Re: Myth or fact? Buyer files a chargeback through credit card provider
The fact is, the buyer usually wins. That is because it is up to the card issuing bank to make the final decision and the buyer is their customer. As Slokor said, you CAN win if you have good documentation and it looks like the buyer is a scammer. Also, PayPal MAY cover you - depending on the circumstances - if the item is charged back.
It is also true that the buyer has 180 days to initiate the chargeback.
If you are selling a valuable item, you should send it with a signature required. Because if the buyer claims it was never received and it turns out that the delivery person left it by the front door, the buyer will win. Signature confirmation costs an extra $2 or $3 but it is well worth it to avoid a loss of hundreds or even thousands of dollars. Insurance is also a good idea, but it usually only covers being lost or stolen in transit, not being lost after it was "delivered" by leaving the package at the front door.
There is no way to be 100% safe when selling online, but taking a few precautions can greatly lessen the chances of taking a loss.
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