chargeback on MP

[mjgo]

I sold an item, person paid and communicated with me and I shipped on time and sent with signature conf as per ebay's advice item was pricey $950. Item was delivered on the 23rd and on the 24th I get a message saying buyer disputed with bank as unauthorized purchase. I submitted to ebay the tracking and delivery info. The ebay email did not sound reassuring that I would be covered. Anyone have any experience with this on MP? TIA

[agent006140]

Paypal UA seller protection means you have to prove you shipped,not necesarily delivered,in your case,you would qualify.
but with MP you have to review its policy

[phaz0rz]

eBay will roll over backwards and do nothing at all to help your case.
At least in my limited experience.

[murdered_by_ebay]

I don't think it is worth it selling such high value items on ebay at all because in theory such disputes should immediately be closed by the seller by sending a refund otherwise there is a risk of losing the money and losing the account.

obviously this would only work well with lower value items. so I personally would look for alternative ways to sell expensive items

[phaz0rz]

A chargeback is a chargeback regardless of the amount. If the buyer does an actual chargeback through their card/bank it will take several days to process and close even if you choose to accept liability and refund the payment. I'm not sure what eBay's policy is but I know Paypal would charge a $20 chargeback resolution fee whether or not you won or lost.

I just hope eBay does like Paypal does and suspends accounts who use chargebacks instead of the site's built in resolution center.

[murdered_by_ebay]

it is a question of the amount because ebay have adopted the habit of suspending people for nothing. if you sell high value items and receive chargebacks for such items without a quick resolution then there is a possibility of them flagging you as high risk. it must not even be your fault , they may just assume that you attract fraudsters with your items and that at some point they will lose the money because you will already have withdrawn and will refuse to reimburse ebay

[phaz0rz]

Agreed a high chargeback rate will get you shut down but I don't think the value makes any difference since regardless of the value eBay has to waste resources trying to resolve the chargeback.

Anyway to get back on topic, chargebacks suck in MP compared to Paypal. I've only had one so far but if I'm remembering correctly eBay doesn't even give you the option to upload supporting documentation to support your case as any other processor would do. They just take the info they already have on hand about the transaction and proceed to lose the chargeback for you.

[agent006140]

Go to Ebay seller forum and ask,there must be sellers who have experienced UA chargeback.

[phaz0rz]

Those guys never know anything useful.

[murdered_by_ebay]

Originally Posted by phaz0rz

Agreed a high chargeback rate will get you shut down but I don't think the value makes any difference since regardless of the value eBay has to waste resources trying to resolve the chargeback.

Anyway to get back on topic, chargebacks suck in MP compared to Paypal. I've only had one so far but if I'm remembering correctly eBay doesn't even give you the option to upload supporting documentation to support your case as any other processor would do. They just take the info they already have on hand about the transaction and proceed to lose the chargeback for you.

I would rather prefer 10 chargebacks for $10 each with immediate refund than 1 chargeback for $1000 with a battle

I don't think ebay will be taking losses in such cases. The best outcome in the future would be that it would work as a usual merchant account. I used to use Barclaycard Business as merchant , it is pretty much the same as Adyen. So in such a case you can send supporting documentation which will be sent to VISA/MS and there it would be decided

[phaz0rz]

eBay uses the details they already have about the transaction and do not allow you to upload documentation to support your case. Like the OP said all eBay really allows you to do in confirm the tracking info you've already uploaded to eBay before the chargeback. :(

10 small chargebacks would indicate to any payment processor that you're high risk. 1 large chargeback would make it look like you're just dealing with a one-off fraudster. Just saying.

[murdered_by_ebay]

Originally Posted by phaz0rz

eBay uses the details they already have about the transaction and do not allow you to upload documentation to support your case. Like the OP said all eBay really allows you to do in confirm the tracking info you've already uploaded to eBay before the chargeback. :(

10 small chargebacks would indicate to any payment processor that you're high risk. 1 large chargeback would make it look like you're just dealing with a one-off fraudster. Just saying.

it is less likely that you are a fraudster if the amounts are small. usually the risk is above 2% so if you make 1000 sales and receive 15 chargebacks that would still not be an issue. It also plays a role if chargebacks come from the same person

also be aware that we are dealing with 2 companies here , just like with ebay and paypal in the past. one risk evaluation is coming from ebay and there you can bet that the amounts would play a role. the other one would be coming from adyen where they have certain thresholds like for example the 2% rule I mentioned before

[Hank]

Originally Posted by murdered_by_ebay

if you make 1000 sales and receive 15 chargebacks that would still not be an issue.

15 chargebacks on 1000 sales is insanely high and would almost certainly cost you your account.

I've made 200,000+ sales over the years and think I may have had two claims both of which were not upheld.

[murdered_by_ebay]

Originally Posted by Hank

15 chargebacks on 1000 sales is insanely high and would almost certainly cost you your account.

I've made 200,000+ sales over the years and think I may have had two claims both of which were not upheld.

If the amounts involved and the number of chargebacks is below 2% it will not lead to automatic suspension as a merchant. These are visa/mastercard rules

you get a warning at 1% and closure at 2% , of course it only applies to the actual merchant account. ebay can suspend anyone even without any claims

[Hank]

Originally Posted by murdered_by_ebay

If the amounts involved and the number of chargebacks is below 2% it will not lead to automatic suspension as a merchant. These are visa/mastercard rules

you get a warning at 1% and closure at 2% , of course it only applies to the actual merchant account. ebay can suspend anyone even without any claims

What on earth has visa/mastercard merchant rules got to do with chargebacks on an ebay sale?

Like I said, 15 chargebacks on 1000 sales WILL cost you your selling privileges and there's nothing mastercard policies can do to stop that.

[murdered_by_ebay]

Originally Posted by Hank

What on earth has visa/mastercard merchant rules got to do with chargebacks on an ebay sale?

Like I said, 15 chargebacks on 1000 sales WILL cost you your selling privileges and there's nothing mastercard policies can do to stop that.

because you are talking about paypal here , it is adyen now which is a full scale merchant account. on paypal there were additional security measures which led to reduced chargebacks , you try to run you own site without paypal and you will have more chargebacks than with paypal

adyen is a real merchant account which directly abides by the rules of Visa/Mastercard and of course they will shut down people if they violate those rules. and yes it is a mistake to think ebay will suspend anyone with 15 chargebacks , I actually had more and was never suspended for this because there is a difference between unauthorized and non-received/not-as-described

[agent006140]

I used to use Barclaycard Business as merchant , it is pretty much the same as Adyen. So in such a case you can send supporting documentation which will be sent to VISA/MS and there it would be decided

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There is an important difference between having your own merchant account and accepting cc via Ebay/mp.
When y ou have a merchant account,your merchant account provider works for you,you can call them and ask if such such a credit card legit,should I worry?
when you get a chargeback,it will pass on your evidence to the other party,find out what the other party said about you and the case,and in some cases,fight for you.
Paypal ,AMZN and ebay actually own the merchant account,so it is easier just accept the results of a chargeback and let you pay for it,it will never tell you what the other party told his cc issuer.

[agent006140]

THE DIspute is not sent to MC/VISA,it is initiated by your buyer who filed the chargeback with his cc issuer ,usually a bank,and his bank decides the outcome.
if you disagree,you can go to MC/VISA board and appeal,but it is very expensive,and usually involve large sum of money
AMEX is different,if you disagree with the outcome,you can take Amex to court,

[mjgo]

I will update once it is resolved. In the past with paypal seller is covered. Ebay hasn't made clear what their policy is on this type of chargeback and something that is impossible to avoid as a seller. Hopefully proof of delivery with signature confirmation is enough.

[agent006140]

https://www.ebay.co.uk/help/policies...=4345#section3
to the left of the page is seller protection for MP sellers,(uk) BUT it should also apply to US sellers.
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[mjgo]

Thanks for the info. Sounds like I should be covered. We will see this was a stealth account converted to MP over a year ago switched to real info. I hope it does not create problems for my account. I am going to take a break from listing on this account until this is resolved.