Walmart Money Card File Dispute: Fill & Download for Free

AliExpress is one of the most horrendously crooked websites I’ve run across, ever. Too frequently sellers are utterly dishonest and cheating buyers right from their listings. AliExpress representatives are no better to protect you, get your money back, or hold the dishonest sellers accountable either in any regard.You can open a dispute, but don’t expect a full refund in any timely fashion. They are lighting quick to take your money and as slow as molasses to process any type of refund. Many times the refunds never occur, and then the litany of excuses and delays follow.Routinely AliExpress will protect the dishonest sellers and you’ll be lucky to get a partial refund of your purchase amount, if anything at all. An appeal of their decision is non-existent (contrary to what their website and non-existant reps tell you). Their website has only a virtual rep to help people, and it’s as useless as a bag with holes in it. They’ll even tell you that you have to wait X amount of days after they’ve made a decision on your dispute before an option shows-up in the dispute logs for you to appeal it. I’m still waiting for that to happen on several transactions, but at this point it’s useless. Many times they have website issues and that option never appears. Even during the dispute process they have an option to submit evidence, but in many cases that icon is never even there, which makes you wonder just how honest they truly are.Your only recourse now is to print all the messages for the dispute, along with a copy of the purchase invoice and the advertised item(s), and then dispute them through your credit card company as falsely (fraudulently) advertising one product and receiving something else. Then you’ll finally get your full refund, and now you can throw-out the junk you’ve received, or smash it with a hammer and safety goggles to take-out some frustration as an exercise in futility for using their website.Honestly, any place that doesn’t take PayPal is one to avoid as much as possible, unless you really have no other option and can dispute the process later through your credit card, with lots of evidence to support your position.Too often products ordered through AliExpress arrive broken, arrive missing parts, arrive as something else not ordered, or just never arrive at all. In a few cases the products ordered have magically appeared almost 1 year later, or in a few cases, well over a year later. Tracking information is another useless thing as many sellers use fake tracking numbers to claim they shipped it to you. Then they claim the product was delivered, but tracking information shows the delivery updates are outside of your ordering date, or within 2 days of being ordered from China, and yet somehow magically appeared on your doorstep as delivered the next day. Sorry, but no-one is that stupid and gullable to believe it, not even the credit card companies.If they can’t sell a product honestly, ship it safely packed, and actually ship it, then they should stop trying to cheat people right from the get-go and stop wasting peoples time and stress.EDIT:Now working on #2 rip-off on AliExpress with another crooked seller. AliExpress reps are non-existent and they only have a useless virtual assitance, which is pretty useless and pathetic.Honestly, stick to eBay, Amazon or Walmart.

Summary (tl;dr)To become dual entity: PayPal is already a Licensed Money Transmitter and it will eventually become Licensed Bank in the coming years (with Federal Charter as issued by the OCC - Office of the Comptroller of the Currency).The Long Read...This is a great question and a tough one to answer without any insider information. I'll give it a shot nonetheless!One of the questions most frequently asked is What is PayPal? not so much for the wallet angle, but the company on the whole.Is it a payment systems operator?It is a payment network?Is it a bank?Is it a payment service provider?Is it a payment gateway?Is it an issuer?Is it a Payments Facilitator?Is it a Depository Institution?Is it an FX Broker?Is it a Credit issuing Institution?Is it a Money Transfer Company?Is it a Money Services Business?Is it a Financial Services Company?The simple answer is - it is everything listed above. PayPal's operations are huge. This comes from its progressive growth and its association with Ebay.Some key points regarding PayPal today:PayPal operates in many territories & countries (202 at last count). It has a 47 US Money Transmitter Licenses and also for District of Columbia, Puerto Rico and US Virgin Islands (See PayPal State Licenses).PayPal Europe S.à r.l. & Cie, S.C.A., is a Luxembourg bank licensed by the Commission de surveillance du secteur financier (Source: Luxembourg for Business - Proud to promote ICT)PayPal has the equivalent of a European Payments Institution license (that is what the Luxembourg bank license allows it to do)PayPal is a licensed in Australia as a Restricted Authorized Deposit Taking Institution (See: List of Authorised Deposit-taking Institutions)It has procured the necessary licensure in all the other countries and territories it is operating in. Barring the money-transfer giants like Western Union and MoneyGram and the Card Schemes (VISA, MasterCard), PayPal is the only other institution that has amassed all MSB license and/or a valid operating business license in the places it is doing business.The five change factors that PayPal is going after are:eCommerceChoiceMobile CommerceNew Form FactorsThe Digital Wallet.The key drivers for the future for PayPal hinges on many factors, but the important ones are:FlexibilityIntegration with Point-of-SalesReachPayPal it seems is doing a bit of everything. In some instances the bit of everything may be small in scale (volume/value) when compared to other incumbents, in some instances, PayPal is the incumbent.My bet is PayPal will aim at acquiring a Bank, possibly a credit union, etc. and then turn it around and obtain Federal Charter from OCC for nationwide banking.Banking provides PayPal with access to deposits and utilization of money, that otherwise it cannot touch/invest, due to the current money transmission laws. If you are looking at a parallel example, look no further than GreenDot. Many people may not realize, but GreenDot is both a Bank and a Money Transmitter License holder. (See disclaimer statement screenshot on Greendot website).Here is a snapshot on one of the States where GreenDot does have a Money Transmitter License (Texas):Each has its advantages. For example a Federal Banking license by OCC, exempts the bank from obtaining Money Transmitter Licenses. The funds/money (or unused credit) under the Banking Umbrella can be utilized and invest further, a restriction that does not apply to banks but does apply to money transmitter license holders (like PayPal has at present).Before I conclude, in the paragraphs ahead, it is very interesting to note, that Ebay does not have any money transmitter licenses.Search for Ebay in Texas for MSB Licenses yields nothing...Same scenario in California, where Ebay does not have an MSB.The Independent PayPalThe independent PayPal would definitely seek to become a Bank in the US. It is sitting on access to approximately US$ 20 Billion in unused credit (last quarterly filing by Ebay, numbers specific to PayPal (Source: Note 8 - Commitment & Contingencies - eBay Inc. - Quarterly Report)Also from the SEC filing, the following paragraphs are of prime importance - it very clearly outlines what areas of business PayPal is (via reference to the threats it perceives from the market):PayPalThe markets for PayPal’s products and services are intensely competitive and are subject to rapid technological change, including but not limited to: mobile payments, electronic funds transfer networks allowing Internet access, cross-border access to payment networks, creation of new payment networks and new technologies for enabling merchants, both online and offline, to process payments more simply. In addition, the payments industry is rapidly changing, highly innovative and increasingly subject to regulatory scrutiny, which may negatively affect the competitive landscape. PayPal faces competition and potential competition from existing online, mobile and offline payment methods, including, among others:providers of traditional payment methods, particularly credit and debit cards, checks, money orders and Automated Clearing House transactions (these providers are primarily well-established banks);providers of “digital wallets” which offer customers the ability to pay online and/or on mobile devices, including with mobile applications, through a variety of payment methods, including Visa’s Online Shopping Made Easier by Visa Checkout | Visa USA, MasterCard’s MasterPass, American Express’s Serve, Google Wallet and the Merchant Customer Exchange (MCX) initiative supported by Walmart, Target and other major U.S. retailers;providers of mobile payments solutions that use Visa, American Express and Mastercard's tokenized card data approaches and Near Fields Communication (NFC) functionality, such as Apple's mobile Apple Pay, and Google's Android solution, that uses Host Based Card Emulation (HCE) functionality to eliminate the need for a physical NFC card in the device;payment-card processors that offer their services to merchants, including Chase Paymentech, First Data, Bank of America Merchant Services, Elavon, Vantiv, WorldPay, Barclays Merchant Services, Global Payments, Inc., Stripe and Balanced, and payment gateways, including CyberSource and Home - Authorize.Net (both owned by Visa), SimplifyCommerce by MasterCard and First Data;Amazon Payments, which offers merchants the ability to accept payment card- and bank-funded payments from Amazon’s base of online and mobile customers on the merchant’s own website. Amazon has recently launched a new payment service for online merchants under the name Log in and Pay with Amazon;providers of "person-to-person" payments, that facilitate individuals sending money with an email address, such as Facebook messaging payments;providers of mobile payments, including Softcard in the U.S., Buyster in France, Mpass in Germany, Paym in the U.K., Boku and Crandy, many of which are owned by or supported by major mobile carriers; andproviders of card readers for mobile devices and of other new point of sale and multi-channel technologies, including Square (which has also begun to offer a marketplace service to sellers), Chase Paymentech, Bank of America, AT&T (in association with Vantiv), Capital One, Shopify, iZettle, WorldPay, Payleven, Groupon, SumUp and others.PayPal also faces competition and potential competition from:money remitters such as MoneyGram, Western Union, Global Payments, Inc., Xoom and Euronet;bill payment services, including CheckFree, a subsidiary of Fiserv;services that provide online merchants the ability to offer their customers the option of paying for purchases from their bank account or paying on credit, including Western Union’s WU Pay, Dwolla, Acculynk, TeleCheck (a subsidiary of First Data), iDEAL in the Netherlands, Klarna in several European countries with announced plans to enter the U.S. market, Sofortueberweisung (which recently merged with Klarna) in Germany, PayLib in France and the MyBank pan-European initiative;issuers of stored value targeted at online payments, including NetSpend, Green Dot, PayNearMe, UKash and Qiwi in Russia;other international online payment-services providers such as AliPay, the PayU group of companies (owned by Naspers), PagSeguro and Bcash (owned by Naspers);other providers of online account-based payments, such as Skrill, ClickandBuy (owned by Deutsche Telekom), Barclays Pingit in the U.K., Kwixo in France and Paymate and Visa PayClick in Australia;payment services targeting users of social networks and online gaming, often through billing to the consumer’s mobile phone account, including PlaySpan (owned by Visa), Boku, Bango and Payfone;payment services enabling banks to offer their online banking customers the ability to send and receive payments through their bank account, including PopMoney from Fiserv, which has a collaboration agreement with Visa, and ClearXchange (a joint venture among Wells Fargo, Bank of America and JP Morgan Chase);online shopping services that provide special offers linked to a specific payment provider, such as Visa’s RightCliq, MasterCard MarketPlace, TrialPay and Tapjoy;services such as Coinbase and Bitpay that help merchants accept and manage virtual currencies such as Bitcoin; andcash.Some of these competitors have longer operating histories, significantly greater financial, technical, marketing, customer service and other resources, greater brand recognition or a larger base of customers than PayPal, and may be also be able to leverage other affiliated businesses for competitive advantage or to attempt to prohibit or prevent competition from PayPal. PayPal’s competitors may be able to innovate and respond to new or emerging technologies and changes in customer requirements faster and more effectively than PayPal. Some of these competitors may also be subject to less burdensome licensing, anti-money laundering, counter-terrorist financing and other regulatory requirements than PayPal, which is subject to additional regulations based on, among other factors, its licensure as a bank in Luxembourg. They may devote greater resources to the development, promotion and sale of products and services than PayPal, and they may offer lower prices. For example, Google previously has offered free payments processing on transactions in amounts proportionate to certain advertising spending with Google. We also expect new entrants to offer competitive products and services. In addition, some merchants provide such services to themselves. Competing services tied to established banks and other financial institutions may offer greater liquidity and engender greater consumer confidence in the safety and efficacy of their services than PayPal. In addition, in certain countries, such as Germany, Netherlands and Australia, electronic funds transfer is a leading method of payment for both online and offline transactions. In the U.K., the Payments Council has announced that mobile payments between bank accounts will be broadly available beginning in 2014. As in the U.S., established banks and other financial institutions that do not currently offer online payments could quickly and easily develop such a service.The principal competitive factors for PayPal include the following:ability to attract, retain and engage both buyers and sellers with relatively low marketing expense;ability to show that sellers will achieve incremental sales by offering PayPal;security of transactions and the ability for buyers to use PayPal without sharing their financial information with the seller;low fees and simplicity of fee structure;ability to develop services across multiple commerce channels, including mobile payments and payments at the retail point of sale;trust in PayPal’s dispute resolution and buyer and seller protection programs;customer service; andbrand recognition.With respect to our online and mobile competition, additional competitive factors include:website and mobile platform and application onboarding, ease-of-use and accessibility;system reliability;data security;ease and quality of integration into third-party mobile applications; andquality of developer tools such as our application programming interfaces and software development kits.Some of PayPal’s competitors, such as Wells Fargo, First Data, American Express, WorldPay (The Royal Bank of Scotland) and Synchrony Financial (formerly, GE Capital Retail Bank), also provide processing services to PayPal. If PayPal were to seek to expand the financial products that it offers, either alone or through a commercial alliance or an acquisition, these processing relationships could be negatively affected, or these competitors and other processors could make it more difficult for PayPal to deliver its services.Source: Page 81/82: eBay Inc. - Quarterly ReportConclusionPayPal is not a singular product or services company anymore. It is a global player, with vested payments and banking related services interest in multiple areas. From wallets, to bitcoins, to money-transfer services, to banking to issuing, to acquiring, etc. PayPal is doing all these things in one form or the other.In order for PayPal to compete in the global marketplace of financial services for payments, acquiring, issuance and processing, it needs to cement itself in its primary market as an established bank, and this is the path (in my opinion) that PayPal will most likely follow.PayPal's cost of financial management via the current banking partners it has is quite high, not to mention the banks are also privy to the deep transaction analytics of payments that are being processed through them. PayPal would like to take this away from the banks, who also are in some way, shape or form, becoming competitors.If PayPal is able to acquire a license (which would take about two years), they would position themselves much better from lower costs of processing and escrowing the transactions on behalf of their customers as well as be able to compete head-on with what PayPal has most correctly identified their true threats, i.e. the very banks PayPal is working with.Source for MSB Searches:California: California Department of Business OversightTexas: Texas Department of Banking

Master List to Buying Discounted Gift CardsI wrote this list because I’m very interested in the best way to get discounted gift cards, particularly using bitcoin. This link-packed article is intended for people looking for the best-kept secrets on the web for buying bulk Amazon, Walmart, Best Buy and other national brand gift cards at the highest discounts—accounting for speed, quality, volume and risk.Table of ContentsExecutive Summary1. Buy gift cards on marketplaces2. Buy gift cards with bitcoin3. Fill out online surveys for gift cards4. Buy directly with people online5. Buy directly with people offline6. Arbitrage gift cards on Amazon7. Swap other gift cards for Amazon8. Buy gift cards from retail stores9. Earn gift cards for online work10. Daily deals websitesBonus KnowledgeExecutive SummaryThis article covers some of the many ways to buy discount gift cards. We focus a lot of attention on Amazon gift cards since they are the largest retailer in the world and has the 2nd most gift cards in circulation. We have either purchased or researched in depth most of the sites on this list to come up with some conclusions about the fastest, safest and cheapest places to buy discount gift cards. Please remember, there is no one best place to find gift cards, the goal is to give you options.The lowest-risk gift cards with the lowest discounts are directly from that brand and at grocery stores and other retail locations (CVS, Safeway, Walgreens, etc). You will also find these 0% offers from 3rd party e-code generators like eGifter and BitPay. You can usually buy instantly and they are guaranteed forever.Slightly higher risk are the old-school secondhand gift card exchanges like CardCash, CardPool, Raise and others. They offer very small savings up to 5% off the top brands. You can pay with a credit card and they guarantee the card for up to a full year so you can gift them as gifts much easily.The highest discounted gift cards are on peer-to-peer bitcoin marketplaces with users from many different countries, like Paxful and LocalBitcoins. This also comes with the most risk and the highest amount of work. These platforms have lower regulation and majority of the trades are conducted in non-USD currency.Finally, there is an emerging category of crypto gift card exchanges that also use bitcoin to offer the same discounts as peer-to-peer marketplaces, but they have more advanced protections in place for buyers and sellers. Sites like Redeeem and Purse fall into this category because they can offer larger discounts on gift cards and other products but they use technology to cut out the negotiating. Cards are guaranteed for minutes, hours or days here, so this isn’t the best for gifting.Your savings (and profit margins) will depend largely on your risk tolerance, length of time you are willing to get paid, country where you are located, capital available, ability to buy alternative forms of currency (like bitcoin), the ability/willingness to ship physical products, overall time commitment, and many other factors.1. Buy gift cards on marketplacesRedeeem (#1) Save 20% or more on bulk Amazon, Walmart and Best Buy gift cards with auction-style pricing. They and have great reviews, and the best fraud prevention software, and AMAZING support! Overall this is my #1 pick by far. You must use bitcoin.CardPool. Save 3-5% on hundreds of brands, including Best Buy, Target, iTunes and Lowe’s. They send the card directly to your email inbox or via USPS in 3-7 days.CardCash. Gift card marketplace that buys unwanted gift cards for less than their value and resells them at a discount to savvy shoppers across the country. Save 3-5% on hundreds of brands, very similar to CardPool.Gift Card Granny. This is a nice resource because they link to the sites that have the best deals, unfortunately they don’t index many of the bulk discount sites.Raise. One of the biggest in terms of volume. Discounted gift cards to hundreds of national brands such as Target, Southwest, Uber, Home Depot, etc. However, discounts are minimal here, ranging from 0-3%.CardCookie. A great site with great potential—currently offering 5-10% discounts but not very high volume yet. Keep them bookmarked.2. Buy gift cards with bitcoinBitPay. Raised over $72 million from investors, they’re the largest bitcoin payment processor. Download the app to buy Amazon e-codes fast at 0% discount.Redeeem. Redeeem again looks like the winner in the category with high discounts. Unlike Paxful or LocalBitcoins, they validate and guarantee every gift card sold on the platform and have an easier buying experience. Definitely the safest and best discounts.Paxful. With 300+ currencies to trade, Paxful’s peer-to-peer platform with millions of users in Africa offers likely the best discounts for gift cards, but there are a lot of scammers (and yelling) so be careful. You may find yourself with a lot of stolen/invalid cards and trade disputes with money at risk.LocalBitcoins. LocalBitcoins lets you buy and sell bitcoin in over 248 countries. Like Paxful, this comes with high risk and high reward. Every trade starts with a listing, similar to Craigslist, and the platform is strictly peer-to-peer.Purse. Save 10% or more on Amazon when you pay with bitcoin, or dropship products (including gift cards) to people to earn bitcoin.CardBazaar. An online secondhand gift card marketplace where you can buy and sell unwanted gift cards for cash or bitcoin.Bidali. A bitcoin payment processor that competes with BitPay and offers full-priced e-codes from Amazon and other retailers.eGifter. One of the best way to buy eGift cards quickly for friends, family and yourself without hassle. Choose from hundreds of top national brands. You can personalize your gift with an animated greeting card, photo or video greeting.3. Fill out online surveys for gift cardsSurvey Junkie. offers a massive inventory of paid surveys. Each survey is assigned a point value (most between 100-200 points) and estimated completion time. Once you accrue 1,000 points (around $10) you can cash out with a gift card.Beer Money on Reddit. This a Reddit group dedicated to making some cash on the side. Don’t know much about it.PointClub Surveys. You can earn points for completing paid online surveys. When you have enough points, you can redeem them for cash or the gift card of your choice. Gift cards can either be digital or real cards sent to you. It's that easy!OpinionOutpost. You can earn cash and rewards for the time you spend taking online surveys with points you can redeem for cash or gift vouchers to popular brands.4. Buy directly with people onlineReddit. Reddit is used by a ton of gift card traders, but you have to be familiar with the platform and have some karma on there before using it seriously, otherwise your listings will just get filtered out by their algorithms. If you go in there moving quickly without reading their rules carefully you will likely get banned.5. Buy directly with people offlineCraigslist. As you probably know, you can get anything on Craigslist. But like Paxful and LocalBitcoins, it requires a lot of negotiating and there are scammers galore. The only deals worth doing are small volume with trusted local partners.Facebook Marketplace. Although this wouldn’t be my first choice due to the randomness, there are a lot of gift cards on Facebook Marketplace—a growing platform.eBay. Older than time itself, eBay does millions of dollars a day in gift card volume. They are fairly warm to buying and selling physical gift cards but they are cracking down on e-codes. The downsides here are shipping costs and eBay/PayPal fees which add up to over 10%. There are also a lot of international buyers on eBay taking advantage of currency exchanges, which inflates prices of gift cards above their face value. It’s an expensive place to find gift cards—but always there.6. Arbitrage gift cards on AmazonAmazon is unique in a lot of ways. One way in particular is that they let you buy other brands of physical gift cards with your Amazon credit balance—such as Nordstrom, Southwest, Nike, Starbucks, Google Play, iTunes, Best Buy, Lowe’s, Sephora, Hotels.com - Deals & Discounts for Hotel Reservations from Luxury Hotels to Budget Accommodations and dozens more.This opens the door for people to buy gift cards on Amazon and then sell them to CardCash, CardPool, Raise, Paxful, Reddit, LocalBitcoins, Redeeem, etc. The risk, believe it or not, is that Amazon loves shutting down people’s accounts with gift card balances frozen inside. So don't let your balances get too high and try to mimic normal behavior that doesn’t make you look like a large dropshipping business (ie, ship to yourself, buy other products too, have a real phone number and billing address on file, etc). There are also hard quantity limits on how many gift cards you can buy for each SKU on Amazon.Your profit margin will depend on how you get Amazon credits, your ability to keep your Amazon accounts in good health, and the rate at which you sell your cards to gift card marketplaces (some let you choose your own rate, others have fixed rates), and the speed and method you want to get paid (check, ACH, bitcoin, PayPal, etc).7. Swap other gift cards for AmazonCardCash Amazon Exchange. This is a cool resource that CardCash built alongside Amazon to allow customers to swap out other national brands for Amazon e-codes for a small fee. The rates are comparable to what they have on the main CardCash website and the e-codes are delivered within 24 hours. It’s a cool way to jump from one brand to another if you want Amazon gift cards in particular and have another.8. Buy gift cards from retail storesRetail Stores. There are hundreds of physical retail store locations where you can buy physical gift cards in person (the link points to Amazon retail locations). You pay full retail price but it’s fast, safe and reliable—and you can earn 3-5% cash back with certain credit cards like Amazon Prime card.9. Earn gift cards for online workMechanical Turks. Amazon Mechanical Turk (MTurk) is a crowdsourcing marketplace that makes it easier for individuals and businesses to outsource their processes and jobs. This will require a lot of work, but you can get paid in Amazon gift cards.Swagbucks. You can redeem a Amazon Gift Cards by using the Swagbucks you earn through playing, searching, discovering, answering, watching or shopping on websites that are trying to sell you things. Not very profitable but can be fun.10. Daily deals websitesGroupon. Although not as popular as when it first launched in 2009, Groupon is still used by millions of people to get discounts on stores, experiences and even gift cards like Amazon, Walmart and Best Buy. There is also a gift certificate category that has similar offers (sorry, we couldn’t find anything similar on Living Social).Amazon Daily Deals. Amazon has daily deals on many categories of products as high as 20% discount. On some occasions they will slash prices on gift cards.Amazon Treasure Truck. Amazon has a Treasure Truck that they drive around many of their Whole Foods locations they use to promote Amazon Video shows and offer 10% discount deals on food, clothing and tech.Gift Cards.me. Simple app, good reviews, worth a try. The discounts aren’t very spectacular, but they claim to have fast gift card delivery.Nimble Commerce. Not sure how long they’ll be around, but worth a shot.Bonus KnowledgeOn the back of your gift cards, check all the stores where that brand is accepted. For example, gift cards for Gap also work at Old Navy, Banana Republic, Athleta and Piper Lime. Walmart gift cards work at Sam’s Club, Amazon gift cards work at Whole Foods, and Albertsons gift cards work at Safeway, Vons and a dozen other grocery store chains in the same family. Make sure you know these sister-store policies before you buy a brand.One limitation you may find with many stores like Amazon, Walmart and Best Buy is they have per-product purchase limits. Obviously you can create new accounts or ask friends and family to buy products for you, but some products have gift cards under many different SKU numbers—like a Christmas and Birthday version. There are also limits set for each of these individual items, not the gift card category as a whole.Finally, based on the U.S. government regulations, the maximum amount of gift cards that can be purchased in a 24 hour period by a single person $10,000. So please keep this in mind when you are out there shopping.Good luck and happy trading!Bonus ResourcesBuy bitcoins at lowest fee:https://www.quora.com/Where-can-I-buy-Bitcoin-at-the-lowest-feesBest bitcoin exchanges:https://www.bestbitcoinexchange.io/Buy Amazon vouchers using bitcoin:https://blog.bitrefill.com/its-here-buy-amazon-vouchers-with-bitcoinHow to buy amazon gift cards using bitcoin:https://www.reddit.com/r/BitcoinBeginnersLearn more about dropshipping:https://www.reddit.com/r/dropshipBuy Amazon gift cards with BitPay:https://www.redeeem.com/pages/bitpayKraken bitcoin verification tiers:https://support.kraken.com/hc/en-us/articles/201352206