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eBay "educational" credit
I listed a 1998-S SMS 50c MS69 on eBay as a featured listing for $19.95 more.
The winning bidder made 5 bids on it with a feedback of (3) and didn't pay. I got my final fee credit, but since I paid $20 extra to get the flake to bid on it, I called eBay to compain about the $19.95
At first he said there was nothing he could do, but then said they allow a once in a lifetime "educational" credit so he gave me my $19.95 back.
So if this ever happens to you, give them a call.
BTW: My coin sold for $256 and I saw another one close at $296 so that featured listing really worked out well

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since 8/1/6
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according to your results, I should be checking those featured items.
2 Cam-Slams!
1 Russ POTD!
Collector since 1976. On the CU forums here since 2001.