Opt-in means the “property of having to choose explicitly to join or permit something.” It means that a company must get express permission from its customers before sending them or offering them anything especially new debit cards with access to their bank accounts and money.

“Opt-in” is the only appropriate and ethical way for a company to provide any “benefit” to its customers. This is especially egregious for a financial institution and payment processor like PayPal. The very idea that customers should be asked for permission first, before being offered any new “benefit,” seems completely alien to PayPal executives. It requires customers to close a card they didn’t want or request in the first place. This is a dreadfully inadequate attempt at providing an “opt-out” for customers. It was obscured to escape quick detection by customers. In PayPal’s first six-paragraphs-long email (see screen-shot below), buried deep inside a larger paragraph at the bottom of the email, in non-bolded wording, was this sentence: “If you decide not to use it, you can close the card.” The “close the card” phrase was linked in barely distinguishable light blue color. I checked the PayPal emails history and carefully reviewed each one. When you order the PayPal Cash card new features are added to your PayPal account. There is no charge for the Cash card and no monthly fee. There is direct deposit for the PayPal Cash debit card. This is a dreadfully inadequate attempt at providing an “opt-out” for customers. Apr-09-2018 03:13 PM There is no direct deposit option for the PayPal Business debit card. Puzzled how this is possible and wondering if PayPal executives have lost their minds, I started to investigate what happened. Today, the PayPal Business Debit Mastercard I did not want and did not ask for arrived. Nowhere did the email allow me to decline, refuse, or opt out of receiving this card. It again hyped the many benefits of the new debit card. It prompted me with bolded messages to “Watch your mail” and “Activate it promptly.” It included a big blue button to “Activate” it. Two days later, PayPal sent a third email (see screen-shots below) letting me know that “A new card was mailed to you today.” It indicated it would arrive in 7 to 10 business days. That’s strange, I thought, why would they send this when I didn’t request it and didn’t give them permission to issue it? Who would do such a thing, in 2019 no less?Ī day later, PayPal sent me an “Account Update” email which told me how much I can spend with my new “PayPal Business Debit Mastercard®” and how much of my balance I can withdraw per day at “ATMs displaying the Mastercard®, Maestro® or Cirrus® acceptance marks.” Again the email provided no option to either accept or decline this card. Never imagined that PayPal would actually send it to me without my specific request or approval. Figured it was just another marketing email notifying customers of features available. I briefly scanned the first email and moved on. No clear option to opt in or opt out was evident anywhere.

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