Paypal - stop discriminating against Ghanaians.
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Yehuda Berg an American clergyman said "On one hand, we know that everything happens for a reason, and there are no mistakes or coincidences. On the other hand, we learn that we can never give up, knowing that with the right tools and energy, we can reverse any decree or karma. So, which is it? Let the light decide or never give up? The answer is both".
I am a student of Association of Chartered Certified Accountants(ACCA) and decided to join an online class I was supposed to pay with Paypal. I did not know Ghana had been blacklisted. The only payment option I had was Paypal.
PayPal in 2004 blacklisted Ghana together with Nigeria and other sub-Saharan countries due to the high incidence of credit card fraud from these countries mostly on eBay and Amazon online stores.
But even though Nigeria in 2014 was taken off PayPal’s blacklist, Ghana remains on the list. This denies Ghanaians the ability to purchase and pay for their goods and services online using PayPal. In 2013 a group of Ghanaians petitioned PayPal to delist Ghana from countries who cannot use their system.
But their request did not sail through.
Four years ago Ɔdadeɛ Darko had only 4588 supporters. He wrote the following:
Ghanaian entrepreneurs with innovative products and services, that would offer real value to buyers around the world and contribute to economic development locally, are cut off from much of the world where PayPal is a major platform for receiving payments. This has to change. PayPal can and should be a force for supporting entrepreneurs who seek a means to engage in legitimate business and are currently unable to reach potential customers around the world. This is anti-business.
Similarly, there are lots of social enterprises and charities that are working to improve lives and communities in Ghana and around Africa. These organisations that have good intentions are unable to accept donations via PayPal. All over the world, online donations have powered a variety of social innovations and charity projects. Being blacklisted means many innovative social enterprises and charities in Ghana are deprived access to potential donors. This is not progressive.
Interestingly, the business potential for PayPal in enabling transactions in Ghana is significant. Whether from Ghanaians who will be paying for goods and services online, or Ghanaian merchants who will now be able to sell products and services online or Ghanaians abroad who will make remittances to family and loved ones back home, transaction fees will accrue to PayPal.
The activities of a few suspicious individuals cannot be justification for denying many legitimate individuals, businesses and charities in Ghana the opportunity of carrying out transactions via PayPal. It is possible to keep PayPal safe and secure, as is the case in other parts of the world, without stifling economic activity.
I am by this petitioning Paypal to reconsider their position and remove Ghana from the list of countries banned from using PayPal for any financial transactions.
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