PayPal Community

jaglover · ‎Oct-25-2013

Update: Credit where credit's due... This morning I received another chargeback claim, again 'not authorised'. I rang Paypal in a bit of a temper and gave the rep a hard time - even though it's not his fault. Anyway, based on the tracking data I've uploaded and other information I've given them Paypal have 'protected' me - i.e. they have put the funds back in my account - although the actual chargeback disputes are still open. Thank you Paypal. You're back in my good books. I asked Paypal if they ought to consider allowing a seller to set as a preference on his paypal account as to whether or not he was prepared to accept payments funded by a credit card not attached to the buyer's account. The rep said he thought Paypal wouldn't see this as a good idea since they don't want to restrict the ways people buy through Paypal. I also suggested that, if sellers were potentially at risk from credit card fraud, it would be helpful if the notification email, or at least the transaction details page, said what the source of funds was (balance, instant transfer, credit card) so that sellers were forewarned to look more closely at card-funded sales. The rep agreed and said he'd put that forward. Any readers of this post: please mention the same to your rep next time you're on the phone to Paypal.

jaglover · ‎Oct-24-2013

Thanks for your comment - and you're right. I can't dispue the fact that they've covered this in the agreement. Perhaps saying 'Paypal actually wrong' was the wrong way to put it. The type of claim I'm looking at ("the cardholder did not authorise this transaction") is distinct from claims based on goods not arriving or not being as described etc. I don't know what actually happened but a likely scenario is that the eBay buyer used a stolen card to pay for the item. This fraud occurred at the point Paypal accepted the card details, not at the point I accepted the money from Paypal. So my point is: Paypal should change its policy to automatically indemnify sellers against chargebacks where the reason is that the original payment is fraudulent. The justification being that the seller has no control over it but Paypal does, and should be using its due diligence - and the seller has no choice but to trust Paypal in this. I've had loads of sales where Paypal has put the payment on hold for 24 hours while they investigate the transaction because they think there might be something iffy about it. And good for them. But the inference is that if and when they release the funds, they've done the checks. I wouldn't expect Paypal to change its policy on chargebacks for item not received, item received damaged or not as described, etc. obviously - that's my responsibility.

jaglover · ‎Oct-24-2013

After many years of averaging GBP 5,000/month or more with Paypal, I've been hit by my first chargeback 'scam'. At least I think it's scam. The eBay buyer received the goods and even left positive feedback before issuing a EUR 165 chargeback claim with his credit card company. I've learnt some really frustrating things about the limitations of so-called Seller Protection (for example the online tracking that shows the goods were delivered only shows the town name and not the house number or street so paypal says there's no proof of delivery and I'm not eligble). However, what really got me thinking is this: Why should Paypal hold me liable in this case at all? I take credit cards on my web site and I know that if the transaction turns out to be fraudulent I'm liable for it. The The PSP tells me I should carefully examine each transaction, checking all the details like card address versus delivery address, etc.etc. and make my best judgement as to whether the transaction is authentic. All well and good - BUT HOW COULD I DO THIS ON A PAYPAL TRANSACTION? Until the claim was opened I didn't even know the payment had been funded using a card rather than paypal balance - and even if I did, I would not have had the information available to me to make a business judgement BECAUSE PAYPAL DOES NOT REVEAL ANY PERSONAL FINANCIAL INFORMATION FROM THE BUYER. That's actally Paypal's selling proposition, isn't it? Therefore... It's Paypal that made the judgement as to whether the transaction was authentic when they effectively transferred funds from the buyers card to their own account, before then crediting mine. The card transaction was with Paypal, not with me. When they credited my Paypal account saying this was a payment from a Paypal verified member with a verified delivery address, Paypal effectively took legal resposibility for the transaction, or so I think.

jaglover · ‎Oct-09-2012

This is all so tiring. First of all, out of the - whatever it is, 14 million? - total Paypal user base we have no idea what proportion are affected by this. Secondly, we are all whingeing away on a forum run by Paypal, moderated by Paypal, and running on their own servers. What is needed here is a proper independently run and independently funded Paypal users group. It needs to have membership from a large number of users so it represents a true majority opinion and has the authority to make its views heard. If such an organisation does not yet exist someone - maybe me! - should create it. There's no point in having random people ragging on about their fifty quid being inexplicably delayed. We need to have broad data drawn from a statistically relevant cross section of the user community. Feel free to email me any thoughts about this at: paypal-users [at] cka-net [dot] com.

jaglover · ‎Oct-09-2012

This is all so tiring. First of all, out of the - whatever it is, 14 million? - total Paypal user base we have no idea what proportion are affected by this. Secondly, we are all whingeing away on a forum run by Paypal, moderated by Paypal, and running on their own servers. What is needed here is a proper independently run and independently funded Paypal users group. It needs to have membership from a large number of users so it represents a true majority opinion and has the authority to make its views heard. If such an organisation does not yet exist someone - maybe me! - should create it. There's no point in having random people ragging on about their fifty quid being inexplicably delayed. We need to have broad data drawn from a statistically relevant cross section of the user community. Feel free to email me any thoughts about this at: paypal-users [at] cka-net [dot] com.

jaglover · ‎Oct-09-2012

This is all so tiring. First of all, out of the - whatever it is, 14 million? - total Paypal user base we have no idea what proportion are affected by this. Secondly, we are all whingeing away on a forum run by Paypal, moderated by Paypal, and running on their own servers. What is needed here is a proper independently run and independently funded Paypal users group. It needs to have membership from a large number of users so it represents a true majority opinion and has the authority to make its views heard. If such an organisation does not yet exist someone - maybe me! - should create it. There's no point in having random people ragging on about their fifty quid being inexplicably delayed. We need to have broad data drawn from a statistically relevant cross section of the user community. Feel free to email me any thoughts about this at: paypal-users [at] cka-net [dot] com.

jaglover · ‎Oct-05-2012

smurfy, What you're describing is a completely different problem to what's being discussed in this thread. It sounds like the paypal address you sent funds to isn't the one your seller is using. If the seller had configured her eBay account fully there would have been a paypal address there which would have received the funds when you used eBay checkout. The 'unclaimed' thing indicates you made a manual payement, not via eBay checkout. You need to double-check with her what email address she is using to log in to her Paypal account and send funds to that (or use eBay checkout). If you don't want to have to send another payment, then once you have identified the email address you sent to as being different from hers she could add that address to her account (you can have multiple email addresses on an account).

jaglover · ‎Oct-03-2012

Exactly. Even I, Mr. Bl**dy Reasonable, am reaching the end of my tether. I've been a merchant-class Paypal user for at least 12 years and while Paypal has grown into a multi-million dollar, multi-national business it still has the the customer relations performance of a half-*ssed website run by some bloke out of his flat - and I mean no disrespect to all the brilliant little flat-based businesses out there. Let's face it, most of them have to rely on Paypal as well as me. Small businesses make promises to their customers every day. We all run with super-tight cashflow and right now Paypal is not helping us to keep our promises - it's making it harder. For the benefit of those who joined late, let's get this straight. In the past, Paypal had two withdrawal methods. One, which was free, took 3-4 business days to get money from Paypal into a real bank account. The other, which cost a fiver, promised to get money across in one business day but almost always did it in half a day. Thus, we had the option to get money real fast if the business need justified it. The new system SHOULD be the £5 option without the £5. In fact, it's some unpredictable process with the only guarantee being that the money can never be in your account the same day. It's not Faster payments; it's Slower Payments.

jaglover · ‎Oct-03-2012

Hey Paypal, Some time ago I posted a message to this thread that was reasonable, professional and which indicated my understanding of your situation. SInce then, there has been no further input from Paypal moderators and many more posts in this and other threads from angry and disappointed users. Paypal_David, your original post was entirely inadequate but we gave you the benefit of the doubt. However, here we are in October and withdrawals from Paypal remain slow and unpredictable. It is well past time for you to reply to my original post in this thread and give us all some reassurance. Until you do, the flames on this forum will continue to rise, and be indexed by Google in the usual way...

jaglover · ‎Sep-24-2012

without knowing all the details I couldn't be sure but I'm guessing that if you executed a withdrawal to a verified bank account and saw the balance in your paypal go down accordingly, it's the 21 hour one that applies here. Note that it's 21 hours plus up to 2 hours and requires that your verified bank account is accepting Faster Payments (they all do now, I hope).

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