Just curious, can credit card payments be cancelled in any way after it is made, assuming it wasn’t stolen and was used by it’s rightful owner?
More specifically, I am wondering if someone can weasel out of a PayPal payment for purchasing something on Ebay AFTER the PayPal payment has been made. Ex: can they pay ya on PayPal with their Credit Card, and then cancel it after they received the item (assuming item is an electronic email and can be received instantly)
You can “charge back” any credit card payment by calling your issuing bank and claiming some issue with the transaction. The bank will want to know why you’re doing it, and valid reasons usually include things like merchandise was never delivered, did not authorize the charge. You generally do not have to offer any proof, just call and ask.
However, the merchant can challenge the chargeback if they can demonstrate proof that the customer presented a valid credit card and the merchant complied with the transaction. Chargebacks of online payments are harder to refute since the merchant can’t prove a card was present. (Many online merchants are now using the CID numbers, which the associations do accept as equivalant to a card-present transaction.)
I do not know how PayPal works, how aggressively they challenge chargebacks, or whether they collect CIDs. I managed billing and payments software for an online merchant for a few years.
Paypal is renowned for allowing eBayers (and presumably anyone) to chargeback without question … go to the eBay message boards and search on “Paypal chargeback”. :rolleyes:
That has happened to me on 4 different occasions now and it pisses me off to no end. I got only one of the items returned, the other 3 flat ripped me off. Anyone that feels that have to weasel out of a legitimate auction should be hogtied. Paypal always sides on the side of the bidder and it is worse since eBay bought Paypal. If you win an auction and change your mind, tell me. I can relist for free or offer the item to other bidders. If you decide you don’t want the item send it back, no explanations required. I will refund your money including the shipping. Personally, it would like to see the Mods shut down this thread. It is just a way telling folks how to steal stuff.
" Ex: can they pay ya on PayPal with their Credit Card, and then cancel it after they received the item (assuming item is an electronic email and can be received instantly)"
What item is an electronic email? Never heard of that unless its one of those ‘free info’ auctions. If the person got the item they bid on & then issue a charge back then that doesn’t seem fair to me.
"Understanding Chargebacks and Your Risks
Anyone selling online will eventually encounter chargebacks, but many sellers do not fully understand what a chargeback is. We’ve provided the overview below so you may better understand chargebacks and hopefully avoid chargeback-related losses. "
There are many software auctions on eBay and the software is sent by email or a code is given to download the software from the seller’s site. The OP wants to stiff a seller on eBay, nothing else. Time to email the mods.
I challenged a payment on a repair done on a vehicle. The dealership replaced and repacked wheel bearings on my CJ7.
Within a week, my left rear wheel, hub and whole caboodle nearly fell off. The wheel had a good inch of side to side play. Could of killed me.
I had lost my receipt for the repair work.
I called the dealership and explained the problem, and told them that I had lost my receipt. They told me that their copy of the receipt stated that I needed new hubs. And that I had refused the work.
I got a copy of their receipt, and sure enough, it said that I had refused the extra work. They never asked me about it, or told me extra work needed to be done.
Then, I found my copy of the receipt. Their was no mention of the bad hubs, no mention of extra work that needed to be done.
They had doctored their copy. The dealership committed fraud.
I was stunned, and more than a little pissed off. It was a soft top Jeep. If a wheel fell off it would probably roll and maybe kill me.
I called the DA and reported the place. And explained the whole thing to my credit card company. Had to write a few letters.
I told the dealership that I was contesting the charge - in full. They told me that if I contested the charge, they would never work on my Jeep again.
“No Shit”
Since they nearly killed me, and then forged the receipt, I was pretty sure I was not going to have any service done by them again.
Thanks for the link, handy, was pretty much what I was looking for. As for whether the people buying from me will chargeback on me, only time will tell. First time selling something online, so I was nervous about it.
You’ve read more into the OP than what’s there. I assumed it was a seller who was wondering if he should allow buyers to pay with PayPal, or just go check/M.O. And if you look at his follow-up post, that seems to be the case.
There is nothing illegal about charging back a credit card payment per se, so nothing here violates the board rules.
Having dealt with chargebacks a lot, the thing is there is NO signature. This makes it pretty hard to deny a chargeback.
I had a friend and whenever he was low on cash and needed gas, he would simply pay at the pump. Then the bill would come he would dispute it and say “Ok I’ll pay show me my signature.” He always won.
In the last hotel I worked at to bill a no show you needed a VALID, address and phone number. So many people gave fake phone numbers. We lost those if they charged back.
Most of these people made two reservations and chargeback the higher rate.
What I would do was put them in a database and stuck that option into our res system and flag it. So they could never stay again WITHOUT paying up front first.
This decreased it a lot.
I Found AMEX will fight tooth and nail for their customers. That is why it charges a fee and costs. But believe me if you have ANY problems AMEX will go to bat for you so much more than Visa, MC or Discover.