Re: Can I refund funds that are being held, or will it take them from my bank? [
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ATTENTION TO EVERYONE HERE,
Never ship a product to anyone as your customer until you get your money first, and do not use PayPal whether you're a buyer or a seller. They have a new policy in effect which will rip you off for your money. By allowing your buyers to use that method, you are giving PayPal a chance to take control of your money and you will have to pay an extra fees for the item you sold on Ebay. Remember that PayPal is the middleman between you and your customer, it's not recognized by FDIC, nor does not have an automatic or a gateway payment setup for your bank. So if PayPal holds your money and you ships the product right away, your buyer can file a dispute or chargeback claim, and PayPal reserve a right to refund the money for any reasons while your buyer takes or keeps the product. When this happens, you will lose your money plus you will have to pay a chargeback fee.
the buyer pays for the product, and guess who gets the money? me as a seller, or PayPal? why would PayPal put my money on hold for 21 days if it wasn't for the product he was paying for? Because PayPal is doing this to allow dispute or chargeback claim, then gives the money back while telling me I have to ship the items first. No way, I will never ship the items before someone pay for it first. Remember the old saying, "You get what you pay for," which means paying for it comes first before you get the product. Then I do an invoice to confirm the product was paid for, then I ship the product. That's where money should come in.

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