Paypal, what can I do about this Credit Card chargeback settlement fee?

[Siruthuli]

Hi guys,

Someone sent me ?81.00 for doing a web design. He had sent it from a hacked account. The money was sent via paypal.

I then had a chargeback saying the payment was unauthorised. So ok, I refund the amount.

But then paypal writes
"The credit card company charged a settlement fee, and as a result, we
debited your PayPal account to cover this fee. This is in accordance with
the terms of the PayPal User Agreement."

And charges me "?15.19 GBP" for it!

What can I do. I definitely don't want to pay this shitty amount for something which I did not do wrong!

Siruthuli Reviewed by Siruthuli on 12th Mar 2012. Paypal, what can I do about this Credit Card chargeback settlement fee? Hi guys, Someone sent me ?81.00 for doing a web design. He had sent it from a hacked account. The money was sent via paypal. I then had a chargeback saying the payment was unauthorised. So ok, I refund the amount. But then paypal writes "The credit card company charged a settlement fee, and as a result, we debited your PayPal account to cover this fee. This is in accordance with the terms of the PayPal User Agreement." Rating: 5

[RT]

I don't think you can do anything about it, just be careful when you do business in the future.

[sniffdog]

These fees belong to the standard procedure for chargebacks. Only accept payments from Paypal balance.

[t3od0r]

These fees belong to the standard procedure for chargebacks. Only accept payments from Paypal balance.

How to accept only from paypal balance? How we know they use a credit card or not?

[cyber-cliff]

what if you widraw all the money and nothing left in your PP? still they charge you back?

[sniffdog]

Yes, you will end up with a negative balance with a friendly request of Paypal to fill up your account.

[Siruthuli]

My balance is in Negative. As you withdraw money, your address is correct. So if you close your account even, they will send you a letter and ask for the payment There is no way out. Only way, QUIT paypal for ever, they are the most unsafe payment processor for any seller online.

[cyber-cliff]

wtf! ok now i know.. thanks!

[0ccul7]

Call up Paypal, and tell them what is the issue. Don't sound like a chicken and be a bit more like they did the wrong thing.

Sound furious about your money and tell them what actually happened.

Should help you.

Or else, nothing to do

[Siruthuli]

Call up Paypal, and tell them what is the issue. Don't sound like a chicken and be a bit more like they did the wrong thing.

Sound furious about your money and tell them what actually happened.

Should help you.

Or else, nothing to do

The issue is.

When we registered for paypal, we clicked the "I accept paypal's terms & Conditions Agreement. That long section yeah.

On that User Agreement, there is one section:4.4 Risk of Reversals, Chargebacks and Claims.

Which says

The receipt of a payment into your PayPal Account does not equate to the receipt of cleared funds. A notification that E-money has been sent to you, does not amount to a receipt of E-money in your Account unless you have accepted the payment. You acknowledge and agree that a payment transaction is completed and received by you even if it becomes subject to a Reversal, Chargeback. Claim, Reserve or hold. When you receive a payment, you are liable to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if you lose a Chargeback or Claim and you are not entitled to a payment under the Seller Protection Programme, you will owe PayPal an amount equal to the Reversal, Chargeback or Claim and our Fees per section 8 (including a Chargeback Fee if applicable) and PayPal will debit your Balance to recover such an amount. If a sender of a payment files a Chargeback, the credit card company, not PayPal, will determine who wins the Chargeback. You can find out more about Chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Centre and the section called: ?Selling Safely?. The PayPal Security Centre is accessed via the PayPal website.

---------- Post added at 04:45 PM ---------- Previous post was at 04:33 PM ----------

Ok, I did call them, and the person ends up saying "Hello" "Hello" "I can't hear you" "I am going to release the call because I can't hear you" and shit