Question
I have a buyer who won 2 auctions (totaling about $50), paid for each of them (separately) with an e-check which just now cleared, and I just noticed that his address is unconfirmed. I normally don't ship to unconfirmed addresses when the payment is high like this because I would be unprotected with the Seller Protection plan, but since these are e-checks does it matter? Can a buyer initiate a chargeback if they paid with an e-check?
~*~Kim~*~
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Answer
<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by Renaissance:
Can a buyer initiate a chargeback if they paid with an e-check?<HR></BLOCKQUOTE>Yes they can.
If someone was able to get your PayPal password and make unauthorized purchases with eChecks wouldn't you expect to get your money back?
Answer
Huh? I'm not sure what unauthorized use has to do w/unconfirmed addresses.
I would like to know this also. With a real check, once it's cleared, you can't put a stop payment on it, but echecks are different.
Haven't a clue, but am hoping someone can cite information from the ppal tos.
Answer
Chargebacks are only for credit cards. You can do a stop payment on a check, or cancel a check .. but not once it's cleared.
what is a chargeback page
<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR> What is a chargeback?
A chargeback means the credit card issuer (the bank that issued the card to the consumer) has reversed a credit card transaction that had previously cleared. The amount of the transaction is then deducted from the seller's account. All sellers who accept credit card payments run the risk of and are liable for chargebacks.
A credit card issuer can initiate a chargeback under several circumstances, including:
* When a buyer claims that the good he purchased was never received.
* When a buyer claims that the item purchased is 'not as described' by the seller
* When it is determined that a stolen credit card number was used for the transaction. <HR></BLOCKQUOTE>
Answer
We lost $650 because of a PayPal e-check that had an unconfirmed address that we shipped to. We thought we were protected because the money had come from a bank account and not a credit card. Turned out that the checking account had "unauthorized use" and Paypal took the money out of our account after nearly one month.
Answer
Thanks guys, that's what I thought. I've learned my lesson before with shipping to unconfirmed addresses.... http://community.here.com/infopop/em...icon_frown.gif
~*~Kim~*~
My Mary Kay Items - Mention here and receive 20% off!
<A HREF="http://www.stores.ebay.com/planetvideo" TARGET=_blank>Movies, DVDs, Video Games, Everything but the kitchen sink!
</A>
Answer
PayolaPay couldn't give a rats behind about the seller. Whether you ship to a confirmed address or not, they can, and still do, steal your money under the guise of seller/buyer protection. The only thing they protect is their bottom line with your money.
They STOLE $1,600 from my account 6 months after I shipped to a confirmed address and the buyer paid from existing PP balance. PP claimed fraudulent use of a credit card (huh?) and shipped to unconfirmed address. I faxed all copies of screen prints, UPS tracking numbers, signature, etc. and after a 90 day "investigation" (my a$$), they said I'm out of luck and they are keeping the money. I asked how can I get my computer back? They said (I quote): "It's your problem. Sue them in small claims court".
Anyone risking more than they can afford Paypal to steal deserves what they get.
All the buyer's know this and the one thief out of 100 that takes advantage will make you loose all your profits from one indefensable chargeback. PP is the accuser, judge, jury and executioner. You have no recourse as a seller.
Answer
Instead of creating harsh feelings and possibly earning a deserved neg, step back and use some common sense.
Is the buyer a seller? How is his feedback? Is it an item like a cell phone, that are frequently scammed? And what makes you think you will be less scammed from a 'confirmed' address????
PayPal's buyer protection' is a hoax to start with. Too many people have lost to much to their thieving. They are much more of a threat to us than a few scammers.
In fact, for the most secure transactions, avoid PayPal.....
When I ship my main philosophy is 'screw Paypal'. I send the item to wherever the buyer wants it to go. As a red star seller, I have never had a problem.....
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