With Paypal, they fight the chargeback for you (and charge a $20 fee) so you never have to communicate directly with any of your buyers' financial institutions. With auth.net or any other merchant account, you fight chargebacks directly by submitting your supporting documentation directly to the buyer's bank/credit card company.
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once upon a time when Paypal was smaller,it would fight for you,now bot just tell you you have a chargeback and ask you to submit documents,all it does is turn them over to the buyer cc issuer.
if you lose,you pay $20 chargeback fee.
Paypal no longer fight for you,Paypal bot just ask you to submit your side of the story,then forward to his cc issuer and if you lose,you pay $20 chargeback fee.
If you are selling $400 shoes,be prepared for scams.
If you eat too many chargebacks,any payment processor could place a reserve or rolling reserve on your account,the worst is they wil close your account and refuse to do business with you .
They all share a database with your account history so the next processor would know your past history
Quote:
Originally Posted by phaz0rz
(Post 1021122)
Please just get out of this thread, agent. I think OP already got the answers they were looking for. As usual your posts are filled with false information. Paypal does fight chargebacks for sellers. It's in their best interest to win as many chargebacks as possible. There are no chargeback fighting robots on Paypal's staff and that task will never be relegated to PHP scripts or whatever you define as "bots". Every single chargeback is manually reviewed (and appealed, if that's what you choose) by a Paypal rep and you're charged a $20 chargeback resolution fee whether you lose or win to compensate PP for the time they spent fighting your chargeback.
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I have been using Paypal longer than any one of you and I know many eBAY sellers who have been with Ebay and Paypal ,they have lost chargebacks because Paypal just asked them to submit documents and pass on to the cc issuer,thats a fact,I am not making them up,I know from both sides of the fence.
I also know how AMEX handles chargebacks,they told me so.
You may have cases which you won,but there are many cases where the sellers just lost,so dont just say I dont know what I am talking about.
It is in Paypal best interest not to fight every chargeback,as if you lose,they will make you pay $20,resources are not limitless,why do you think it is so hard to talk to a human on the phone ?
THERE are a lot more chargebacks than Paypal can allocate resources to deal with,some are just abuses,besides Paypal does not get to decide ,it is the cc issuer,what should Paypal say?
seller has no tracking or signature confirmation but we love this seller,so please side with us?
Seller always pack carefully so it cant be broken?
Paypal is like Ebay,i has not seen the item,it can only go with facts,if INAD,shows tracking,if $750,show signature confirmation,if INR,get the money back from your insurer,if no insurance,tough luck.
If UA,show you have printed a shipping label,now in some cases,Paypal would add more to the case by showing how the buyer comes online that it is not UA.
Other than that,what can Paypal add?that your diamond tiara is from Queen Elizabthe II and no dime store special?
You Canon camera works perfectly and no way it can be damaged as it has watched you packed and shipped?
dont be so naive.
Bu then,it is in Paypal interest to win as many chargeback as it can,but it ha no ammunition but your documents plus whatever it can add,it cant add your tracking if you have no t racking,it cant put the broken pieces back together>
But the way the merchant account works, the more chargebacks you eat,the higher the fee,which could lead to reserve or rolling reserve or suspension.
But Paypal is huge,who does not want to do business with Paypal.?
In the early days,the merchant providers of Paypal were abhorred by the volume of chargebacks,reversals from Paypal and raised its fee,paypal did switch t o another provider.
I never say Paypal bot review the case,I mean Paypal bot will send you an email asking you to upload paperwork which they can pass on to the cc issuer.
my apology-
$750 signature confirmation is for ebay and Paypal,as far as AMEX is concerned,it is not needed to prove delivery
