You're not misremembering it. He's advised it plenty of times, as evidenced by TheKatIsNowGone.
From what I understand of creating a verified PayPal account:
- You need to register an address with the account initially because "
PayPal needs your postal address because [they]
use it as your default billing address." To use an address that isn't your own would be against PayPal TOS and risks your account being frozen.
You simply can't make a PayPal account without an address, and nor can you remove the address once the account has been made without replacing it with a new primary address.
- To become verified with PayPal you need to "
add and confirm your bank account or, if you prefer, add and confirm your debit or credit card." Both options would need your registered PayPal address to match with your registered (real) address associated with either the bank account or debit/credit card. Now there are services that enable you to create a
pseudo card/virtual payment card that uses different numbers to your real card in order to protect info. PayPal have their own version of this called
PayPal Key.
To use an address that does not match the one linked to your bank account or credit/debit card simply wouldn't allow you to verify your account.
So what Phil is asking people to do, in essence, is one of two things:
To either create a PayPal account and verify it with your real info, and then change it to false info once it's verified
which is against PayPal TOS.
Or to create a PayPal account and verify it with false info, which would mean using a bank account/card/address that is not your own
which is fraud and against PayPal TOS.
There's really no way that he can spin it.
Edit: I've done a bit more reading around. Really surface level stuff. The kind of stuff Phil would be able to find if he simply Googled the exact question his viewers are asking him.
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It seems like a bit of a mixed bag. Maybe you would be able to create and verify a PayPal account and then change the confirmed address to a bogus one and change your name - and that's all Phil would be able to see seeing as he isn't processing the transaction, PayPal is. But either way, to do that is still against PayPal TOS.