posted on August 2, 2001 03:11:30 PM
Off topic, but...
I bought some products from a merchant and had him charge my paypal debit card so I could get some of that 1.5% cash back... I had about $1,800 in my account... the merchant charged my account several times until he used up all my money!
The good news is that is was an honest mistake and I called Paypal, they told me to have him call them and in a few hours the money was returned to my account...
Makes me worry about giving out that card number to a merchant I DON'T know...
The nice thing is since I usually look at my paypal acct every day since a fair number of transactions a day, I noticed the error in minutes, not the next month when I get a credit card statement in the mail and then can't remember what the charge was for...
So... paypal ain't perfect, but i still like it and use it...
posted on August 2, 2001 04:34:38 PM
I think two issues are getting mixed here:
1. PayPal Seller Protection
2. Fighting a chargeback from a bank or card issuer
If you ship something with a proof of shipping method that cannot be tracked online, then PayPal says you don't qualify for their Seller Protection.
But that in no way should effect your right to fight the chargeback. If that's what PayPal is doing, then you might want to contact Visa, MasterCard or the Federal Trade Commission.
Remember, once upon a time PayPal tried to tell its users they couldn't file chargebacks. Turned out PayPal couldn't do that. So don't believe just because PayPal tells you something - or puts it in their TOU - that it is necessarily true, binding or legal.
posted on August 2, 2001 05:21:12 PMBut that in no way should effect your right to fight the chargeback.
Problem is, the chargeback isn't against you. It's a chargeback against PayPal.
You're not the merchant. You have no business dealing with VISA or Mastercard.
posted on August 2, 2001 06:27:18 PM
yeah, thanks for all the help, guys. I'm feeling a lot better now.
anyone know if there's an online shipping service that offer tracking for stuff that originate from Canada? It will make my future mailings a lot more easier. Since the register and express mailing that Canada offers cost at least an extra 8 dollars. (now I kind of appreciate the Delivery confirmation that the States have)
posted on August 2, 2001 06:57:02 PMYou have no business dealing with VISA or Mastercard.
I don't think anyone knows the answer to that yet. Maybe technically, but it could turn out the way PayPal is running the show is an unfair business practice.
It's all between you and PayPal.
Well, either there is no relationship between seller and buyer, or there is. PayPal seems to say it is both.
posted on August 2, 2001 07:27:32 PM
Sure there's a relationship between seller & buyer... but not there's no direct relationship between you and a charge made to a VISA or Mastercard through PayPal.
PayPal is the merchant of record. When you accept a PayPal payment, you did not accept a credit card. You have no ties to VISA or Mastercard. You do not show up on any record of a VISA or Mastercard charge.
Unfortunately, PayPal holds all the cards in this hand... and to its own eventual loss, it won't let sellers in on the game.
