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Hello everyone. I sell virtual items (gaming codes, cryptocurrency, other digital items) at eBay. Had few disputes, was fighting tooth and nail, provided all the possible evidences of delivery: transaction hash, screenshots, messages from buyer and so on. Lost every dispute.   So, my questions are:   1. How can I prevent "unauthorized payments" or win this type of disputes: PayPal itself doesn't validate the buyer identity (even with a simple SMS code) before allowing a payment. And when I receive the payment I never know: should I send the item or not. If I would know the buyer's phone number (attached to PayPal) - it would be great - I could validate his identity at my own (by sending SMS or calling) - but PayPal doesn't let me know it (due to security reasons, what an irony). If I will send a "special secret code" to my buyer's email, and he will confirm it - will it help me anyhow to win the dispute? Like "look, he confirmed his email, it was not an unauthorized payment, it was the real owner!"   -- if there is no solution, then it looks like a collusion between scammers and PayPal: because PayPal gives them an easy way to steal money from credit cards, and restricts sellers from defending themselves. It's weird and unfair.   2. How can I win a "didn't get the item" dispute? Few times my buyers claimed "I didn't get my cryptocurrency" - and I was trying hard to prove the fact of delivery (transaction hash, screenshots, messaging) - nothing helped. The PayPal support asked for "any proves of delivery" - but it is still unclear what exactly did they want me to send? If there are any certain criteria for cryptocurrency (like transaction hash, my transaction history, whatever) - why didn't they ask for it? If there are no certain criteria, and it's impossible to prove/disprove the delivery - how is it possible to prove the fact of NO delivery? And, finally, how is it possible to judge wheither the item was delivered or not without those certain criteria?   -- if there is no solution for this question: this situation looks unbalanced, because every buyer can purchase numerous virtual items, use it and claim he didn't receive anything. PayPal should either announce the criteria to prove the delivery, or just stop judging such claims - it would be at least fair.   ... View more

Hello, I've got a question   I sell virtual items at eBay, and I'm afraid of chargebacks after unauthorized payments. This post is about _really_ unauthorized payments (when the buyer's account was really hacked)   Problem: PayPal allows hackers (having only PP login & password) waste someone's money without any questions verifications (at least, SMS code?) -- and as a result I am (as a seller) have to pay for this. Paypal loses nothing, hacker receives my item, the real account owner gets a refund via chargeback - and I pay for this madness.   Question1: can I protect myself from unauthorized payments? (I had an idea to call the customer / send SMS (his phone from ebay shipping address) and make sure he is the real owner, but it's so simple to change the ebay phone to a fake one - without any confirmations - so I can't be sure that this phone wasn't changed by a hacker); Also, there is no way to get the PayPal's account phone number; So, can I somehow prevent this situation?   Question2: is it even possible not to lose my money in case of unauthorized payment? I can prove that I have really sent the item, but the shipping address is not the same (of course) for virtual items - so I doubt that paypal will do anything to protect me or prevent this situation in future.   // Please, do not answer with "just don't sell virtual items" - I'm not interested in these helpful tips ... View more