QUESTION FOR EXPERIENCED EBAY SELLERS

CHESSNUTDOG

I received an instant payment from a buyer via paypal. On the notification it states "address status unconfirmed". I went to the details on the paypal website and it states....Seller Protection Policy-inelgible. Then it again states shipping address unconfirmed, but the the last thing it says the sender of this payment is VERIFIED. Somebody please break this down in laymans terms. Is it ok to ship this coin?...thanks, Mike

solid

I believe the fact that the USER is verified means that paypal verified his
banking account.

Their ADDRESS being unconfirmed means that he is asking you to ship to an
address that is different than the address listed for their credit card.

You should base your decision on ebay feedback, paypal rating, value of
the coin, etc.

I have shipped numerous times to unconfirmed addresses (usually PO Boxes),
with no problem.

If you do ship to an unconfirmed address, you lose the Paypal Seller Protection,
whatever that is.

Ken

Tassa

I've never had any problems shipping to an unconfirmed address and when I purchase anything through Paypal, I have it shipped to an unconfirmed address-my P.O. box.

lordmarcovan

It means PayPal doesn't like the flavor of that person's credit card and no matter what they try to do to fix the problem, PayPal will simply tell them to "try another card". So unless they have a wallet full of credit cards, they're stuck with an "unconfirmed" address, despite being "verified".

This is my situation, despite having used PayPal for years. I tried several times to fix the "unconfirmed address" gibberish but never got anywhere.

LindeDad

It can also be something as trivial wether or not your middle initial is in one or the other. Send it insured and then you don't have to worry as much.

DNADave

Email the buyer and ask him to confirm his address with Paypal. I've done that before with no problems. My feebay Id is pcrdnadave, you can decide if I'm an "Experienced" seller.

BigD5

Regardless of the situation with the "unconfirmed" status, if you read the paypal policy regarding this situation, you will not be seller protected in case of fraud in this transaction.

Some may scoff at this, but I ship ONLY to paypal users with confirmed addresses.

If you run into a glitch with the transaction and the buyer decides to do a paypal chargeback, you are out the money, without any recourse through paypal, and will then have to prove your case (whatever the circumstances may be) before you will be able, if you would be able, to get your money back from Paypal.

You can change your paypal payment acceptance terms to only accept paypal payments from users with confirmed addresses through your Preferences with Paypal.

K6AZ

Mike, Verified in PayPalese means they have confirmed a bank account with PayPal. The uncofirmed address could be many things, some legit and some not legit. The bottom line is if you accept this payment, and the buyer files for a reversal, you will lose the money. In cases like this, you really need to look at their track record on eBay. If it is someone with zero or very low feedback, be very careful.

Russ

If you ship to an unconfirmed address and a chargeback is filed, you're screwed - even if they have the merchandize and have signed for it. It's just like a merchant who accepts credit cards and ships to an address other than the billing address. The seller is on the hook.

All those who do this and have "never had a problem" will change their tune real quick when they get hit with fraud. And, don't think it won't happen. Sell on the web long enough and sooner of later some slimeball will try.

Russ, NCNE

BigD5

Ditto what Russ said. Exactly what I was thinking, but he typed it much better.

That said, with regular customers I WILL ship to an unconfirmed address, as I'm not worried about a fraud or chargeback situation.

hamiltonjh

I'm "Unconfirmed" because I didnt do the bank information thing. I have a credit card on file. But, I'm "verified" as far as a user goes.

That might not help, but sellers have received the $$ and I've received the coins in every case (not that I buy that many), even when I was overseas.

au58

This arrangement is a ploy by Paypal to make you commit to using more of their services. They have so many caveats that unless you follow ever letter of their requirements, they have no obligation to you if there is a problem.

ebaytrader

Shipping to a confirmed address in not a guarantee that a sender is protected from a charge back.

mercurynut

I refuse to register a credit card with Paypal so I am verified with an unconfirmed address. I have never had any problems buying or selling via Paypal.

Russ

<< <i>This arrangement is a ploy by Paypal to make you commit to using more of their services. They have so many caveats that unless you follow ever letter of their requirements, they have no obligation to you if there is a problem. >>



The confirmed address requirement for seller protection is no different than that required by credit card processing services used by internet merchants. It isn't some ploy by PayPal, it's a mandate from the credit card companies to try and reduce fraud.



<< <i>Shipping to a confirmed address in not a guarantee that a sender is protected from a charge back. >>



True, anybody can file a chargeback any time. But, if the seller ships to the billing address and can prove receipt, he will win the dispute.

Russ, NCNE

K6AZ

<< <i>True, anybody can file a chargeback any time. But, if the seller ships to the billing address and can prove receipt, he will win the dispute. >>



Not necessarily, especially dealing with PayPal. While hard to do on certified coins, on other high ticket items such as computers and cameras, the latest buyer scam is to file a claim with their credit card company for "significantly different than described". If you hold a merchant account and take cards directly, you have a chance to fight these types of chargebacks. If you take PayPal, you are basically screwed. PayPal will not fight these regardless of what they claim. It's why I don't take PayPal on my computer/consumer electronics items.

Proofquarter

My mailing address is VERIFIED but my shipping address was UNVERIFIED. Same address but I had a typo in the shipping address and I made the change. It could be a simple typo.

Conder101

I'm in the same boat as Mercurynut. I don't hav a credit card registered with Paypal so I'm verified but not confirmed. I have had some problem ith sellers who won't ship to an unconfirmed address. Those sellers, instead of gtting their money immediately, get a check in about 10 days and then as long as 14 more days for clearing. I'll get the coin eventually so I'm not concerned.

K6AZ

<< <i>I'm in the same boat as Mercurynut. I don't hav a credit card registered with Paypal so I'm verified but not confirmed. I have had some problem ith sellers who won't ship to an unconfirmed address. Those sellers, instead of gtting their money immediately, get a check in about 10 days and then as long as 14 more days for clearing. I'll get the coin eventually so I'm not concerned. >>



Any seller holding a check for two weeks now is quite uniformed. I had a long discussion with the manager at my bank regarding checks and and how long it takes to find out if the check comes back. With the new Check21 procedures, a bad check will come back in two business days and my bank will call to inform me of such. For any checks that I hold for clearance, the item goes out on the third business day after I deposit it. I actually prefer a check over PayPal.

relayer

A confirmed address means the shipping address matches the credit card billing address.

You can set your PayPal account to either only accept confirmed addresses, to ask before accepting, or to accept all without asking.

I have mine set to ask first. I only refused one payment (for $600).

I've had 2,000 coins shipped to my PO box and only had about a dozen or so sellers email me about the unconfirmed address.

cdan12

The only unconfirmed address I shipped to was a stolen credit card, lost the coin and money.

ebaytrader

<< <i>True, anybody can file a chargeback any time. But, if the seller ships to the billing address and can prove receipt, he will win the dispute.

Russ, NCNE >>




False. Personal experience with PayPal. If PP is being defrauded they pass it along to you and let you scramble to get your money from them. Go to Paypalsucks.com and read #3 very carefully and take it to heart.

Russ

<< <i><< True, anybody can file a chargeback any time. But, if the seller ships to the billing address and can prove receipt, he will win the dispute.

Russ, NCNE >>

False. Personal experience with PayPal. If PP is being defrauded they pass it along to you and let you scramble to get your money from them. Go to Paypalsucks.com and read #3 very carefully and take it to heart. >>



I've had plenty of bogus chargeback attempts in the years I've been selling over the web. I won in every single case.

Russ, NCNE

K6AZ

Russ, were these through your merchant account or PayPal?

Russ

<< <i>Russ, were these through your merchant account or PayPal? >>



Merchant account. Only one through PayPal so far.

Russ, NCNE

K6AZ

Well, that's what I was saying earlier. With a merchant account you can contest them. With PayPal, if PayPal denies a chargeback to the buyer, they can chargeback through their CC company and PayPal won't fight it, they'll just hit you with the chargeback. I'm surprised you even do PayPal, if I had a merchant account I wouldn't take PayPal at all.

Russ

<< <i>I'm surprised you even do PayPal, if I had a merchant account I wouldn't take PayPal at all. >>



My merchant account is for my business. PayPal is linked to a dedicated checking account and credit card, and is only for eBay sales. I operate the two as seperate entities.

Russ, NCNE

K6AZ

If you sell mostly coins, PayPal won't be such a problem. But as you know, also being in the same other business that I am in, there is a much higher fraud rate in that other business. I prefer not to take credit cards in that business for that reason. And most of what I do is on site work, so most of what I see are checks anyhow.

Russ

<< <i>But as you know, also being in the same other business that I am in, there is a much higher fraud rate in that other business. >>



You ain't kidding. Most of it is pretty laughable and easy to spot, though. About the same sophistication level as all the eBay and PayPal phishing scams. Every now and then, I see attempts come in that are actually clever. I have several file folders and a mail box full of this stuff that I've accumulated. When I first started, I used to try and report it to the credit card issuing companies, but it was pretty obvious that since they aren't on the hook, they don't give a damn. Now I don't even bother.

Russ, NCNE

K6AZ

I think a lot of it has to do with buyer's remorse, or the fact that they realize they can't afford the $2000 they spent on credit, so they try to pull a chargeback. With a merchant account and proof of delivery, you're pretty much bullet proof. What really opened my eyes was a $1200 laptop I sold on eBay about two years ago. Sent it FedEx, with signature required. FedEx delivered it and got the signature. About four weeks later, buyer filed a claim with PayPal. PayPal denied the claim because I had proof of delivery with signature. Two weeks later PayPal takes the $1200, plus $10 saying that the CC company reversed the charge for not as described. It was a brand new unopened Dell laptop! To make a long story short, this buyer lived in NC and I was fortunately close enough to threaten to come down there and file a small claims action. I got a cashier's check for the $1200 about a month later. I was still out the $10 PayPal chargeback fee.