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Cheers,

Deirdre
eBay Community Development

What is a dispute?

A communication stage where buyers and sellers can post messages directly to each other with the goal of finding a mutually acceptable resolution to a buyer’s transaction problem.

What is a chargeback?

A chargeback occurs when a buyer asks a credit card company to reverse a transaction that has already cleared. A buyer may file a chargeback with their card issuer based on credit card association regulations and timeframes. Although a chargeback may appear to be similar to a PayPal claim, it is actually a process initiated outside of PayPal, which is granted to a cardholder by their credit card company.

All sellers who accept credit card payments run the risk of being liable for chargebacks. Chargebacks are an unfortunate but realistic and expected cost of doing business and many sellers factor this cost into their business risk model.

Although the credit card company decides whether or not they feel the buyer has a valid reason for filing a chargeback, PayPal helps our sellers fight unwarranted chargebacks in order to recover the funds associated with those chargebacks. We do this in two ways: First, when sellers meet the terms of our seller protection policy, PayPal covers them against financial loss due to unauthorized or item-not-received chargebacks. Second, even if sellers do not meet the terms of our seller protection policy, PayPal’s expert team of chargeback specialists will often dispute unwarranted chargebacks on behalf of sellers. If PayPal wins the chargeback on behalf of the seller, the seller will be reimbursed the funds associated with the chargeback.

Sellers need to help in the chargeback process by providing PayPal with evidence to dispute inappropriate chargebacks. There are three ways for a seller to provide evidence:

• through the PayPal Resolution Center (best option for faster resolution)
• by email at chargeback-response@paypal.com or
• by fax at 402-537-5755

The chargeback specialist will combine the evidence provided by the seller with any other information PayPal may already have and dispute the chargeback when appropriate.

To help you better understand chargebacks and how to identify and prevent situations that might lead to chargebacks visit www.paypal.com/chargeback or learn how to respond to a chargeback by reviewing the step-by-step guide in the Resolution Center.

Hi curio2find:

Please review the Discussion Board Policy here:

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Thanks,

Deirdre
eBay Community Development

I am a buyer who "won" a paypal dispute. Here is what happened then; 1. I had to pay additional s/h charges to return the article to paypal. 2. The seller in turn decided to leave some erroneous and false feedback with regards to the transaction.

So, why is it we are just worried about the "sellers" and chargebacks? Why do I feel shafted in this exchange while the "seller" gets off scot free without any penalities what so ever?

-db-

Hi,

Please tell me a surefire way to talk with a live person at PayPal if I have problems with my account that I cannot resolve after researching the Help section.

Thank you.

Hi,

What are some of the conditions that Paypal will fight against chargebacks?

I understand that fraudulent CC use is covered.......but, are there any conditions that paypal will fight chargebacks against SNADs that are unwarranted?

If so.........what are the criteria that Paypal would ask for that would be most pertinent in proving their's and the seller's case to the CC company?

Thanks