PayPal Community

@DPCreations wrote: @JonnyFive From your original post I thought your were the one who sold the code to another buyer and it was your buyer who displuted.   Based on you last explanation it seems you are the buyer and you have a dispute with the saller.   So stilll confused.   For the purposes of my question, it does not matter who I act as in the transaction, and it has no bearing on the answer. The question still remains, who wins, buyer or seller? If you need a role-play, you can assume I am the supplier (seller). ... View more

@DPCreations wrote: At this point I'm really confused; the OP has changed, explained, and re-explained so much from the initial post, I have no clue what happened. I think you might be confusing yourself. If you need clarity, please specify what is confusing to you and I will explain it for you.   To recap: The transaction is between a supplier and a company, for a gift card delivered electronically, and the transaction is paid for via paypal balance and paypal mass payments. That's all there is to it. Who wins a buyer claim since neither is covered? ... View more

@sharpiemarker wrote: When you say there won't be a chargeback, then you are talking about a dispute between the gift card code seller and their vendor?   Or are you saying the end user?  The one who actually receives the code to use after payment for it?  Because they can certainly use a credit card.   I am talking about a dispute between the gift card code seller and their vendor, yes. Since this transaction is paid for via a paypal balance (a requirement of paypal mass payments), there can be no chargeback. ... View more

@DPCreations wrote: For a chargeback by credit card, which is not a buyer PayPal dispute, the seller would loose.  If the seller could provide proof of delivery, theyn PayPal would reimburse seller for loss to credit card chargeback.  PayPal doesn't really get invoved in the credit card chargeback dispsute.   It would not be a credit card chargeback, as it is a paypal mass payments transaction and the funds come directly from the paypal balance. ... View more

@sharpiemarker wrote: @JonnyFive wrote: Also, just to be clear, within this scenario the buyer and the seller communicate directly. The seller sends a gift card to the buyer, and the buyer then initiates a payment via paypal mass payments. What I'm wondering is if those payments can be disputed and reversed? There is no record of what the payment is for, other than the invoice I email to him, which does happen to be for a gift card.    "and the buyer then initiates a payment via paypal mass payments." explain this...How would mass payments be used in this gift card sale scenario.  Mass payment is for sender to make payments out to multiple recipients though.  If gift cards are not covered then it's a moot question wouldn't it unless PayPal makes decisions on a case by case basis with special circumstances which can be difficult to guess at anyway.  If the buyer don't have PayPal Purchase Protection they will seek out a resolution with their bank or credit card if they have a good case too and make a big enough fuss about it. The buyer is running a gift card reselling business. Paypal mass payments is intended to be used for paying out employees, suppliers, etc. The buyer is using the service as it is intended, and paying out all of their suppliers.   As stated before, paypal mass payments are made directly from a paypal balance, so no bank is involved and no chargeback can be filed. I don't know if this is a moot point, that's why I'm asking - how does Paypal decide when neither party has protection? I was hoping someone would have experience with this before, or that a Paypal representative could weigh in. These changes were only made to the paypal user agreement a few months ago. ... View more

@lancelotme wrote: @JonnyFive wrote: Also, just to be clear, within this scenario the buyer and the seller communicate directly. The seller sends a gift card to the buyer, and the buyer then initiates a payment via paypal mass payments. What I'm wondering is if those payments can be disputed and reversed? There is no record of what the payment is for, other than the invoice I email to him, which does happen to be for a gift card.  if he paid with a credit card,he could file chargeback with his cc issuer. if he wins,there is  a chargeback fee of $20 you will  have to pay. Dont sell anything you cant afford to lose . Paypal Mass payments is made directly from your paypal balance, so there is no bank involved in the payment. ... View more

@DPCreations wrote: I see this as the seller providing a virtual item, a code only.  Seller didn't actually provide a gift card.  As a virtual item, there would be no seller protection as delivery could not be proved. If the seller had actually shipped a physical gift card, the outcome would be different.   The issue at hand here though is that there is equally no buyer protection. My question is how would paypal decide when there is no protection for either party? I could just quote the paypal user agreement that states no buyer protection for the purchase, no?  ... View more

Also, just to be clear, within this scenario the buyer and the seller communicate directly. The seller sends a gift card to the buyer, and the buyer then initiates a payment via paypal mass payments. What I'm wondering is if those payments can be disputed and reversed? There is no record of what the payment is for, other than the invoice I email to him, which does happen to be for a gift card.  ... View more

There is no way to prove who used the gift card. This questions is regarding a case of buyer fraud. It seems that Paypal predominantly sides on the case of the buyer. I am curious though what Paypal would rule when neither buyer nor seller has protections. Are there any criteria that govern such a case?    These new Paypal rules which stripped all seller protections for gift cards have been in place for a few months now. Has nobody come across this yet? ... View more