getting cold please!

  1. helpp pple!! After reading all these scams i am getting cold feet now.

    Could someone let me know if I completed a transaction out of ebay and issued an invoice via paypal and the item was paid for with confirmed address but an unverified account, will I still be protected if a charge back occurs?


    I do not want to lose my bag and money!! :crybaby:
  2. Seller Protection Policy

    This Policy was last modified on September 14, 2006.

    1. General. PayPal’s Seller Protection Policy is designed to protect sellers against unauthorized payments and against claims of non-receipt of merchandise if they follow good selling practices. In order to be covered by the Seller Protection Policy, sellers must follow the risk-reduction procedures specified in #3 (Policy Conditions) below.

      When a seller receives a payment through PayPal, if the buyer files an unauthorized transaction claim or escalates a dispute into a claim or if applicable, otherwise files a claim under PayPal’s consumer protection programs (a “Buyer Claim”), or if the buyer files a credit card chargeback, a Temporary Hold will be placed on the amount of the payment. If a dispute precedes the claim, the Temporary Hold will be placed when the dispute is filed and will be maintained if the buyer escalates the dispute into a claim. If the transaction qualifies for the Seller Protection Policy, the temporary hold will be lifted from those funds.

      If the transaction does not qualify for the Seller Protection Policy, PayPal will review the Buyer Claim, including all information provided by the seller, and make a determination. In the case of a chargeback, PayPal will determine whether the chargeback can be disputed with the card-issuing bank. If PayPal disputes the chargeback, the Temporary Hold will continue until the dispute is decided by the applicable card company (Visa, MasterCard, American Express or Discover).

      If the seller loses a Buyer Claim or a chargeback dispute and does not qualify for the Seller Protection Policy, the seller will owe PayPal for the amount of the reversed transaction. In the case of a chargeback, sellers who do not meet the requirements of the Seller Protection Policy will also owe a $10.00 USD chargeback fee. PayPal will seek to recover the funds from sellers by debiting their PayPal balance. If there are not sufficient funds in the seller’s PayPal balance, sellers have a choice of reimbursing PayPal by funding their PayPal account or by other means as described in the Payments (Sending, Receiving, and Withdrawals) Policy.

      If a chargeback dispute is won, the Temporary Hold will be lifted and the seller will be free to use those funds, but the seller will be charged the $10.00 USD chargeback fee if the transaction does not qualify for Seller Protection.
    2. Coverage.
      • The Seller Protection Policy covers:
        • The Seller Protection Policy covers up to $5,000.00 USD per year of reversals.
      • The Seller Protection Policy does not cover:
        • Intangible goods, services and sales or licenses of digital content. Only the sale of physical goods is covered.
        • Claims for “not as described”: Reversals arising from Buyer Claims for eBay items, or credit card chargebacks for any item, claiming that goods are "not as described." To reduce your risk of "not-as-described" claims, PayPal recommends describing your item in a clear, detailed manner and including pictures of it in your listing.
        • Total reversals over the annual limit: Once the $5,000.00 USD annual limit has been reached (or the equivalent amount in the relevant currency below), the seller will be liable for additional reversals.

          CountryAmountUSD$5,000.00 USDCAD
          $6,500.00 CAD
          €4,000.00 EUR
          £3,250.00 GBP
          ¥550,000 JPY
          $7,000.00 AUD
    3. Policy Conditions. All of the following conditions must be met for a transaction to qualify for the Seller Protection Policy.
      1. Account Qualifications Conditions:
        • The Seller has a Verified Business or Premier Account
      2. Payment Qualifications Conditions:
        • The transaction is between a US, UK or Canadian buyer and a qualified US, UK or CA seller

          Please note that while sellers outside of the U.S., U.K., and Canada may meet the other conditions of the Seller Protection Policy, they do not qualify at this time.
        • The payment is listed as "Seller Protection Policy Eligible" on the Transaction Details page. To see the Transaction Details for a payment, log in to your PayPal account and click the History subtab of the My Account tab, then click the Details link next to the transaction in question. If a transaction is not listed as "Seller Protection Policy Eligible" it will not be covered under the Seller Protection Policy.
        • The seller accepted a single payment from one PayPal account for the purchase. Please note: There is a greater risk of fraud when multiple payments from different PayPal accounts are used to pay for a single item.
        • The seller does not charge a surcharge for accepting PayPal payments. Sellers should not charge buyers any additional fee (or “surcharge”) if the buyer chooses PayPal as the method of payment.
      3. Buyer Address Qualification Conditions:
        • The seller ships to the address listed on the Transaction Details page. If a transaction is listed as “Seller Protection Policy Eligible” on the Transaction Details page (see 3.b.ii above), sellers must ship to the Confirmed Address on the Transaction Details page.
        • Confirmed Addresses. A confirmed address is an eligibility requirement for the Seller Protection Policy. Shipping to a confirmed address reduces the risk of fraud and should be considered by the seller even if a transaction is not eligible for the Seller Protection Policy.

          A Confirmed Address is either the address at which the buyer receives their credit card statements, or an address of the buyer which PayPal has confirmed outside the credit card system.
      4. Shipping and Shipping Documentation Qualification Conditions
        • The seller ships the item(s) to the buyer within 7 days of receiving payment.
        • The seller provides reasonable proof of delivery from an independent shipper. The delivery must be trackable online. Proof of delivery should show that the address shipped to corresponds to the address on the Transaction Details page (see 3.c above). If a reversal occurs, you will need to provide PayPal with the name of your chosen shipping provider and the online tracking number. For your convenience, PayPal provides a list of popular and currently approved shippers.
          • For transactions equal to $250.00 USD or more in value, the seller needs to provide a proof of receipt signed, or otherwise acknowledged, by the buyer. A proof of delivery from the shipper which does not contain the buyer’s signature or other acknowledgement will not be sufficient. The equivalent transaction amount in non-USD currencies at which the seller must provide online proof of receipt acknowledged by the buyer is as follows:
            • $250.00 USD
            • $325.00 CAD
            • €200.00 EUR
            • £150.00 GBP
            • ¥28,000 JPY
            • $350.00 AUD
      5. Seller Response Requirements
        The seller cooperates in resolving disputes by responding in a timely manner. If PayPal contacts the seller with regard to a Buyer Claim or chargeback, the seller needs to provide the requested information to PayPal within ten days.
  3. In my line of work I have to treat every escrow as a potential lawsuit and tread carefully. Now it seems that we have to treat each ebay auction as a potential chargeback or fraud. ebay just isnt fun anymore.
  4. Thank you for the inputs! Its really sad that ebay/paypal has become such a scammers' haven. :crybaby:Where do i go sell/buy authentic bags from now on besides the boutiques?? *whines*
  5. I have this same issue...I know a confirmed address is required to ship to but the paypal account is unverified for my buyer which means they did not add a bank account for confirmation of identity.

    I just sold an almost $2k Chanel on ebay and the buyer is zero feedback and paid via "instant transfer" which from what I read seems to be a bank withdrawal but backed up by a credit card. On top of my concerns with the above...she wants overnight shipment for a daughters bday.

  6. ^^^ As long as she signs for it and the delivery can be verified. I would ask the buyer for her and her daughter's names, addresses and phone numbers.