How money moves on this rail, in 12 sourced records: what is final, what can be returned, recalled or refunded, who decides, and what the limits are. A profile belongs to the rulebook, so no reason code list is published on this page.
On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.
Not yet covered: only three regional user agreements were read (US, UK, Ireland); the Canadian, Australian, Asian, Latin American and other regional agreements and their protection programs are not covered; the PayPal Balance Terms and Conditions, the Commercial Entity Agreement, the fee pages and the Acceptable Use Policy were not read, so no fee amount and no balance-account rule beyond the user agreement is asserted; the laws the agreements invoke (the Electronic Fund Transfer Act and Regulation E, the Fair Credit Billing Act, the UK Payment Services and Electronic Money Regulations, EU payment services law) were not read; consumer statements rest on how the agreements state them; PayPal does not publish how it settles the funding leg or its internal ledger, so settlement mechanics beyond the legal nature of the balance are not stated; Venmo, Braintree card processing, PayPal Credit and Pay Later, Xoom and cryptocurrency services are outside this rail.