paypaldamon
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posted on March 8, 2001 10:13:18 PM new
Hi All,
I know that many of you are concerned about the potential of receiving fraudulent payments and I thought I would post our Seller Protection Policy for the users. This is a way to eliminate liability for charge backs (always a risk for credit card transactions) and this is (to the best of my knowledge) a part of our service that is unique when compared to traditional merchant accounts or other payment services.
If a transaction proves to be fraudulent, the end user will receive an email looking for specific information and the transaction will show as "pending reverse" in your account (see below for information being looked for). The most common reasons for a reveral of a payment---accepted payments from multiple accounts for an individual transaction; shipped overseas; or did not retain proof of delivery.
(An additional tool for reducing your risk can be found in your payment receiving preferences. These tools were developed as a result of feedback from this forum and others).
Be a Verified Premier or Verified Business Account (U.S.)
Verification is a positive signal to your buyer and to the PayPal community. By using the Verification System, PayPal reduces the risk that a Seller is not legitimate. Dishonest Sellers damage both the PayPal community and the online community in general.
Ship to the buyer's Verified Shipping Address
PayPal prompts buyers to provide sellers with a Verified Shipping Address when making a purchase. The Verified Shipping Address is checked against the buyer's credit card billing address maintained by their credit card company. Shipping to this address minimizes the risk of being paid by a fraudulent buyer.
Retain reasonable proof-of-shipment that can be tracked online
Always keep proof that you did indeed honor the payment and made the shipment to the Verified Shipping Address. Most U.S. carrier companies offer this service, including the U.S. Postal Service. You will be required to provide a copy of this shipment record in cases of disputes. The tracking documentation must show that you shipped to the Verified Shipping Address.
Ship tangible goods
Since comparable widely-accepted proof-of-shipment methods are not currently available for intangible goods and services, we are currently unable to offer Seller Protection for digital goods and other electronically-delivered items.
Only accept single payments from single PayPal accounts
Payments by a buyer from multiple accounts for a single item are a fraud indicator. Under no circumstances should you accept these payments. Acceptance of these payments will result in loss of protection under this Policy and possible termination of your account.
Ship to domestic (U.S.) buyers at U.S. addresses
We do not currently extend Seller Protection for international payments and shipments.
The Seller Protection Policy was developed for those sellers who want to limit their risk. We give sellers the opportunity to be protected from chargebacks if they follow the guidelines. Sellers who decide not to follow them make the decision to take on risk and will be held liable for any chargebacks.
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jwpc
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posted on March 9, 2001 08:23:56 AM new
Thanks appreciate the info.
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msstone
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posted on March 9, 2001 02:30:09 PM new
I am sorry this is off the topic.
JWPC: I have two german shepherd and I love your german shepherd and scotty. May I email you to learn how to that. Thanks Merle
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dottie
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posted on March 9, 2001 04:03:10 PM new
Damon, what I'm actually worried about with the latest BUYER protection announced, is that someone will pay for an auction via Paypal and then upon receipt of the item... go in and CLAIM that it's not what they paid for, or something like that.
I've heard nightmare stories about SELLERS paypal accounts being "frozen" etc. and that the sellers were not aware that there was even a problem until they could NOT retrieve funds from their paypal accounts.
In the event a seller logs onto the paypal site and finds a "Pending Reverse" in their paypal account status... what steps should they immediately be taking to ensure smoothe and SWIFT resolution?
- Dottie 
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dottie
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posted on March 10, 2001 11:19:54 AM new
DAMON!!!!! was this thread a "post and run" thing????
waiting, waiting, waiting... for your reply to my question from YESTERDAY.....
- Dottie
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uaru
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posted on March 10, 2001 12:27:12 PM new
waiting, waiting, waiting... for your reply to my question from YESTERDAY.....
Maybe Damon was able to sneak out of the building and take the weekend off. A possibility to consider.
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vvalhalla
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posted on March 10, 2001 02:01:52 PM new
Is "seller protection" only available to premier & business accounts?
If not what sort of protection is offered to a personal accounts?
The only way to get delivery confirmation is to ship priority or a large package. Is it ok for me to charge a paypal buyer higher shipping to recover the expense of the shipping upgrade.
dennis
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paypaldamon
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posted on March 12, 2001 11:31:08 AM new
Hi vvalhalla,
You are correct in stating that charge backs are only protected for accounts in the Business/Premier category. No protections are currently available for personal accounts.
The shipping item is something that is at your discretion and something you would probably want to state in your auction.
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paypaldamon
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posted on March 12, 2001 11:46:17 AM new
Hi dottie,
I do take time off of work at times
Can you point me in the direction of the thread if I don't see it by the end of the day?
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paypaldamon
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posted on March 12, 2001 11:53:33 AM new
Hi dottie,
Account restrictions are actually very rare and I would not let that be a large concern.
The seller will be sent an email asking for specific information (shipping information, tracking numbers,etc). If the information is provided and the seller provided the steps of the program, then they will not have the payment reversed.
This program protects you from charge backs as long as you follow the steps. The Buyer Protection Program does not cover the quality of merchandise aspect of it, but there is still a risk that they will do a charge back. You would still be protected from the charge back if you followed the program details.
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sg52
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posted on March 12, 2001 12:01:43 PM new
This program protects you from charge backs as long as you follow the steps. The Buyer Protection Program does not cover the quality of merchandise aspect of it, but there is still a risk that they will do a charge back. You would still be protected from the charge back if you followed the program details.
PayPalDamon, forgive me, but that's a real hard paragraph to parse.
It seems to say two opposite things.
1. If seller follows "steps", seller is protected from chargeback.
2. There is still a risk of chargeback, so long as buyer claims "quality of merchandise".
Which is it? Both cannot be simultaneously true.
sg52
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paypaldamon
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posted on March 12, 2001 12:17:10 PM new
Hi Sg52,
The first one is the internal aspect (where a buyer makes a claim and we ask the seller to provide documentation to refute it).
The second possibility is that the user files a charge back with the credit card company. If this happens---we still ask for the same information to protect the seller from the charge back.
The same rule applies to both scenarios for protection.
Our Buyer Protection Program does not cover quality of merchandise, but an end user could still contact the company and do a charge back (consumer right).
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sg52
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posted on March 12, 2001 12:32:04 PM new
Our Buyer Protection Program does not cover quality of merchandise, but an end user could still contact the company and do a charge back (consumer right).
Would it be incorrect to say that if seller follows all "steps", seller is protected from ALL chargebacks?
sg52
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paypaldamon
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posted on March 12, 2001 12:39:20 PM new
Hi Sg52,
Correct. But they can't miss ANY of the items on what I posted.
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dottie
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posted on March 13, 2001 05:09:11 AM new
THANKS Damon.
That's the stuff I wanted to know about. *smile*
- Dottie
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sg52
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posted on March 13, 2001 11:21:54 PM new
Correct. But they can't miss ANY of the items on what I posted.
This is going to be interesting.
sg52
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Blackjack21
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posted on March 14, 2001 04:04:18 AM new
Hello Damon, and can you please answer a question? One of Paypal's requirements for a business seller to have protection against chargebacks is "Retain reasonable proof-of-shipment that can be tracked online." But I ship items using stamps.com and insure items using u-pic.com. I don't go to the post office, and given the number of packages I ship on average, the local villagers would annihilate me! So by using stamps.com and u-pic, how can I prove that that item was shipped? Stamps.com has a printable log that shows to whom & when a postage label was printed, but it can't show
that the item *was indeed* shipped. And u-pic insurance has no trackable feature that I'm aware of.
What can sellers in my circumstances do?
Thanks in advance,
Blackjack21
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