You make me laugh. You spend so much energy defending Paypal without understanding the business that you lose all credibility. What I remember from this situation is when we accept a payment by PayPal we also depend on the issuer of the credit card used for the payment (As you mentioned) a buyer using paypal can claim fraud on his credit card to get a refund. Thank you having confirmed this paypal can evoke a dispute with the credit card company to charge litigation fees. Finally I remember that a 0.35 + 2.9% commission offers no service and no interest for a seller compared to a 0.15 + 1.2% commission on a bank card. And because one should never make a statement without taking a decision I will remove paypal from the payment methods of our sites Paypal represents 25% of the transactions, I risk losing 10% of my transactions. But I will improve my net margin I will spend less time resolving disputes (15 of which 14 were resolved in our favor : 0,06% of our transactions) and I will be able to devote myself to regaining the 10% of lost transactions. ++ I notice that it is easier to reach Paypal on a forum (by communicating with disguised community managers) than on the customer service.
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