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The problem with accepting PayPal or CC payments is that you can withdraw the money from your PayPal account immediately, but they can still issue a charge-back
by WiseWeasel 14y ago
The problem with accepting PayPal or CC payments is that you can withdraw the money from your PayPal account immediately, but they can still issue a charge-back up to 180 days later and your PayPal account will be deducted that amount. For remote transactions, money order by mail or Bitcoin are your only safe, non-reversible options as a seller.
- anigbrowl 14y agoHence the insurance.
- mcherm 14y agoI fail to see how is the insurance would have helped in this case. No one disputes that the package was delivered successfully.
- bloaf 14y agoWell if you put the right thing in the box, and the recipient says that he got the wrong thing, couldn't you therefore argue that the package was tampered with?
- hackerboos 14y agoI don't see why USPS should pay out for what is clearly fraud by the buyer.
- anigbrowl 14y agoSorry about the slow reply. The idea is that the buyer has to cooperate with the insurance claim, if their chargeback is to succeed; otherwise Paypal/the CC company would ask why not. If they submit something in writing which is materially false, then they're committing fraud against he insurance issuer, which is in a rather better position to prosecute than I am if a pattern is detected. For this reason I always use my own photos of the specific item I'm selling on an auction, and do the shipping calculation in advance so the buyer pays - and so that the auction page include the shipping weight. Sometimes this costs me a few $ if the shipping calculator is slightly off (eg I've forgotten to allow for the size/weight of the packaging) and the insurance costs me a few $ as well. But if the buyer ever says the 'item is not as described' then I have a good excuse to claim on the insurance, who will ask for the buyer to submit what was received.