Hello @PayPal_Michael , We have a similar problem as @DjLol . We are also from Singapore. We have a merchant account and a web-shop. Back in May , we received 4 payment transactions of S$0.10 per transaction for non-existent SKUs, and we informed Paypal immediately that we received suspicious transactions on our account, however we only received a robot response without any useful information on how to resolve it. On 21 Aug 2020, 3 months after, we received 4 emails from Paypal, each informing us that the "buyer" has disputed the transactions as unauthorized payments and has filed for a charge-back of S$366.66 per S$0.10 payment. When we attempted to respond to this dispute, the only options given to us are as follows: 1. I've already shipped the product or provided the service 2. I've already issued a refund 3. I'll issue a refund to the buyer and close this case Option 1 is not applicable to us because the sales transaction was not generated through my web-shop, the order details in the payment was for an SKU that does not exist in our catalogue. Secondly, the transaction incurred a Paypal fee of S$0.10 and the Net Amount was S$0.00. Thirdly, the "buyer's" payment was sent directly to our Paypal account, it did not go through our web shop. Option 2 We did not issue a refund to the original payment as we were concerned that this is a fraud attempt probing for active Paypal account and if we refunded this it would reveal that there is an active Paypal account with our email address. Therefore we wrote to Paypal asking for advice on how to settle this issue but we did not get any response to help. Option 3 If we select this option, we were worried that we would be refunding the "buyer's" disputed amount of S$366.66 for each of the S$0.10 transaction. Out of all the above options, we cannot select any. We tried to look for a Paypal contact point or person/team , but we cannot find any point of direct contact that is not automated. We would appreciate you could advise us on the above.
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