icyu
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posted on September 4, 2001 01:30:32 PM new
I want to exclude the possibility of a buyer using a chargeback to defraud me. My terms would say something like: "I do not accept credit card payments through paypal--only transfers from a bank account (eCheck) or from an existing paypal balance."
However, recently I've noticed several seller TsOS where they also exclude the PP debit card along with any credit cards.
If a buyer uses his PP debit card, can he (or Paypal?, or PP's bank??) EVER initiate a chargeback?
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roofguy
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posted on September 4, 2001 02:34:33 PM new
I want to exclude the possibility of a buyer using a chargeback to defraud me.
If you want to exclude that possibility completely, then you cannot accept any card, any time, any where.
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roofguy
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posted on September 4, 2001 02:36:27 PM new
That said, there are very few ways to be defrauded for PayPal sellers who follow the rules. The most common kind of credit card fraud, unauthorized use of someone else's card, is completely covered.
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icyu
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posted on September 4, 2001 02:44:27 PM new
roofguy
Do you have specific factual information about DEBIT cards, paypal, and the use of chargebacks?
Otherwise, these generalities you post are of no help....
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paypaldamon
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posted on September 4, 2001 04:06:03 PM new
Hi,
Yes, buyers can begin a process to chargeback through the debit card. I am curious, however, as to why someone would pay using the debit card versus actually using the PayPal account.
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Coonr
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posted on September 4, 2001 08:24:44 PM new
1.5% PayPal Preffered Rebate!
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club1man
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posted on September 4, 2001 10:02:43 PM new
Damon I'm puzzled by roofguy's stupid ans that he shouldn't accept anything. He simply wants to protect himself. Lord knows PayPal won't.
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icyu
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posted on September 4, 2001 10:53:38 PM new
Damon: Thanks for the concise answer.
I know the Seller protection program is supposed to protect against most of this (though some of the older threads have some mighty disturbing claims to the contrary!).
I'm worried about that "quality of merchandise" claim loophole that even Paypal acknowledges they won't protect the seller against.
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roofguy
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posted on September 5, 2001 09:04:15 AM new
Damon I'm puzzled by roofguy's stupid ans that he shouldn't accept anything.
That's not what I said.
Legitimate PayPal sellers who follow the rules have nothing to fear from chargebacks.
Sellers looking to stick buyers with unwanted purchases face a problem if they want to take cards, credit or debit alike.
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icyu
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posted on September 5, 2001 10:07:11 AM new
Sellers looking to stick buyers with unwanted purchases face a problem if they want to take cards, credit or debit alike.
Roofguy: I'm not trying to stick someone with shoddy merchandise, which is clearly what you are imputing as my motive. I describe all my stuff accurately and have a quite lenient TOS with respect to returns and dispute resolution. No reasonable buyer would ever have a problem with me.
What I want is to protect myself from the buyer who's either an outright crook or quick to develop buyer's remorse. The wrestling involved in trying to dispute an ILLEGITIMATE chargeback is simply not worth my time when I can avoid the whole issue by simply not taking credit/debit card payments.
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roofguy
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posted on September 5, 2001 02:08:11 PM new
Roofguy: I'm not trying to stick someone with shoddy merchandise, which is clearly what you are imputing as my motive.
Be assured, I had a vastly broader, and completely impersonal definition of "unwanted" in mind.
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vargas
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posted on September 5, 2001 03:03:10 PM new
Legitimate PayPal sellers who follow the rules have nothing to fear from chargebacks
Uh-huh.
Bad things can happen to the best of us.
Even Mother Teresa had to have an exorcism.
http://www.cnn.com/2001/WORLD/asiapcf/south/09/04/mother.theresa.exorcism/index.html
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beilcen
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posted on September 5, 2001 04:33:00 PM new
[QUOTE]Legitimate PayPal sellers who follow the rules have nothing to fear from chargebacks.[/QUOTE]
?? that's so broad it has no meaning. you must be astroturfing. otherwise your posts make no sense.
[ edited by beilcen on Sep 5, 2001 04:35 PM ]
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icyu
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posted on September 5, 2001 07:21:08 PM new
Legitimate PayPal sellers who follow the rules have nothing to fear from chargebacks.
roofguy: Even Damon acknowledges that this statement is not accurate--you know that 
For those who aren't just trying to be argumentative, read the following AW thread about the limits of the seller protection plan, which includes paypaldamon's unequivocal statement about this "quality of goods" exclusion:
<l>http://www.auctionwatch.com/mesg/read.html?num=47&thread=3013</l>
Still can't get that link to activate...
Second time's the charm??
[ edited by icyu on Sep 5, 2001 07:27 PM ]
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loggia
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posted on September 5, 2001 08:08:21 PM new
See if you can follow this logic:
Legitimate sellers do not receive chargebacks through PayPal.
Anyone who receives a chargeback through PayPal is not a legitimate seller.
In order to determine if you meet Roofguy's criteria to be a legitimate seller, you have to wait to see whether or not you receive a chargeback through PayPal.
It's sort of like "Schrodinger's Cat." 
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roofguy
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posted on September 5, 2001 08:46:44 PM new
If a PayPal seller follows the rules, and has no intention of sticking buyers with unwanted purchases, that seller will see no chargebacks through PayPal.
It's that simple. If exceptions exist, they are rare enough that none has ever been reported. Rare enough to not defend against at all.
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roofguy
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posted on September 5, 2001 08:49:32 PM new
statement about this "quality of goods" exclusion:
Be very clear.
The only way you can be subject to a quality of goods chargeback is by refusing to accept a return.
Showing a full refund is 100% effective defense against any dispute.
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