Have another look at the PP refund process. Refunds can be made through PP WPS accounts and fees are returned also.
See "If I send a refund and it is accepted, are the fees from the original transaction credited to my acc...
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Note if you are using so called plain text button forms, ie NOT EWP encrypted, NOT account button wizard encrypted, NOT "saved hosted" button wizard html forms, it is possible for script kiddies (inc general low iq idiots) to copy your form even on their PC desktop and after making changes submit their remote copy of the form design.
But realize, squilions of dollars are earnt by happy PP clients like your selves using the WPS pay button forms every year (er, that's overall not squils each).
The more experienced webmaster realises that with PP the refund process is easy, and if the payment was for a product one MUST use proper result reconciliation no matter how confident one is. At the end of the day that is where the buck stops(!!), result checking.
Programmaticly that can be as easy as implementing IPN notifications, with the server side processor script performing fundamental checks of receiver address etc PLUS the total cost received compared to the product ordered. If there is a problem detected don't ship the product and have an email sent to you warning you of the possible nong attack. If it is an obvious attack activate a "refund".
Really, if you are impatient, think everything should just happen easily and no extensive checking should be required, you shouldn't even own a computer. Don't blame stuff on others or other systems where money transactions are concerned. YOU (or your code) MUST CHECK PROPERLY BEFORE SHIPMENT.
So all the kiddie attack suggestions above can be considered as common, not terrific, but still common.
PS Edit: For general good-guys use of your pay button forms, apply some basic Javascript checking of the forms before they are submitted. As one person above suggested some just inattentively do stuff like enter 1 instead of 10.00 etc; it happens all the time. So a bit of Javascript can in *most cases sort that out for you especially where you are expecting the customer to enter summink in a text box (*Javascript can be easily circumvented if somebod really wants to).
See skier's web site for form samples many accompanied by easily adjusted Javascript ideas.
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PS EDIT: I forgot this most important bit....
Chargeback Fee
To cover the cost of processing chargebacks, PayPal assesses a fee to sellers for credit and debit card payment chargebacks. (A chargeback occurs when a buyer rejects or reverses a charge on his or her credit card through the credit card issuer). So it is not hard to understand why many sellers insist on only buyers using a PayPal accounts!!
So it is always worth initiating a refund as quick as possible when the need is obvious.
This Fee is based on the currency received as follows:
Argentine Peso: 30.00ARS
Australian Dollar: $15.00 AUD
Brazilian Real: 20.00 BRL
Canadian Dollar: $15.00 CAD
Czech Koruna: 250.00 CZK
Danish Koruna: 60.00 DKK
Euro: €11.25 EUR
Hong Kong Dollar: $75.00 HKD
Hungarian Forint: 2000 HUF
Israeli Shekel: 40.00 ILS
Japanese Yen: ¥1,300 JPY
Mexican Peso: $110.00 MXN
New Zealand Dollar: $15.00 NZD
Norwegian Krone: 65.00 NOK
Philippine Peso: 500.00 PHP
Polish Zlotych: 30.00 PLN
Singapore Dollar: $15.00 SGD
Swedish Krona: 80.00 SEK
Swiss Franc: 10.00 CHF
Taiwan New Dollar: 330.00 TWD
Thai Baht: 360.00 THB
U.K. Pounds Sterling: £7.00 GBP
U.S. Dollar: $10.00 USD
This Fee does not apply if the transaction is covered by PayPal’s Seller Protection Policy (eBay items).
Regards,
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