Home  >  Community  >  The eBay Outlook  >  Any chance PaypalDamon is...
<< previous topic post new topic post reply next topic >>
 This topic is 2 pages long: 1 new 2 new Community Guidelines 
 petertdavis
  		posted on October 2, 2001 07:54:34 PM new
mrpotatoheadd, re credit card chargebacks, exactly as I stated earlier in this thread. The safest payment method is, for obvious reasons, a credit card. Paypal is supposed to be filling that niche for people selling who can't get a merchant account. Of course transactions of this nature are more risky than credit card purchases from an established merchant. All in all, as I've stated, Paypal is an improvement upon checks and money orders, but not on merchant accounts. Use it FWIW, not to replace credit card purchases with established merchants.

 
 petertdavis
  		posted on October 2, 2001 09:23:03 PM new
[ edited by petertdavis on Oct 2, 2001 09:24 PM ]
 
 paypaldamon
  		posted on October 3, 2001 10:57:36 AM new
Hi Pocono,

Our terms of use do require the user to follow the complaint process before filing a chargeback. Having users notify us of a potential problem actually helps us catch fraud faster, which allows us to possibly reduce the risk of other users being defrauded by someone running fraudulent auctions.

 
 mrpotatoheadd
  		posted on October 3, 2001 11:39:16 AM new
Our terms of use do require the user to follow the complaint process before filing a chargeback.

PayPal's TOU says:

The Buyer Protection Policy does not replace or reduce any other consumer rights Users may have, including chargeback rights that may be granted by a User's credit card issuer.

As far as I'm able to tell, my credit card company doesn't require me to follow PayPal's complaint process in order to file a chargeback. Are there other credit card companies that do?
 
 paypaldamon
  		posted on October 3, 2001 11:43:17 AM new
Hi mrpotatohead,

Chargeback rights are still intact, but the terms of use do have this clause (under restricting accounts)-


Initiation by a buyer of a chargeback process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below.


The process helps PayPal identify potentially fraudulent parties.

 
 mrpotatoheadd
  		posted on October 3, 2001 11:49:50 AM new
Chargeback rights are still intact, but the terms of use do have this clause (under restricting accounts)-

Initiation by a buyer of a chargeback process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below.

How many chargebacks will cause an account to be restricted? One? Two? Ten? Does the amount of the chargeback matter?


 
 paypaldamon
  		posted on October 3, 2001 11:52:25 AM new
Hi,

The user can have their account restricted if they file a chargeback without following the Buyer Complaint Process first. Users with excessive chargebacks can also be considered for removal (I don't have a number because I am not aware of any defined standard).

 
 Pocono
  		posted on October 3, 2001 12:00:19 PM new
Damon:

If I had not called PayPal on the 40th day, I would probably still not have heard from them.

I suspect that PayPal attempts to stall until such time that a charge back will not be accepted by the issuing bank.

Funny thing is, this seller STILL has an active PayPal account, and his bogus info and phone number are STILL the ones listed in his PayPal profile.

Gotta love that...

My advice to everyone:

DO NOT PAY WITH YOUR BANK ACCOUNT FUNDS! PAY ONLY WITH A CREDIT CARD OR YOU CANNOT CHARGE IT BACK!

That is probably why PayPal so adamately tries to persuede you by offering "contests" and such to use an instant transfere, or eCheck.










 
 mrpotatoheadd
  		posted on October 3, 2001 12:01:31 PM new
I don't have a number because I am not aware of any defined standard

Is it possible for you to find out if there are any standards?

edited to add...

I suspect that PayPal attempts to stall until such time that a charge back will not be accepted by the issuing bank.

But...

Having users notify us of a potential problem actually helps us catch fraud faster, which allows us to possibly reduce the risk of other users being defrauded by someone running fraudulent auctions.

sounds so much nicer now, doesn't it?
[ edited by mrpotatoheadd on Oct 3, 2001 12:08 PM ]
 
   This topic is 2 pages long: 1 new 2 new Return to top of page 
<< previous topic post new topic post reply next topic >>
All times are Pacific Time

Jump to

All content © 1998-2025  Vendio all rights reserved. Vendio Services, Inc.™, Simply Powerful eCommerce, Smart Services for Smart Sellers, Buy Anywhere. Sell Anywhere. Start Here.™ and The Complete Auction Management Solution™ are trademarks of Vendio. Auction slogans and artwork are copyrights © of their respective owners. Vendio accepts no liability for the views or information presented here.

The Vendio free online store builder is easy to use and includes a free shopping cart to help you can get started in minutes!