can someone Chargeback several Friends and Family payments?

[RobertW94]

I've known a person for about 4-5 years from an online game, and have sold him virtual items multiple times.

He recently had a fall out with several other friends and has blocked us all from social media.

If he decids to charge back these payments, (more than 1) will he have a good case?

I have chats of me confirming the trade and him saying thanks ect...

[DPCreations]

There is essentially no seller protection for virtual items and no documented delivery tracking.  I think buyer is likely to prevail in a dispute.

[RobertW94]

@DPCreations

Even though there has been several payments, over the past year, as well as him confirming in chats? i thought if a payment is sent as friends or familly there is no buyer protection?

[DPCreations]

I don't think it's clear what will happen.  As friends/family there was nothing sold and no merchandice (virtual or otherwise) changed hands.  Friend/family is not for sales items.  This would mean that your e-mails about sales create an even greater problem as it shows you used the firends/family as a way to avoid PayPal fees--not a good thing when PayPal looks at it.

The other party could claim unauthorized payment just ot get money back.

I wouldn't not be able to predict the outcome as there are these irregularites that don't fit PayPal policies.

[RobertW94]

@DPCreations

But he was a friend? i'm certain that most people would do the same thing.

and it would be comeplete BS if paypal allowed him to claim payments dating back 4-5 months ago, when he has sent more than ONE payment without trouble? 

Can he say he didn't recieve the item several times? surely this would be taken into account?

[DPCreations]

He sent friends/family funds to you so you wouldn't have to pay the money fee to PayPal when you really were going to provide goods/services.  This is the real problem, I think, for PayPal.  It was a case depriving PayPal of it's rightful fee for a purchase--borders on fraudulent use of PayPal.

Friends/familly transfers are not associated with good/services.

What will be the outcome--I have no clue.

[RobertW94]

@DPCreations

Even if i used fee's, he would easily be able to dispute as there's not tracking information for online items, and he would be covered by the buyers protection act. 

How are people supposed to sell virtual items and have something protecting them? before I sold this i searched for advice said "F&F" payments as they aren't protected.

Its been 4 months, and im sure it's 120 days and he can't claim back? 

[sandypurins]

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RobertW94 wrote:

I've known a person for about 4-5 years from an online game, and have sold him virtual items multiple times.

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It is a violation of PayPal's User Agreement for a seller to ask a buyer to send a Personal Payment for a purchase. PLEASE do not do this... it may lead to PayPal taking away this free service for legit friends and family payments.

Here is the applicable User Agreement text...

4.1 Receiving Personal Payments. If you are selling goods or services, you may not ask the buyer to send you a Personal Payment for the purchase. If you do so, PayPal may remove your ability to accept Personal Payments.

https://www.paypal.com/us/webapps/mpp/ua/useragreement-full#4

Your ex-friend can file an unauthorized transaction claim or an unauthorized transaction chargeback to reverse the payment. You will have no protection for this type of claim or chargeback.

-Sandy

[RobertW94]

@sandypurins

I would happily accept fee's if i knew there was a 100% possiblity they couldn't charge back..

I just followed information online and done what everyone else has advised to protect my money...

Your ex-friend can file an unauthorized transaction claim or an unauthorized transaction chargeback to reverse the payment. You will have no protection for this type of claim or chargeback.

There was more than 1 transaction, he would be allowed to say 4 payments, on 4 different months were all unauthorized and he had no idea about them?

[sandypurins]

@RobertW94

You received bad advice which could lead to you losing the ability to send any friends and family payments.

If you want 100% possibility of no chargebacks, find a different payment service which provides such a guarantee.

-Sandy