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A comment on PayPal and zero-dollar invoice spam. Parent comment

Re:PayPal and zero-dollar invoice spam by pcooney10 on Friday January 15, 2016 @05:10PM (#10912580)
Do you think they're running loads of security tests all the while or something? I'd imagine a majority (if not all) of the checks are done up front- especially given it's 2015.

Pretty sure they get a nice bump on their balance sheet for cash "in-transit" - and keeping the timeframe to 3-5 business days only magnifies that effect.

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Re:PayPal and zero-dollar invoice spam by tomlongson on Friday January 15, 2016 @09:02PM (#10913831)
It's not about balance sheets, it's about having time to cope with any unexpected problems with the transaction, like fraud.

It's frustrating, and ideally not necessary, but it's essentially a safety net for the middle party.

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