I have read nightmare stories about paypal, that people who bought expensive items used chargebacks on their chargecard disputing the item wasn't what they expected, wasn't authentic, etc. If a buyer uses a debitcard from a checking/savings, can this still happen to a seller? Would the buyer have to use a true creditcard, such as a MC or Visa (not a debitcard) in order to do a chargeback? Does this chargeback only apply to ebay items or can it apply to any item sold using paypal? Thanks for clearing this up for me. I just want to protect myself as a seller as I want to sell some stuff on ebay and don't want to get burned :=)