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PayPal Secure? Fraud refunds?

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#1

Posted 12-06-2012, 06:58 PM

blahblehblah is offline

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PayPal Secure? Fraud refunds?

I don't use paypal that much but I had a few questions on how the online transactions businesses would handle some odd issues.

How does PayPal deal with services? For example, say you make a deal with someone for some service or barter or some exchange that includes cash. If the seller doesn't give you goods you had agreed upon, will PayPal give you your money back? What proof does PayPal ask for?

I assume they won't just trust your word of mouth agreement.

Taking that a step further. What if you were using the money to purchase something that should not have been for sale to begin with? Would PayPal and/or your credit card company just give you your money back if the seller doesn't send the goods and then notify the local authority if you attempted to purchase anything that shouldn't be sold in the first place?

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12-06-2012, 06:58 PM
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#2

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12-06-2012, 07:24 PM

phonic is offline

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Don't trust PayPal.

They side with the buyer in almost 95% of circumstances, even if the seller meets all of their requirements, provides necessary proof, etc. And for the 5% of the time where the seller is ruled in favor of, all the buyer needs to do is issue a chargeback with their credit card company and PayPal will yank those funds right out of your account.

Sure, most transactions go smoothly - but that's just because most people are honest. But when someone wants to screw you, PayPal helps them grease up the stick before they shove it up your ass.

And don't get me started with how, even if the transaction goes through properly and buyer/seller are happy, PayPal still might freeze your funds for an indeterminate amount of time with little to no recourse.

If you're selling $10 trinkets, more power to you. But for anything in large dollar amounts, I would advise you to be very, very cautious.

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#3

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12-07-2012, 07:25 PM

MikeBear is offline

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Sign up for PayPal, setup your account to draw from a CREDIT CARD instead of your bank account. Do NOT give them your bank account number!

Pay for item with credit card, THROUGH PayPal. You now can dispute it through EITHER your credit card OR PayPal.

So, that gives you two avenues of dispute ability. Just remember this: IF you go through your credit card first for anye dispute, PayPal will not help at all after that point, their hands are tied. If you go through the PayPal dispute process first, and they turn you down and don't refund for whatever reason, you can then still go through your card, and they may side with you and get your money back.

If even that doesn't work, you are on your own to handle it.

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