Gadgetwise: A Scale That Measures Your Heart

The Quantified Self movement, which advocates measuring and tracking physiological data, has a new tool. A Withings scale not only measures your weight when you stand on it, but also your heart rate, and it sends the findings to a personal Web page and your phone.

The scale, the Withings WS-50 Smart Body Analyzer, connects by Bluetooth to Android and Apple phones through an app, as well as connecting to the Web by Wi-Fi to send your results to a Withings Web page called a dashboard. That allows you to track fluctuations over time.

The scale also calculates your body mass index. And it has a CO2 monitor, to give you indoor air quality. Elevated CO2 can raise your heart rate and affect sleep quality.

The data from your scale can be shared with other apps, and other devices can share with the Withings app. If you are using a BodyMedia monitor, your activity and sleep data can be linked to the Withings dashboard.

It connects with other devices as well, like Withings’s own blood pressure monitor and some popular apps like the exercise tracker RunKeeper.

If you don’t want to get all of those extra tracking devices, some of the data, like blood pressure, can be typed in manually. Withings doesn’t track your food intake, but will send its data to sites that do, like Daily Burn.

In a test, using the scale was a little complicated. For instance, when someone else stepped on it, the scale stopped recognizing me. It took quite a few steps to get reconnected. When reconnected, at first it wouldn’t record my heart rate (when it finally did, I was so exasperated my ticker rate was abnormally high). When it did read my heart rate again, at first it didn’t send it to the phone, and then later it did.

The Smart Body Analyzer is available online for $150.

PayPal Antifraud Measures Are Extreme, Some Users Say

Then PayPal, the online payment service that his site was using to process credit card transactions, froze the company’s account. To PayPal, the flurry of activity raised suspicions about fraud, so it told Mr. Espinoza that it was holding the money.

“They created such a massive headache,” Mr. Espinoza said. If he had not been able to take out a $500,000 loan to pay the race’s organizers, he said, PayPal could easily have put PreRace out of business.

While PayPal says that only a small percentage of its customers run into such issues, there have been enough horror stories like this in recent years to make some companies think twice about using PayPal, the most popular electronic payments service in the world.

The victims range from individual sellers to start-up companies, and from creative artists to impromptu philanthropists. They all had to scramble when PayPal decided to hold onto their money longer than expected.

PayPal, which is owned by eBay, remains the dominant global player in e-commerce, handling more than half of all Web transactions by some estimates, and it continues to grow. But some businesses who are frustrated by the company’s aggressive antifraud measures are looking at other ways to accept payments.

When it was founded in 1998, PayPal was among the first companies that allowed people to easily transmit funds to one another over the Internet. It now has 113 million users worldwide, and it says its antifraud measures are in place to protect those users from what is no doubt an army of would-be swindlers.

Katherine Hutchison, senior director of risk management at PayPal, said it has employed hundreds of mathematics scholars with Ph.D.’s who work on software to detect and prevent fraud. One potential sign of fraud, she said, is an unusually large transaction.

For example, if a merchant regularly sells items that cost $30 to $50, and then suddenly sells a $3,000 item, PayPal cannot be completely sure that the seller actually has such a valuable item in her inventory, so it proceeds cautiously to protect the buyer. “When you walk into a dollar store or a drugstore, you’re not going to buy fine jewelry there,” she said.

Another warning sign is a spike in activity, like a sudden burst of transactions in a formerly quiet account. PayPal says it has seen cases where this is a sign that a person is about to go bankrupt and is selling off all of his possessions — possibly before fleeing the country.

April Winchell, an actress and the publisher of the humor blog Regretsy, had nothing of the sort in mind last December when she decided to use her blog and PayPal to drum up donations to buy Christmas gifts for poor children. The money came in so fast — $20,000 in total — that PayPal froze her account. She ended up dipping into her own savings to buy the gifts, and only after Ms. Winchell documented the incident on her blog did PayPal apologize. It ended up reimbursing her for the donations.

Ms. Winchell is still upset with PayPal. She said she was still getting e-mails from people who ran across her blog posts and told her of similar problems with the service, including one in which PayPal suspended the account of a charity collecting donations for orphans in Vietnam. Other tales of woe are scattered across message boards on PayPal’s own site and elsewhere.

“It happens every day,” Ms. Winchell said. “It’s the most bizarre and draconian policy, and it’s really embarrassing, but they’re huge and they just don’t care.”

PayPal’s Ms. Hutchison said situations where people had to wait to access their funds were rare, affecting about 2 percent of accounts. Very few of those were extreme cases, as when an account is frozen, she said.

Ms. Hutchison added that the company was working to be more open with merchants and customers about its policies. After a reporter began asking about customer problems, she published a blog post clarifying and discussing changes to PayPal’s policies on holding funds.

Some companies are competing with PayPal by looking specifically at the headaches it sometimes causes for businesses and aiming to offer a more customer-friendly service. Bill Clerico, chief executive of WePay, an electronic payments service based in Palo Alto, Calif., said he had decided to form his company because of his own experience in 2007, during his college years, when PayPal held thousands of dollars he had collected for his work as a tutor.

“As a college kid trying to pay rent and have spending money, it was incredibly frustrating to have that kind of money tied up,” Mr. Clerico said.

PayPal Antifraud Measures Are Extreme, Some Users Say

Then PayPal, the online payment service that his site was using to process credit card transactions, froze the company’s account. To PayPal, the flurry of activity raised suspicions about fraud, so it told Mr. Espinoza that it was holding the money.

“They created such a massive headache,” Mr. Espinoza said. If he had not been able to take out a $500,000 loan to pay the race’s organizers, he said, PayPal could easily have put PreRace out of business.

While PayPal says that only a small percentage of its customers run into such issues, there have been enough horror stories like this in recent years to make some companies think twice about using PayPal, the most popular electronic payments service in the world.

The victims range from individual sellers to start-up companies, and from creative artists to impromptu philanthropists. They all had to scramble when PayPal decided to hold onto their money longer than expected.

PayPal, which is owned by eBay, remains the dominant global player in e-commerce, handling more than half of all Web transactions by some estimates, and it continues to grow. But some businesses who are frustrated by the company’s aggressive antifraud measures are looking at other ways to accept payments.

When it was founded in 1998, PayPal was among the first companies that allowed people to easily transmit funds to one another over the Internet. It now has 113 million users worldwide, and it says its antifraud measures are in place to protect those users from what is no doubt an army of would-be swindlers.

Katherine Hutchison, senior director of risk management at PayPal, said it has employed hundreds of mathematics scholars with Ph.D.’s who work on software to detect and prevent fraud. One potential sign of fraud, she said, is an unusually large transaction.

For example, if a merchant regularly sells items that cost $30 to $50, and then suddenly sells a $3,000 item, PayPal cannot be completely sure that the seller actually has such a valuable item in her inventory, so it proceeds cautiously to protect the buyer. “When you walk into a dollar store or a drugstore, you’re not going to buy fine jewelry there,” she said.

Another warning sign is a spike in activity, like a sudden burst of transactions in a formerly quiet account. PayPal says it has seen cases where this is a sign that a person is about to go bankrupt and is selling off all of his possessions — possibly before fleeing the country.

April Winchell, an actress and the publisher of the humor blog Regretsy, had nothing of the sort in mind last December when she decided to use her blog and PayPal to drum up donations to buy Christmas gifts for poor children. The money came in so fast — $20,000 in total — that PayPal froze her account. She ended up dipping into her own savings to buy the gifts, and only after Ms. Winchell documented the incident on her blog did PayPal apologize. It ended up reimbursing her for the donations.

Ms. Winchell is still upset with PayPal. She said she was still getting e-mails from people who ran across her blog posts and told her of similar problems with the service, including one in which PayPal suspended the account of a charity collecting donations for orphans in Vietnam. Other tales of woe are scattered across message boards on PayPal’s own site and elsewhere.

“It happens every day,” Ms. Winchell said. “It’s the most bizarre and draconian policy, and it’s really embarrassing, but they’re huge and they just don’t care.”

PayPal’s Ms. Hutchison said situations where people had to wait to access their funds were rare, affecting about 2 percent of accounts. Very few of those were extreme cases, as when an account is frozen, she said.

Ms. Hutchison added that the company was working to be more open with merchants and customers about its policies. After a reporter began asking about customer problems, she published a blog post clarifying and discussing changes to PayPal’s policies on holding funds.

Some companies are competing with PayPal by looking specifically at the headaches it sometimes causes for businesses and aiming to offer a more customer-friendly service. Bill Clerico, chief executive of WePay, an electronic payments service based in Palo Alto, Calif., said he had decided to form his company because of his own experience in 2007, during his college years, when PayPal held thousands of dollars he had collected for his work as a tutor.

“As a college kid trying to pay rent and have spending money, it was incredibly frustrating to have that kind of money tied up,” Mr. Clerico said.