Paypal refund money policy. Refund after 4 months of service use.

[balticservers]

Greetings,

We have an issue with Paypal's refund policy. The sithuation is:

In June, the customer bought server from us. Everything was fine, but after one day's PayPal froze the money to investigate.
We asked the client to send us the personal document copy to investigate his contacts and data. We got it, all data in document was the same like in our billing account and in Paypal paid invoice.
Paypal has released payment after investigation. Everything was fine, customer got server and we forgot this situation.

But in Oncober we got refund. What have we got:

Hello ******** **********,

We were recently notified that one of your buyers filed a chargeback and asked the credit card issuer to reverse a payment made to you on Jun 25, 2011.

The buyer claims that this purchase was made without authorization to use the credit card. Their credit card issuer needs additional information from you about this transaction.

-----------------------------------
Transaction Details
-----------------------------------

Buyer's Name:You She**********
Buyer's Email:youshe******@yahoo.ca
Buyer's Transaction ID: 04A3588**********

Transaction Date:Jun 25, 2011
Transaction Amount:-***.00 EUR
This Email date: 2011.10.20 17:20

Well, we sent to paypal an explanation about situation, customer personal document copy, IP log - all needed information and more. But PayPal just close the ticket without any explanation

We lost money and we have not received any explanation why...

I want to ask you: How we can protect ourselves from similar situations? Do any one have similar experience with paypal?

balticservers Reviewed by balticservers on 9th Nov 2011. Paypal refund money policy. Refund after 4 months of service use. Greetings, We have an issue with Paypal's refund policy. The sithuation is: In June, the customer bought server from us. Everything was fine, but after one day's PayPal froze the money to investigate. We asked the client to send us the personal document copy to investigate his contacts and data. We got it, all data in document was the same like in our billing account and in Paypal paid invoice. Paypal has released payment after investigation. Everything was fine, customer got server Rating: 5

[SairasAnanas]

Maybe he/she was using stolen paypal.

[vizoomer]

nah actually many people are doing this .. my paypal has something like -170 5-6 transctions from 2 guys and for each transction a charge back fee of 10$

it was just like the OP described

[Jesse]

Greetings,

We have an issue with Paypal's refund policy. The sithuation is:

In June, the customer bought server from us. Everything was fine, but after one day's PayPal froze the money to investigate.
We asked the client to send us the personal document copy to investigate his contacts and data. We got it, all data in document was the same like in our billing account and in Paypal paid invoice.
Paypal has released payment after investigation. Everything was fine, customer got server and we forgot this situation.

But in Oncober we got refund. What have we got:

Hello ******** **********,

We were recently notified that one of your buyers filed a chargeback and asked the credit card issuer to reverse a payment made to you on Jun 25, 2011.

The buyer claims that this purchase was made without authorization to use the credit card. Their credit card issuer needs additional information from you about this transaction.

-----------------------------------
Transaction Details
-----------------------------------

Buyer's Name:You She**********
Buyer's Email:youshe******@yahoo.ca
Buyer's Transaction ID: 04A3588**********

Transaction Date:Jun 25, 2011
Transaction Amount:-***.00 EUR
This Email date: 2011.10.20 17:20

Well, we sent to paypal an explanation about situation, customer personal document copy, IP log - all needed information and more. But PayPal just close the ticket without any explanation

We lost money and we have not received any explanation why...

I want to ask you: How we can protect ourselves from similar situations? Do any one have similar experience with paypal?

Paypal just passes the info alone to the credit card company. They have nothing to do with the process after that nor will they even be notified what happens in the end.

[nba517]

paypal sucks,fee is high and your account can be limited anytime

[jayfella]

PayPal cannot and do not provide any guarantee for "non-tangible goods" - good that are not physical. You must have your own verification systems in order to determine whether the payment is legit or not. You can do simple checks like IP versus the address. This will counter-act the majority, but not all fraudulent payments. Inevitably, you cannot do anything about it. The only way to do so is use a third party payment processor. They take a percentage, but in return you get a company that works with "non-tangible goods" and an anti-fraud system.

[KuKlux]

it is very hard to do business with PayPal. You need to pick proofs about all money transfers, because you'll never know when you will get refund

[LuDo8]

PayPal is NOT your Pal!

[Prazsky]

Paypal can't actually do anything if a customer files a chargeback with his credit card company. The bank issuing the credit card takes the money from paypal in such cases and paypal is left with no choice but to take money from you to recover the losses.

If the customer files an unauthorized payment complaint with paypal, then you might stand a chance because paypal investigates and later decides whom to side with.

[Turelio]

We had many similar situations.
Nowadays there is a lot of stolen CC's etc. You have to be more careful. And always check client before you deliver services.
I'm telling this from our experience, since we had issues after 6 months from date of payment.
If he pays over CC request that name in your panel and name on cc are same, also do a small conversation with client to make sure he is serious.
And do not accept stories like "my friend will pay for me, etc" and then after couple of months you get dispute from PayPal / CC Company and you do not have proof, since his "friend" paid for him And in meantime he already cancelled services.