Hi westchestervillage,

Let me provide a bit of detail here.

With the new resolution system we've moved the process for sorting out transaction issues from PayPal (where it is currently) to eBay. As a part of this transition we made a few changes to how eBay and PayPal interact, including what you mention above.

In the new system, in the event you as a seller lose a buyer's resolution claim, we'll reverse the PayPal transaction--similar to how it happens in the current system. However, we now offer the ability to opt out of this PayPal reversal process--essentially not let eBay reverse funds from your PayPal account if required. In this case, the reversal "liability"--the amount of the refund--would not go away; you still owe the money. Instead though, we would allow you to pay it through the payment method you have on file with eBay. (We will seek your authorization before placing the charge.)

The advantage of not opting out is that the refund happens within PayPal, where you received the funds in the first place. Also, doing it through PayPal helps prevent the buyer from filing a subsequent chargeback since with the PayPal reversal we put it back onto the buyer's funding source--credit card for example. But if you choose (that is, if you opt out), we will put it on your payment method on file with eBay instead.

Also please note that the usual methods of managing buyer disputes (for example, appeal a buyer's item not received claim by providing delivery confirmation) still apply.

Clay

So the major advantage of opting out is just that if a seller loses a dispute, they can use their rewards card to pay it?

Kevin

Baby don't you ride in that faux Cadillac
If you must, please ride in the back

Let me see if I understand this:

If one does NOT opt out, but allows eBay permission to reverse the PayPal, the PayPal fee is also reversed?

If you DO opt out, and make payment to eBay separately, the PayPal transaction stands (along with its fee)? You can pay eBay with the same choice of payment methods used to pay eBay fees.

Clay, I am still real confused re: the new "dispute resolution" issue... if you could help clarify please & correct any incorrect assumptions I have made? Scenario - The buyer files a dispute through eBay. Buyer claims non-receipt of goods. Buyer paid with PPal and seller has not "opted out". Until dispute is decided, are the sellers funds put "on hold" in PayPal where seller does not have access of use of funds until is resolved? And if so, how long will it take for eBay to get PPal to remove the "hold" if settled in the seller's favor? OK, assuming was a domestic transaction and seller has a DC. Buyer (I would assume same as PPal?) loses the dispute filed with eBay. Buyer obviously not happy the lost through eBay. They paid with PayPal, and since they lost the "INR" with eBay, now they file SNAD with PayPal a few weeks later. Does PPal have access to the information from eBay on that same case? Or does the seller have to go through sending all the information again & have their funds on hold yet again until decided? Now if somehow PayPal decides in the sellers favor, the industrious little scammer/buyer does a c card chargeback. Does this mean, for the 3rd. time, the seller has to go through the whole process or will PPal automatically use the information gleaned during the buyers last 2 attempts to reimburse the seller "via seller protection" if seller has DC or siggy DC if required ? I guess my point is, that I see this as just one method for an unscrupulous buyer to try to rip off a seller, while I am not seeing any benefit at all to the extra level of bureaucracy for "resolution of disputes" for the seller. Appears for example a buyer can try a dispute through eBay, and if they don't get the answer they like, then when the eBay dispute is closed, they can go to PayPal and try again. Can a seller also go to PayPal & fight to get their funds back if they don't agree with the eBay resolution? Also, if I "opt out", and my mo eBay fees are paid through automatic w/d from a bank checking acct with a c card as back up funding source, will eBay then take any funds that they have reimbursed the buyer from my bank acct. first or charge my c card on file or ? And how much (if any) notice do I get before the funds are taken from my bank acct or c card? Wouldn't really the only way for a seller to have any control over funds being taken from them, be to have a c card as their primary eBay funding, "opt out", and then if their c card is charged, file their own chargeback? Thank you, tribblekitty

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Thank you very much. If I am understanding correctly now, I may actually see an advantage for sellers... If a buyer goes through eBay for a INR claim, since it's "eBay or PPal - not both", if buyer does lose a claim with eBay, but later does a chargeback through their credit card co (which will end up going to PayPal), PayPal will not take the funds from the seller as a 2nd dispute venue is not permitted. That would indeed be good news for sellers.

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I tried that one too SDJoe. Figured if a buyer can do a ccard chargeback, if they charge my ccard over a bogus claim, why cant I do the same thing as a seller? Looks like this was the answer I got - 4) if you as a seller charge back a reversal on your eBay credit card, you're still liable for the payment. We follow the same consequences as unpaid eBay fees--if it goes on for too long, we will restrict your account, pass the amount to a collections agency, etc. So basically even if your c card co agrees with you & does the chargeback, eBay is coming after you for the amount & you won't be selling here anymore unless you pay. Only advantage would be that at least it sounds like (from what the reps here have said) eBay has to get you to authorize any charge to your c card or bank account first. With PPal, they just grab the funds with no prior notice. Might at least give the seller a little advance head's up to attempt to do battle. Other than the "get back your Ppal fees" I am not seeing any downside to "opting out".

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