I have to say that I am really dissapointed with Paypal for a recent decision that was made on my account. I just received a resolution stating that "despite their best efforts, the buyers credit card company found in favor of the buyer". I use paypal to process credit cards on my website, sent the item to the address that matched the credit card, all the information matched for address and CVV code, and I even spoke with Paypal on more than one occassion in which they even stated to me that based on all the information they had, and that I did everything correctly, they could not see that I would lose. I even sent them proof of delivery that it was made to the credit card address that was on file. They state that the reason the charge was reversed was that no seller protection applies, which I know that based on using their services in this manner, there is none. My concern is that i have won these types of chargebacks before with our other merchant account, and I would like to have proof that this was really challenged at all. Update, they just sent me resolution on another one stating the same thing, so now I am out $1600.
My problem with paypal right now is that I have strong concerns whether anythign was done at all, now especially how they just resolved 2 cases within the past 30 mintues. Am I able to request from paypal proof that they actually fought this transaction. Obviously this was a stolen credit card, but all the information matched up. typically there is something that doesn't, and i would understand it more if that was the case. It is always easy to throw the liability back on the seller, but again when everything on the transaction looks 100% good and I even had proof of delivery to the card holders address that is associated with the card, this should have been a slam dunk on my end.
What is paypal really doing for me. Maybe they are not the best solution?
