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At least PayPal doesn't cover digital purchases at all for sellers. It would basically be your word against the credit card holder anyway since there is no phy

by elisee 14y ago

At least PayPal doesn't cover digital purchases at all for sellers. It would basically be your word against the credit card holder anyway since there is no physical proof so I can understand why they can't. Anyone could make up some proof. The root problem is with the banks: it's their system that is being used fraudulently and they should be the ones paying for it so that they have an incentive to improve it.

gamblor956 14y ago
Paypal does cover digital purchases for US sellers. I know this for a fact because I have used Paypal as a merchant of digital goods and been in this situation. Paypal's service was exemplary; I simply provided a receipt of the transaction, the customer's IP address, and logs showing that the same IP address downloaded the software. Paypal never charged back the transaction and handled the dispute for me with the customer's bank. If the customer's bank refused to undo the chargeback, then Paypal swalled the loss on my behalf. Anyone could make up some proof. Well, yes. But people generally don't go through the trouble of making up proof for relatively small transactions (<$100, from the merchant's perspective). It's simply not worth the time and effort to fake up proof for something less than a $100 unless the work would take a minute or two more than simply collecting the evidence supporting the transaction.
- elisee 14y ago
  Was this recent? Did you sign up for a particular PayPal service? I use the basic Express Checkout myself so maybe some of their more expensive plans cover that? Anyway, from my own recent experience and what I heard from several indie devs, even after providing server logs & screenshots, PayPal can't do anything (and I'm not blaming them, I'm sure they do fight the charge if at all possible) EDIT: Oh, just saw you wrote "US seller". I'm not in the US so that might have something to do with it maybe.
- Negitivefrags 14y ago
  This hasn't been my experience with PayPal, or with any other provider. We legitimately try and provide that kind of evidence. For PayPal the user has to supply a chargeback reason. We had a user type in "I need money to pay my rent". That was the exact text. The customer has admitted fault, but paypal still decides against us. Edit: We have a US company and paypal account so it isn't that.

by elisee 14y ago

gamblor956 14y ago

Paypal does cover digital purchases for US sellers. I know this for a fact because I have used Paypal as a merchant of digital goods and been in this situation. Paypal's service was exemplary; I simply provided a receipt of the transaction, the customer's IP address, and logs showing that the same IP address downloaded the software. Paypal never charged back the transaction and handled the dispute for me with the customer's bank. If the customer's bank refused to undo the chargeback, then Paypal swalled the loss on my behalf. Anyone could make up some proof. Well, yes. But people generally don't go through the trouble of making up proof for relatively small transactions (<$100, from the merchant's perspective). It's simply not worth the time and effort to fake up proof for something less than a $100 unless the work would take a minute or two more than simply collecting the evidence supporting the transaction.

elisee 14y ago
Was this recent? Did you sign up for a particular PayPal service? I use the basic Express Checkout myself so maybe some of their more expensive plans cover that? Anyway, from my own recent experience and what I heard from several indie devs, even after providing server logs & screenshots, PayPal can't do anything (and I'm not blaming them, I'm sure they do fight the charge if at all possible) EDIT: Oh, just saw you wrote "US seller". I'm not in the US so that might have something to do with it maybe.
Negitivefrags 14y ago
This hasn't been my experience with PayPal, or with any other provider. We legitimately try and provide that kind of evidence. For PayPal the user has to supply a chargeback reason. We had a user type in "I need money to pay my rent". That was the exact text. The customer has admitted fault, but paypal still decides against us. Edit: We have a US company and paypal account so it isn't that.