Question regarding chargebacks...

mr1931S

Can a chargeback be done on ones Paypal account if the ebay buyers purchase was made using Paypal but NOT by using a major credit card?

Russ

Yes.

Russ, NCNE

SUPERCARCOINS

paypal told me a chargeback could occur anytime depending on circumstances - there are some GIANT threads dealing with this problem ..........anytime

mr1931S

Have not had a chargeback on my "personal" Paypal account yet. All my ebay customers so far have been decent folks, happy with their purchases.

It occurs to me, however, that some crook could eventually try to pull a fast one on me using Paypal. I get kind of nervous about shipping an item purchased using Paypal to an unverified by Paypal address. The exception would be I have no problem shipping to a customer with an unverified address with whom I've had satisfactory dealings before.

So, I have shipped to customers with unverified address and not had any problem yet but am I correct in assuming that it would be easy for a Paypal paying crook to burn me by falsely claiming to PayPal that merchandise never received (I sent item to an unverified address) and then is able to do chargeback on my personal account?

JrGMan2004

If that happened, then it'd be on you to provide proof that you shipped the item... I.E. a copy of the reciept from the post office, or the Insurance Reciept from when you sent it... etc. etc.

Russ

<< <i>So, I have shipped to customers with unverified address and not had any problem yet but am I correct in assuming that it would be easy for a Paypal paying crook to burn me by falsely claiming to PayPal that merchandise never received (I sent item to an unverified address) and then is able to do chargeback on my personal account? >>



Yes.

Russ, NCNE

mr1931S

Okay, so it would not be easy to get taken via PayPal if I have documentation to produce for PayPal eyes, proving that I shipped the item. That's what I wanted to hear.

Also, it seems that insurance paper would be the best documentation for a seller to have.

ziggy29

<< <i>Okay, so it would not be easy to get taken via PayPal if I have documentation to produce for PayPal eyes, proving that I shipped the item. That's what I wanted to hear. >>

It would be even easier to avoid being taken if you don't ship to unconfirmed addresses. For anything over about $20-$50, depending on feedback history of the buyer, I refuse payments from unconfirmed addresses, and specify such in my terms.

mr1931S

"It would be even easier to avoid being taken if you don't ship to unconfirmed addresses."

I agree with this but it seems that no matter how specific you are in your auction terms about not wanting to ship to an unverified address, you invariably get winning bidders who want to pay using PayPal. You then find out that the shipping address is unverified by PayPal. Happens more often than not has been my experience.

Millertime

I always try to have my purchase shipped to an unconfirmed address (my work). I want to see my coins right away and on any package that requires a signature there's always someone to sign for it. I've offered to send whatever information a seller would want to feel comfortable shipping to an unverfied address (verfied address, phone numbers). They say that in order for the PayPal protection to be valid it has to go to a verifed address. If I add the insurance (which I always do) then doesn't the post office cover anything lost? What does PayPal protection cover versus the post office?

I had one auction that I thought was for a California Fractional Gold piece. After I received it I researched it a little more online and discovered that I had bought a fake. I reread the auction and decided that it was my screwup, there was not mention of genuine or a value. I didn't even consider trying to do a chargeback and or leaving negative feedback. I just left a generic "Received coin as pictured" for the feedback.

mr1931S

"I reread the auction and decided that it was my screwup, there was not mention of genuine or a value."

By conducting an ebay auction, seller "certifies" that item offered is authentic and accurately described. I don't think "omissions of fact" qualify as certification. Not your screwup. You are being too nice.

K6AZ

To protect yourself from chargebacks, you have to follow these terms closely:

Ship only to confirmed addresses

Get delivery confirmation on anything under $250

Get signature confirmation on anything over $250

If you accept PayPal (and it doesn't matter if it is a CC or instant transfer) and you don't follow the above rules for the seller protection, you will be out the entire amount if the buyer files for a PayPal reversal.

Millertime

<< <i>By conducting an ebay auction, seller "certifies" that item offered is authentic and accurately described. I don't think "omissions of fact" qualify as certification. Not your screwup. You are being too nice. >>



Probably, the item was $20 and if I wasn't so impatient and spent the 20 minutes researching it before I bid then I would have discovered that it was fake and wouldn't have even bid. I guess I consider it a lesson and hopefully I don't do that again.

Mintstate

<< <i>"It would be even easier to avoid being taken if you don't ship to unconfirmed addresses."

I agree with this but it seems that no matter how specific you are in your auction terms about not wanting to ship to an unverified address, you invariably get winning bidders who want to pay using PayPal. You then find out that the shipping address is unverified by PayPal. Happens more often than not has been my experience. >>



If you want to, you can set your preferances in Paypal to only accept payments from confirmed addresses.

ebaytrader

<< <i>To protect yourself from chargebacks, you have to follow these terms closely:

Ship only to confirmed addresses

Get delivery confirmation on anything under $250

Get signature confirmation on anything over $250

If you accept PayPal (and it doesn't matter if it is a CC or instant transfer) and you don't follow the above rules for the seller protection, you will be out the entire amount if the buyer files for a PayPal reversal. >>




These are the published PayPal guidelines for protecting oneself against fraud. PayPal will absolutely charge back to the seller anytime PayPal gets defrauded regardless of the guidelines published. Go to PayPalsucks.com and read #3 carefully. PayPal has 'unpublished' rules so that they can cover their financial tails if they get taken.