After what I just experienced this week with eBay and PayPal, I can honestly say I am done using both services permanently now. Long story short, I sold two digital codes that I had, sent buyer message with code, buyer responds back several minutes later that their account was "hacked". eBay rules in my favor so then buyer files claim with PayPal and PayPal states intangible goods are not covered (oh but they are covered per the April 13, 2020 update) and on top of this, PayPal now charges a $20 chargeback fee to seller, is this not hilariously outrageous? Sellers now incur a $20 fee even if a buyer was "hacked" bc they chargeback, I mean lmao, now we are charged a fee for something that is 100% out of our hands? Class action lawsuit all but guaranteed on the ethics of this chargeback fee practice.
Here is what has been made evident:
- eBay offers ZERO seller protection when PayPal is used as payment as I lost items without compensation as eBay has no actual jurisdiction on PayPal funds
- I could see this same scenario playing out with loaded collectibles as even though the actual coin was delivered, if the buyer claims the "digital money" was not on there, I could see the clown at PayPal reviewing the case claiming intangible goods not covered to the same extent as this.
- Your only chance of survival is honest buyers
I have filed several claims against PayPal in regards to failure to honor Seller Protection Policy and the chargeback fee that is uncontrollable. Funny thing is, I actually saw I lost the dispute and didn't know about the update to intangible goods policy and was like eh oh well but then I saw the $20 fee I had to pay for being scammed and that's when I went on my witch hunt for evidence. Will update if anything comes of this, but sellers beware.
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