Queestion about people doing charge backs

[slidecage]

Okay i just dumped a Nintendo Ds on ebay for 160 shipped but the dude has 0 rating and just opened up an account i think? The question becomes what if they do a charge back after i ship this system.. Is there any way to protect myself or am i mostly just screwed if they do a chargeback

[zionoverfire]

Well first off its near christmas so there are a lot of honest 0 feedback bidders. But if you get paid by paypal and he does a charge back perpare to bend over and...

[YoshiFan1]

Accept confirmed address only and use delivery confirmation to prove it was delivered. It's really the only thing you can do.

But if they do a chargeback through their credit card company, they will get their money back regardless and Paypal will do nothing to help you.

[zionoverfire]

Accept confirmed address only and use delivery confirmation to prove it was delivered. It's really the only thing you can do.

But if they do a chargeback through their credit card company, they will get their money back regardless and Paypal will do nothing to help you.

Yep, in the future write in your auction that all bids from people with 0 feedback who don't email you a day ahead of time will be canceled. That way you can at least set so rules with them.

[slidecage]

can i fight a chargeback.... i dont know to ship an item or not

[YoshiFan1]

A direct paypal chargeback you can fight, but if they decide you were at fault, you will lose anyway. A credit card chargeback you really can't. When a credit card company gets the chargeback, Paypal doesn't fight for the seller, they just decide it's easier to not fight the chargeback and take the funds from the seller's account.

[swetooth9]

that is the gayest thing i have ever heard in my life.... :(

[zionoverfire]

can i fight a chargeback.... i dont know to ship an item or not

Did he pay with CC paypal? If so just refuse the funds and say that you don't accept CC paypal. Then you will at worst simply get a negative feedback.

[slidecage]

how about if i put sig delivery on the item put insurance on the item.... sig delivery shows that they got the item

[moiety]

That's why I only accept bank transfers. I don't even want to deal with the whole credit card thing. I've never had a problem with Paypal. Just cover your bases as best you can.

[YoshiFan1]

Signature Confirmation will not matter if the buyer does a chargeback through their credit card. You will still lose the money.

[slidecage]

okay after being on hold for 30 mins and being charge around 3 bucks in long distance charges i found out they have an 800 line im going to call but here is some details

Im going to ship it 2-3 day mail. Put Sig delivery on it Put 200 bucks of insurance on it.

this is what the letter says from paypal

THEY GOT A CONFIRMED ADDRESS
SENDER IS UNFERIFIED (im am too cause i dont dare give them my bank info)

PAYMENT TYPE INSTANT (does this mean paypal cash or CC) I know stupid question but im a nerous person ( i got in a car wreck today and really dont need more bad stuff to happen

any help

THANKS

[YoshiFan1]

There is no way to tell if it is credit card or bank funded if it is an instant payment when you accept both credit cards and bank transfers.

[zionoverfire]

There is no way to tell if it is credit card or bank funded if it is an instant payment when you accept both credit cards and bank transfers.

Unless you tell them I'm having trouble with your funds did you pay with a credit card? Then when they say yes you go ohhh wait I can't accept credit card payments. :D

[slidecage]

Seller Protection Policy

PayPal helps to protect our sellers against chargebacks due to fraud. PayPal's Seller Protection Policy gives you the opportunity to protect yourself from liability when you follow the guidelines below to reduce your risk of dealing with a fraudulent buyer.

Note: See the full policy for information on which countries qualify for Seller Protection.

When a transaction is Seller Protection Policy eligible, you must follow these guidelines to be covered against fraudulent chargebacks:
Have a Verified Business or Premier account
Ship to the address on the Transaction Details page
Provide timely shipment
Retain reasonable proof of shipping that can be tracked
Ship tangible goods
Only accept complete payments from single PayPal accounts
Agree not to surcharge the buyer
Respond in a timely manner to all PayPal inquiries
Learn More about PayPal's Seller Protection Policy.



wonder if this really works.... i just emailed them asking how they paid

[YoshiFan1]

All of that sounds good in theory, but Paypal really won't stand up for the seller.

"What is a chargeback?

A chargeback occurs when a buyers asks the credit card company to reverse a transaction that has already cleared. In these cases, the amount of the reversed transaction is deducted from the seller's account. All sellers who accept credit card payments run the risk of chargebacks and are liable for chargebacks.

If you accept credit cards, whether in person or through PayPal, you may encounter a chargeback from a buyer - just as a seller accepting personal checks might receive an occasional bad check. Chargebacks are an unfortunate but realistic cost of doing business, and most sellers factor this cost into their business plans. "

Horrible policy I know, but it's a risk of Paypal unfortunately.

[zionoverfire]

Yep and until people finally get so sick of using paypal or a better online method comes along nothing will change. Luckly I haven't gotten screwed yet, but I am worried about a few of my recent buyers.

[slidecage]

anyone know if there is a way you can take off accepting credit cards off a paypal account

[greendj27]

anyone know if there is a way you can take off accepting credit cards off a paypal account

You can, but you are only allowed to do it once. After that, you can never go back.

[slidecage]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal account or Tell them i dont accept CC payment with people with a 0 and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right???

[greendj27]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal Address and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right??? RIGHT :shock:

You will probably scare the buyer if he is legit by asking for a money order. Also, people sometimes send fake money order so it really isn't much safer. I don't sell much on e-bay, but I always state in my auctions that I do not accept credit cards even through paypal. Saves me from paypal fees and its a little safer.

[zionoverfire]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal account or Tell them i dont accept CC payment with people with a 0 and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right???

Well I'm really not sure what you should do, people can fake money orders but if you get one that's signed with thier name its probably legit.

[zionoverfire]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal Address and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right??? RIGHT :shock:

You will probably scare the buyer if he is legit by asking for a money order. Also, people sometimes send fake money order so it really isn't much safer. I don't sell much on e-bay, but I always state in my auctions that I do not accept credit cards even through paypal. Saves me from paypal fees and its a little safer.

The only problem with this is that plenty of ebay people don't read this and then want to pay with CC paypal and it also keeps your items from selling for as much.

[Indiana]

How long does is take for a personal check to clear? I told the buyer they should send a money order if they want it shipped immediately. We shall see if they are intelligent enough to do so.

[slidecage]

how could a fake money order hurt me if i cash the money order at a Store... they dont have my Bank info so how would they come after me i will sleep on it and see if they email me back tomorrow telling me how they paid for it I guess worse thing can happen now is just refund their money and take the negitive feedback if they leave it and just repost it

[zionoverfire]

How long does is take for a personal check to clear? I told the buyer they should send a money order if they want it shipped immediately. We shall see if they are intelligent enough to do so.

3-4 days.

[slidecage]

if they send a personal check and it clears can they stop payment on it then>

[greendj27]

if they send a personal check and it clears can they stop payment on it then>

Yes, but it costs them $25. Also, if they have no money in the bank you're screwed.

[zionoverfire]

if they send a personal check and it clears can they stop payment on it then>

Yes, but it costs them $25. Also, if they have no money in the bank you're screwed.

That's why you wait 4 days after the end of the auction for the check to clear before you send the item.

[greendj27]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal Address and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right??? RIGHT :shock:

You will probably scare the buyer if he is legit by asking for a money order. Also, people sometimes send fake money order so it really isn't much safer. I don't sell much on e-bay, but I always state in my auctions that I do not accept credit cards even through paypal. Saves me from paypal fees and its a little safer.

The only problem with this is that plenty of ebay people don't read this and then want to pay with CC paypal and it also keeps your items from selling for as much.

People have missed that and sent credit card payments, but since it is mentioned in my auction, they have always just re-sent cash.

I agree on it lowering the selling cost, but I also save from getting charged any fees at all on paypal, so it evens out.

[zionoverfire]

Well i just relisted the item until the buyer tells me how they paid for it and im adding a bank account to my paypal (they said i needed it to protect myself from chargebacks Im like WHAT???...)

1 More QUick question

would you accept the paypal thing and hope not for a chargeback OR

Tell the dude im having problems with my Paypal Address and Ask for a money order from a bank and take some money off the shipping charge... At least if i get a Money order I know that I get real cash right??? RIGHT :shock:

You will probably scare the buyer if he is legit by asking for a money order. Also, people sometimes send fake money order so it really isn't much safer. I don't sell much on e-bay, but I always state in my auctions that I do not accept credit cards even through paypal. Saves me from paypal fees and its a little safer.

The only problem with this is that plenty of ebay people don't read this and then want to pay with CC paypal and it also keeps your items from selling for as much.

People have missed that and sent credit card payments, but since it is mentioned in my auction, they have always just re-sent cash.

I agree on it lowering the selling cost, but I also save from getting charged any fees at all on paypal, so it evens out.

I see well that's good, I just eventually gave in and started taking CC payments, I'm just worried that a couple are cons this time because 2 of my auctions went really high, 1 to someone with no feedback. Well I guess I'll know in a week or so if I'm going to be screwed.

[slidecage]

i just sent the buyer this email

Hi i just notice that you paid by CC and you have 0 feedback on ebay. To help protect myself from chargebacks we can do 1 of a few things

1.... I just added a bank account to my paypal account to help me get verifyed to protect me from chargebacks this process with take 2 to 3 business days (meaning weds or Thursday) we can wait till then and then proceed

2... I can refund your money and you can either pay by Money order or personal check (please allow up to week for personal check to clear) I will knock 10 bucks off the total to do this... if you want the game fast you should send the Money order in 2-3 day mail ( i will give you my name and address if you choose this way...

3... I can refund your money and you pay by Echeck though paypal (this will take 4 days to clear

4... I can refund your money and you dont get the item I will then ask for a credit refund though ebay (this might look like you didnt pay for the item)

Sorry but with having 0 FEEDBACK brings up alot of red flags and Its a major risk for me to send a 160 buck item too someone who has no feedback and hope i dont get hit with a chargeback

please let me know ASAP how you would like to deal with this. I have been on the phone with paypal for the last 2 hours on hold to different people trying to see if there is any other way to protect myself but they said these are about the only ways that im looking at

thank you for your time

will see what they want to do about it

[wubb]

i just sent the buyer this email

Hi i just notice that you paid by CC and you have 0 feedback on ebay. To help protect myself from chargebacks we can do 1 of a few things

1.... I just added a bank account to my paypal account to help me get verifyed to protect me from chargebacks this process with take 2 to 3 business days (meaning weds or Thursday) we can wait till then and then proceed

2... I can refund your money and you can either pay by Money order or personal check (please allow up to week for personal check to clear) I will knock 10 bucks off the total to do this... if you want the game fast you should send the Money order in 2-3 day mail ( i will give you my name and address if you choose this way...

3... I can refund your money and you pay by Echeck though paypal (this will take 4 days to clear

4... I can refund your money and you dont get the item I will then ask for a credit refund though ebay (this might look like you didnt pay for the item)

Sorry but with having 0 FEEDBACK brings up alot of red flags and Its a major risk for me to send a 160 buck item too someone who has no feedback and hope i dont get hit with a chargeback

please let me know ASAP how you would like to deal with this. I have been on the phone with paypal for the last 2 hours on hold to different people trying to see if there is any other way to protect myself but they said these are about the only ways that im looking at

thank you for your time

will see what they want to do about it

If I were this buyer your e-mail would royally piss me off. Chances are pretty high IMO this is simply a new eBayer who honestly wants to buy your DS, probably for a Xmas gift, probably for their kid. (In other words they'd want you to ship it out soon...)

Your option #4 is especially poor, "I'm shoving your payment back in your face and oh by the way eBay will probably be hitting you with a non paying bidder strike. Sorry!" You can both agree to cancel the auction through eBay and you get your FVF back and the buyer doesn't get a strike. That would be what would happen here. Although honestly I think you should get a non performing seller strike (if they had such a thing).

Look at this from their side of the table. They conformed to your auction terms (I assume) and paid via PayPal. Now you don't want to take their money and are asking them to send a money order instead? I'd be smelling a scam myself.

Could you get screwed if you mail it? Sure, but that's always a (generally slim) risk of selling stuff on eBay. That's one reason not to sell high priced stuff for such a slim profit margin.

Basically you are trying to shut the barn doors after the horses are out on this one. I can understand your concern, but it's pretty crappy to change your requirements after the fact.

What are you saying with option 1? That after you are verified you will ship it out? If not there was no point to including that one.

[b3b0p]

If the person has Confirmed Address and you use Delivery Confirmation then you should not lose the money.

When I got ripped by cloudspekk, he sent me a box with a one shitty DVD in it (not even close to the deal we made) and it had Delivery Confirmation. I did a charge back ASAP! Well, cloudspekk gave PayPal the Delivery Confirmation # and PayPal refused my charge back request. Ass holes!

Lost $80 + Games


Moral of the story, don't trade with Cloudspekk, oh, wait. I mean ship empty boxes full of stones to lucky winner. No that's not it, oh, I know its use delivery confirmation and confirmed addresses.

Chris

[nonggame]

i hate people like that... :twisted: if someone do the chargeback to me i will personally go to his house and ..................... you can fill in the blank

[zionoverfire]

If the person has Confirmed Address and you use Delivery Confirmation then you should not lose the money.

When I got ripped by cloudspekk, he sent me a box with a one shitty DVD in it (not even close to the deal we made) and it had Delivery Confirmation. I did a charge back ASAP! Well, cloudspekk gave PayPal the Delivery Confirmation # and PayPal refused my charge back request. Ass holes!

Lost $80 + Games


Moral of the story, don't trade with Cloudspekk, oh, wait. I mean ship empty boxes full of stones to lucky winner. No that's not it, oh, I know its use delivery confirmation and confirmed addresses.

Chris

First off I thought some people got their money back and secondly the concern isn't a paypal chargeback but a CC company Chargeback. Had you told your CC compnay to do a charge back (assuming you'd payed with a CC) you wouldn't be out $80 right now.

Oh and had anyone ever given me his address I would have gone and kicked him in the balls for all you guys.

[thatstoobad]

i just sent the buyer this email

Hi i just notice that you paid by CC and you have 0 feedback on ebay. To help protect myself from chargebacks we can do 1 of a few things

1.... I just added a bank account to my paypal account to help me get verifyed to protect me from chargebacks this process with take 2 to 3 business days (meaning weds or Thursday) we can wait till then and then proceed

2... I can refund your money and you can either pay by Money order or personal check (please allow up to week for personal check to clear) I will knock 10 bucks off the total to do this... if you want the game fast you should send the Money order in 2-3 day mail ( i will give you my name and address if you choose this way...

3... I can refund your money and you pay by Echeck though paypal (this will take 4 days to clear

4... I can refund your money and you dont get the item I will then ask for a credit refund though ebay (this might look like you didnt pay for the item)

Sorry but with having 0 FEEDBACK brings up alot of red flags and Its a major risk for me to send a 160 buck item too someone who has no feedback and hope i dont get hit with a chargeback

please let me know ASAP how you would like to deal with this. I have been on the phone with paypal for the last 2 hours on hold to different people trying to see if there is any other way to protect myself but they said these are about the only ways that im looking at

thank you for your time

will see what they want to do about it
that is ridiculous. if you didn't state in your auction that you have a problem with someone with zero feedback bidding then it's your own fault. more importantly, that email makes you sound like you are completely new to selling on ebay and that you have absolutely no idea what you are doing. i mean, this buyer did nothing wrong, and now you are hassling them.

do you realize there is an option to block bidders with zero feedback from bidding on your auctions? not only that, but you can also block people with negative feedback, people who have had non-paying bidder reports filed on them in the past month (i think it's a total of two), and people who don't reside in the countries you ship to. you may want to look into that for the future.

telling your buyer that you are afraid of them doing a chargeback makes it sound like you are totally running a scam. i mean, if i paid for something and then had the guy tell me that he wants me to pay him with a money order instead so there is no buyer protection, that would definitely "bring up alot of red flags".

take the opportunity to email your buyer, apologize, tell him you made a mistake by sending that first email, and then ship the item with delivery confirmation and insurance.

[slidecage]

What are you saying with option 1? That after you are verified you will ship it out? If not there was no point to including that one.


paypal said if i had a bank account hook to my account it would totally protect me from a chargeback so i might just wait 2 days till my bank account hooks up and see what happens

[jimbodan]

paypal said if i had a bank account hook to my account it would totally protect me from a chargeback


Ha!

Goodluck with all that...

[slidecage]

i called up a few of the places that i have credits card though and they told me that if i have A online Tracking number, Delivery confimation and sig delivery and have all that stuff to prove that the Person who does the charge back would lose their case since i have proven to them that the item has indeed been shipped.. So far i have called 2 of my own credit card companies.... It not just you cant Fight a chargeback its that you got to do the legwork and Continue to Prove that you sent the item what alot of people just give up and lose.

I have also sent another note to the seller that i should ship his item out thursday or friday (those were my next shipping days anyways)

[greydemise]

u prolly heard this b4..but try syaing u have trouble with paypal..and accept only a money order :)?i kno it sounds dumb..but at least the money is in ur hands, and they cant do nething about it

[auralia]

your being really stupid here. You did not list any of these requirements in the auction therefore you can't require them now. All the buyer has to agree to is what was in the auction in the first place and you are obligated to ship. I would give you negative feedback if you were working w/ me. I've done 0 feedback people thorugh pay pal for over 100$ before and it went just fine. Honestly, you need to put these things in your auction before you list it because all the stuff your sending to him is NOT ENFORCEABLE because it wasn't in the auction and the auction is a binding contract.

[slidecage]

your being really stupid here. You did not list any of these requirements in the auction therefore you can't require them now. All the buyer has to agree to is what was in the auction in the first place and you are obligated to ship. I would give you negative feedback if you were working w/ me. I've done 0 feedback people thorugh pay pal for over 100$ before and it went just fine. Honestly, you need to put these things in your auction before you list it because all the stuff your sending to him is NOT ENFORCEABLE because it wasn't in the auction and the auction is a binding contract.



Okay if the Auction is a binding contract then how the hell are they allowed to do chargebacks. They should be hit twice with lying about a chargeback and breaking a contract (since they did a chargeback) ... Like i said i will probally take the chance and send the things out the next day i got to the post office (thur or friday) if i get hit with a charge back im coming after everyone who told me to do this :)

[Indiana]

if they send a personal check and it clears can they stop payment on it then>

Once it clears they cannot stop payment. The funds would have been transfered from their bank to mine. They would not be able to refund their money at that point. They would need to stop payment prior to it clearing.

[wubb]

i hate people like that... :twisted: if someone do the chargeback to me i will personally go to his house and ..................... you can fill in the blank

The buyer hasn't done a single thing wrong at this point.

[slidecage]

thst is why i wrote them back telling them if they dont want to do any of the 4 things i sent them I will send the game out Friday (my next shiping day ) Maybe thursday... I got in a wreck yesterday and i sort of was paniced all night about that then this happens and sends you into more worry about what IFS

[wubb]

I can understand your concern. I had a case a week ago where I was a little nervous about a buyer (made a post on here about it actually) but that was only on a $40 item.

I think it's fine to discuss the situation with others and try to feel out what your best option would be, but IMO you should never contact a buyer insinuating you think they may be preparing to cheat you unless they have truly given you a reason to do so.

So I think your first e-mail was a mistake, but it was good to send out the follow up.

[b3b0p]

If the person has Confirmed Address and you use Delivery Confirmation then you should not lose the money.

When I got ripped by cloudspekk, he sent me a box with a one shitty DVD in it (not even close to the deal we made) and it had Delivery Confirmation. I did a charge back ASAP! Well, cloudspekk gave PayPal the Delivery Confirmation # and PayPal refused my charge back request. Ass holes!

Lost $80 + Games


Moral of the story, don't trade with Cloudspekk, oh, wait. I mean ship empty boxes full of stones to lucky winner. No that's not it, oh, I know its use delivery confirmation and confirmed addresses.

Chris

First off I thought some people got their money back and secondly the concern isn't a paypal chargeback but a CC company Chargeback. Had you told your CC compnay to do a charge back (assuming you'd payed with a CC) you wouldn't be out $80 right now.

Oh and had anyone ever given me his address I would have gone and kicked him in the balls for all you guys.

his address was posted in the thread along with his full name and phone number. Anyone could have called him or gone over to his residence.

I still have his address and he still posts over at fatwallet. He has changed his ebay id and email(s) and I still have those too.

I talked to my bank and they said I was I was pretty much screwed and I was better off settling with him. And also, many credit cards will not do protection when one uses paypal, so I was told.


Chris

[Ivanhoe]

wait 72hrs after a paypal cc payment and they will not be able to due a charge back. at least this was the case a few years back the last time i looked into it.

After a buyer sends a CC payment they have 72hrs that they can do chargebacks. after 72hrs they can no longer do it.

SO wait 3 days after you receive there payment before you ship out their item.
thats what i do.

Another thing even when you put up NO ZERO FEEDBACK BIDDERS you will still get a lot of them. this gives you a big headache because you have to start blocking them and canceling their bids as your auction is up and running.

ive sold 20 ps2's so far and havent had a problem with paypal yet.

ive used paypal for 4 years or so and only had 1 chargeback (happend at 68hrs and i hadnt shipped out item yet)


Same goes when you ask for confirmed addresses only payments
you will still get unconfirmed ones OR confirmed addresses but UNCONFIRMED payment address (someone elses cc)

[zionoverfire]

If the person has Confirmed Address and you use Delivery Confirmation then you should not lose the money.

When I got ripped by cloudspekk, he sent me a box with a one shitty DVD in it (not even close to the deal we made) and it had Delivery Confirmation. I did a charge back ASAP! Well, cloudspekk gave PayPal the Delivery Confirmation # and PayPal refused my charge back request. Ass holes!

Lost $80 + Games


Moral of the story, don't trade with Cloudspekk, oh, wait. I mean ship empty boxes full of stones to lucky winner. No that's not it, oh, I know its use delivery confirmation and confirmed addresses.

Chris

First off I thought some people got their money back and secondly the concern isn't a paypal chargeback but a CC company Chargeback. Had you told your CC compnay to do a charge back (assuming you'd payed with a CC) you wouldn't be out $80 right now.

Oh and had anyone ever given me his address I would have gone and kicked him in the balls for all you guys.

his address was posted in the thread along with his full name and phone number. Anyone could have called him or gone over to his residence.

I still have his address and he still posts over at fatwallet. He has changed his ebay id and email(s) and I still have those too.

I talked to my bank and they said I was I was pretty much screwed and I was better off settling with him. And also, many credit cards will not do protection when one uses paypal, so I was told.


Chris

Wel paypal charge backs get tricky but most CC companies still let you do it, I wasn't around when the Cloudspeak thing happened so I never got his info which is pretty funny considering my parents house is probably pretty close to his. Anyhow you did get hosed, sorry but I thought I read that some people got their money back from this whole ordeal.

[judyjudyjudy]

wait 72hrs after a paypal cc payment and they will not be able to due a charge back. at least this was the case a few years back the last time i looked into it.

After a buyer sends a CC payment they have 72hrs that they can do chargebacks. after 72hrs they can no longer do it.


That's not true. Some credit card companies will let you do chargebacks up to a year from purchase, regardless of whether it's a Paypal payment or not. I don't know if you're talking about special circumstances or something, but I've never heard of this 72 hr limit. It usually takes more than three days fpr a buyer to figure out it something is wrong. Heck, even Paypal gives you 30 days.

(Though different CC companies have different policies when it come to Paypal... I know more CC companies are getting more hesitant about dealing Paypal transactions.)

[Ivanhoe]

dunno was a while ago.like 2years ago.

i just looked around their website and found a little part on chargebacks where it states basically that your just screwed when someone chargebacks on you......

so i guess its time for me to stop acceptin cc payments.

paypal sucks.

[slidecage]

well i just got an email from the buyer saying all is cool and they are a new person who just signed up to ebay so i think everything will work out in the end... Im going to ship the item Friday (shakes fist at finals on thursday)

[wubb]

wait 72hrs after a paypal cc payment and they will not be able to due a charge back. at least this was the case a few years back the last time i looked into it.

After a buyer sends a CC payment they have 72hrs that they can do chargebacks. after 72hrs they can no longer do it.


That's not true. Some credit card companies will let you do chargebacks up to a year from purchase, regardless of whether it's a Paypal payment or not. I don't know if you're talking about special circumstances or something, but I've never heard of this 72 hr limit. It usually takes more than three days fpr a buyer to figure out it something is wrong. Heck, even Paypal gives you 30 days.

(Though different CC companies have different policies when it come to Paypal... I know more CC companies are getting more hesitant about dealing Paypal transactions.)

judyx3 is correct. I believe most CCs give you 90 days, maybe some only give you 30 days, and there are some that give you a year.

Does anybody know if there are any sites or anything that list which CC companies will work with you if you have a problem with a PayPal purchase and which won't? That woud be interesting to see.

[Zing]

I initiated a chargeback on a Paypal payment about 3 weeks after the payment was made. I paid an Ebay seller $800 for some stuff, and after one email telling me he would ship it soon, I never heard from him again. Two weeks later I see the negative feedbacks piling up, so I file a Paypal fraud report. Of course they were "unable to recover" the funds.

Luckily I had paid with my American Express. I called them and they said to send a letter to the local main office since they can't do it over the phone. I wrote a letter explaining the situation. About a month and a half later, I get a letter back saying that they gave Paypal 30 days to respond. Apparently, Paypal never even responded. Amex credited my account for the $800. Whew.

[whitereflection]

wait 72hrs after a paypal cc payment and they will not be able to due a charge back. at least this was the case a few years back the last time i looked into it.

After a buyer sends a CC payment they have 72hrs that they can do chargebacks. after 72hrs they can no longer do it.


That's not true. Some credit card companies will let you do chargebacks up to a year from purchase, regardless of whether it's a Paypal payment or not. I don't know if you're talking about special circumstances or something, but I've never heard of this 72 hr limit. It usually takes more than three days fpr a buyer to figure out it something is wrong. Heck, even Paypal gives you 30 days.

(Though different CC companies have different policies when it come to Paypal... I know more CC companies are getting more hesitant about dealing Paypal transactions.)

judyx3 is correct. I believe most CCs give you 90 days, maybe some only give you 30 days, and there are some that give you a year.

Does anybody know if there are any sites or anything that list which CC companies will work with you if you have a problem with a PayPal purchase and which won't? That woud be interesting to see.

There's a 72 hour period given to the seller to dispute the chargeback with PayPal:

"Because of deadlines imposed by the credit card companies, sellers must respond quickly (usually within 3 days) once they are notified of a chargeback. Response deadlines can be found in the email PayPal sends to the seller when notifying them of a chargeback. "

I liked this part especially:

"PayPal reserves the right not to dispute a chargeback even if the seller has provided some evidence, particularly if PayPal believes the dispute is not likely to be successful. " :twisted:

[greendj27]

wait 72hrs after a paypal cc payment and they will not be able to due a charge back. at least this was the case a few years back the last time i looked into it.

After a buyer sends a CC payment they have 72hrs that they can do chargebacks. after 72hrs they can no longer do it.


That's not true. Some credit card companies will let you do chargebacks up to a year from purchase, regardless of whether it's a Paypal payment or not. I don't know if you're talking about special circumstances or something, but I've never heard of this 72 hr limit. It usually takes more than three days fpr a buyer to figure out it something is wrong. Heck, even Paypal gives you 30 days.

(Though different CC companies have different policies when it come to Paypal... I know more CC companies are getting more hesitant about dealing Paypal transactions.)

judyx3 is correct. I believe most CCs give you 90 days, maybe some only give you 30 days, and there are some that give you a year.

Does anybody know if there are any sites or anything that list which CC companies will work with you if you have a problem with a PayPal purchase and which won't? That woud be interesting to see.

There's a 72 hour period given to the seller to dispute the chargeback with PayPal:

"Because of deadlines imposed by the credit card companies, sellers must respond quickly (usually within 3 days) once they are notified of a chargeback. Response deadlines can be found in the email PayPal sends to the seller when notifying them of a chargeback. "

I liked this part especially:

"PayPal reserves the right not to dispute a chargeback even if the seller has provided some evidence, particularly if PayPal believes the dispute is not likely to be successful. " :twisted:

Is some of this why there is that class action lawsuit against paypal?

[wubb]

Is some of this why there is that class action lawsuit against paypal?

The class action lawsuit I heard about (I think it's over at this point) had to do with PayPal freezing accounts for little reason for long periods of time leaving sellers seriously shaq-fued.

My understanding is that apparently banks must follow a rigorous process when they freeze a client's funds and PayPal's position is that they are not a bank and therefore can not be held to the same standards. The court disagreed.