I post my experience to remind every seller who uses PayPal as payment collection. 3 months ago, a customer purchased some items from my store using her credit card through PayPal. And she received the goods, which she admitted and confirmed on WhatsApp for several times. But 3 months later, she filed a chargeback from her bank with the reason "unauthorized purchase" and opened a dispute case from PayPal. Though I uploaded clear, full, evidence to appeal, PayPal still made a refund and even gave me a $8 penalty. PayPal staff refused to reopen the case after I called them, because: The chargeback process is initiated outside of PayPal, between the card issuer and their cardholder. In a dispute over a chargeback, the decision is ultimately made by the card issuer and we don't decide the outcome. Unfortunately, the issuer has ruled in favor of the buyer. PayPal charges a fee (based on the currency received) to the seller when the buyer files a chargeback with his/her credit card issuer. I then asked for the banks' information, and was also refused by PayPal. They suggested me to contact the customer for it. Unfortunately, the customer is very likely a scammer, and she has stopped communicate with me, and of course would not tell me her bank, since she filed a false chargeback. So I came to this conclusion: if a scamer did a purchase with their credit card through PayPal and filed a chargeback through their bank with the reason “unauthorized purchase”, they have a 99.9% chance to get a full refund. When this happens, PayPal will do nothing to protect the seller no matter how big a amount you lose. Am I right?
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