data laws covering personal, financial, card and transaction data, including direct marketing, telemarketing and unsolicited email or text rules.
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Information you receive from us about your buyers must be kept confidential, stored securely, and only used for the purpose of Tap to Pay.
You are responsible for the security of data in your possession or control as a result of using Tap to Pay.
Security & Safeguards · Restriction or exception
Tap to Pay sellers must stay PCI DSS compliant and may be audited after a suspected breach
You must comply at all times with PCI DSS and PA DSS as applicable and avoid anything that could make PayPal non-compliant. If PayPal believes a security breach or data compromise has occurred, it may require you to have an approved third-party auditor audit your systems and facilities.
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You agree that at all times you shall be compliant with the Payment Card Industry Data Security Standards (PCI DSS) and the Payment Application Data Security Standards (PA DSS), as applicable
If we believe that a security breach or compromise of data has occurred, we may require you to have an approved third-party auditor conduct a security audit of your systems and facilities.
Security & Safeguards · Restriction or exception
Restricted: overloading or disrupting systems, malware, scraping, anonymizing proxies
You must not impose unreasonable or disproportionately large loads on Venmo's systems; facilitate viruses, malware or other harmful code; use an anonymizing proxy; use robots, spiders or manual processes to monitor or copy Venmo's websites without written permission, or bypass robot exclusion headers; interfere with or disrupt Venmo's systems or other users' use; or take actions that may cause PayPal to lose services from its internet providers, payment processors or other suppliers.
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Take any action that imposes an unreasonable or disproportionately large load on our websites
Facilitate any viruses, trojan horses, malware, worms or other computer programming routines
Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers;
Interfere or disrupt or attempt to interfere with or disrupt our websites
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;
Security & Safeguards · Procedure
Check your statements and transaction notices to catch unauthorized activity
To protect yourself, you should regularly log in and review your account statement and any Teen Account statement. PayPal notifies you of each transaction by email to your primary address and/or a feed story, depending on your preferences, and you should review those notices to make sure each transaction was authorized and correct.
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you should regularly log into your Venmo account and review your Venmo account statement, including any Teen Account statement
We will notify you of each transaction by sending an email to your primary email address on file and/or creating a story in your feed, depending on your preferences.
Security & Safeguards · Context
An Unauthorized Transaction is money sent without your authorization and without benefit to you
An Unauthorized Transaction occurs when money is sent from your Venmo account that you or a Teen User did not authorize and that did not benefit you or the Teen User, such as a payment sent by someone who stole your password and logged in.
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What is an Unauthorized Transaction
An “Unauthorized Transaction” occurs when money is sent from your Venmo account that you or a Teen User did not authorize and that did not benefit you or a Teen User.
Security & Safeguards · Restriction or exception
Sharing your login makes you responsible if that person goes beyond what you allowed
Not Unauthorized Transactions: if you or a Teen User give someone your login and they exceed the authority you gave, you are responsible for those transactions unless you previously told PayPal you no longer authorize transfers by that person. Payment invalidations and reversals under Refunds, Reversals and Chargebacks are also not Unauthorized Transactions.
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What is not considered an Unauthorized Transaction
The following are NOT considered Unauthorized Transactions:
You are responsible for transactions made in this situation unless you have previously notified us that you no longer authorize transfers by that individual.
Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks.
Security & Safeguards · Procedure
Report lost logins or unauthorized transfers at once, or you could lose all the money in your account
If you think your or your Teen User's login was lost or stolen, contact Venmo customer service immediately, call 855-812-4430, or write to PayPal's Venmo Error Resolution Department in Omaha. Tell PayPal at once about an electronic transfer made without permission or a lost, stolen or deactivated Venmo-activated phone; the agreement warns you could lose all the money in your account. You must report Teen Account issues yourself.
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Reporting an Unauthorized Transaction
immediately or call: 855-812-4430 or write: PayPal, Inc., Attn: Venmo Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950.
Tell us AT ONCE if you believe that an electronic fund transfer has been made without your or your Teen User’s permission using your respective login information or by other means
You could lose all the money in your Venmo account.
For suspected Unauthorized Transactions on Teen Accounts, you must report these to us following the instructions above.
Security & Safeguards · Restriction or exception
A bank chargeback is not notice to Venmo of an Unauthorized Transaction
Filing a chargeback or reversal with your bank or card issuer for a Venmo payment does not count as notifying PayPal of an Unauthorized Transaction. You must contact Venmo directly through customer service, by phone at 855-812-4430, or in writing to the Venmo Error Resolution Department.
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Filing a chargeback or reversal with your financial institution related to a Venmo payment does not constitute notice of an Unauthorized Transaction to us.
You must contact us directly to notify us of Unauthorized Transactions by
Security & Safeguards · Context
Fraud warning: money sent to scammers or the wrong person may not be recoverable
The agreement warns that fraud is a risk, especially with people or businesses you do not know and trust; if something seems off, do not complete the transaction, because money sent to the wrong person or to a fraudster may not be recoverable. It lists common scams (fake buyer payments, fake accidental payments asking for a refund, phishing posing as Venmo, relative-in-need, lottery or prize, fake debt collectors, and employment scams) and asks you to educate Teen Users about them. For goods-and-services sales it advises asking buyers to mark payments as purchases.
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Consumer fraud warning
If you send money to the wrong person or fall victim to fraud, there is a danger that you may not be able to recover your funds.
If you have Teen Accounts, educate your Teen Users about these scams as well:
When accepting payments for goods or services, ask the buyer to mark the payment as a purchase transaction.
Accidental Payment: a scammer sends you a fraudulent payment, claims it was accidental, and asks that you return their money.
Phishing: a scammer sends forged or faked electronic documents or emails falsely claiming to be Venmo or coming from Venmo but asks you to send money outside your Venmo account.
Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money.
Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money to claim it.
Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation.
Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment.
Security & Safeguards · Procedure
Send money only for yourself, verify recipients, and report scam attempts
Use common sense, send money only for yourself and not for others, verify the recipient's identity before finalizing, and tell PayPal immediately if you believe someone is trying to scam you. Once a transaction completes, your money may not be refunded, so double-check the recipient and legitimacy first.
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Only send money for yourself and not for others. Be sure to verify the recipient’s identity before finalizing a transaction.
Once a transaction is complete, there is a danger that your money may not be refunded.
Security & Safeguards · Restriction or exception
You must keep personal data secure and avoid causing PayPal to breach privacy laws
Applicable privacy and data protection laws include associated regulations, regulatory requirements and codes of practice. In complying with them, you and any Teen User must implement and maintain appropriate security measures when processing personal data and must not knowingly do or allow anything that might cause PayPal to breach those laws.
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The privacy and data protection laws that may apply include any associated regulations, regulatory requirements and codes of practice applicable to the provision of the services described in this agreement.
In complying with such laws, you and any Teen User will:
implement and maintain all appropriate security measures for the processing of personal data; and
not knowingly do anything or permit anything to be done which might lead to a breach of any privacy data protection laws by us.