Brushing up on eBay/Paypal queries

eBayRipOff

Correct Stevew,

By the way I have seen transactions with Unconfirmed address, however still eligible for seller protection, so you need to check each transaction!

If Eligible, than just follow Paypals instructions and you should be ok, normally it says Ok to post, eligible.

But there is no reason that an UK account should not have a Confirmed address, however follow Paypals advisory like robot, and you will be fine!

Jen_Jen1985

Just because a buyers address is unconfirmed does not mean you are not eligible for seller protection.

quote from paypal if you click on the blue question mark where it says confirmed/unconfirmed next to an address

There are many reasons why a buyer’s legitimate address may be Unconfirmed.
For example:

• The buyer may have recently added the new address to the PayPal account.
• The buyer lives in a country where address confirmation is not available. (At this time, only addresses in Canada, the United Kingdom and United States can be Confirmed.)

as long as you send to the address given in paypal and get tracking or POP depending on item value you will be fine. (and yes I know POP does not defend an INR but you can claim your loss from royal mail and it will defend a charge back).

eBayRipOff

Jen;

That is incorrect, as that has nothing to do with Paypal seller protection. When you check your transaction details it will say Seller Eligible, this will only occur if eBay/Paypal have been able to verify the address in some way, unless this has been done, it will say Not Eligible!

Of course Paypal will encourage you to post anyway, because end of the day it is the seller who pays if there is a problem, and it is not covered by the seller protection!

You can only claim from the post office if they have delievered to the wrong address, if you ship the item to the Unconfirmed address, and it is not protected by Seller protection, than it is the sellers mistake, as Paypal have warned you in their policies what you have to do to be eligible for seller protection.

Many times an unconfirmed address can be good, but if Paypal does not give you protection for it, than that is because something is not correct on their system when they checked it. You send it to that address, and somebody picks it up, later somebody claims a charge-back, and says their account was hacked or that they did not authorize the transaction.

What eBay does now does, is match the address in eBay and Paypal, normally Paypal have higher criteria to confirm your address, and if these match, eBay will with Paypal provide seller protection even if the address has not been Confirmed.

However normally this requires that the Paypal account has been Verified!

However it is a big chance that it will say Not Eligible in Paypal, when the address is not Confirmed, and if this is the status than you have no come-back if somebody reports it as non-authorized transaction.

Have in mind there are many who have their accounts hacked, people go on eBay/Paypal change the details and make purchase, end of the day seller is always the looser in such cases.

StaffsSW

Rather than take in lots of opinion/conjecture/misunderstanding/false information - here is a direct link to the Paypal Seller Protection page.

https://cms.paypal.com/al/cgi-bin/?&cmd=_render-content&content_ID=ua/UserAgreement_full#9.

eBayRipOff

https://www.paypal-marketing.co.uk/safetyadvice/SellerProtectionOnEbay.htm

This is probably the most important link for seller!

You may already take steps to protect yourself when selling on eBay, but PayPal Seller Protection can provide an extra safety net to cover you against potential losses due to buyer claims, chargebacks or reversals.

PayPal Seller Protection can help you hold onto your money

There's no annual payout limit for PayPal Seller Protection and you can post to buyer addresses in any of the 190 countries where PayPal is accepted.

Remember that PayPal Seller Protection is independent of Buyer Protection, which means we're on your side too. Just take the steps below when you're selling, so you know you're covered.

KEY RULES OF SELLER PROTECTION

HOW IT WORKS


First you need to make sure the item is 'Eligible' for Seller Protection by checking your 'Transaction Details'. Log in to PayPal, go to your Account History and click on the 'Details' link next to the transaction.


Retain online trackable proof of delivery, such as Royal Mail's Recorded Delivery. If you hand deliver an item or post it in any other way that cannot be tracked online, your transaction will not qualify for Seller Protection.


Post to the buyer's address provided in the 'Details' link in your account history.


For transactions with a value of £150 or more, you need to provide proof of signature from the recipient if the buyer claims that the item did not arrive.


Post the item within seven days of receiving payment.


Only accept payments in full from a single PayPal account.


During a dispute process, please respond to all PayPal enquiries within the given deadlines, as disputes need to be resolved within a specific time frame.

antispam246

eBayRipOff wrote: »

As a seller for over 10 years on eBay/Paypal, beware the traps.

When it comes to eBay/Paypal seller protection, you must tick all the boxes.

https://www.paypal-marketing.co.uk/safetyadvice/SellerProtectionOnEbay.htm

And you must be aware of what this means. Now normally when transaction has been made on eBay and paid by paypal, you will see in Paypal either
"Seller eligible for seller protection!" or
"Partially eligible" or
"Not Eligible"

Now there are cases where the 2 bottom ones are perfectly legitimate transactions, but they should go as a warning that you need to do some more research.

Paypal does have a clause "Post to a confirmed address, as displayed in 'Transaction Details'. This ensures that the item goes to the buyer at an address we have details of."

This is if transaction is between USA, Canada and the UK, however eBay with Paypal give extended protection to other countries when certain criteria have been met by the buyer with regards to them registered their details so they all match up between eBay and Paypal, then Paypal also provide Seller protection to other countries.

You need to take your own risk assessment, but beware, do not get tempted by the money, as the risks are sometimes big for high value items.

My advice if it is an expensive item, never accept to post item when it is says not eligible for seller protection, the chances are to high that it can be a fraudulent transaction. I would say this will probably be 70 - 30%, towards fraud, so if you against all odds want to do the transaction ask for ID, copies of utility bills (multiple), put this in the description that unless buyer meets certain criteria you reserve the right to request additional documents or cancel the transaction unless they meet this criteria, of course you can offer them alternative payment methods, such as bank transfer, cheque, bankers draft or cash on collection. Make this clear in the description, if you are not happy with what comes from Paypal, you have the right to refuse the transaction, if you suspect you might receive charge-back from a strange transaction.
If you call Paypal for advice, they will tell you, this is up to you, they might give you some impartial advice from what they have on they system if it looks very dodgy, it has happen, specially if the items have high value.

Now when Partially Eligible, you are only protected against items not received, you are not protected if the buyer is fraudulent! (Charge-back)
I would say in this case request all the extra documents, and your odds are a bit better, because you have some confirmation about the person, but request ID, utility bills, if anything does not add up cancel the transaction, better to go without a sale than loose much money.

In the third case when says Seller protection eligible, just make sure you follow ALL guidelines by Paypal, if international above a certain value,(£150) it must be by Fedex, DHL, UPS or Parcelforce, because must be able to track it online and get a signature, using Royal Mail International Signed for or Royal Mail Airsure is NOT acceptable for items above £150 to keep your seller protection.
Also post item within 7 days.

Paypal will not care, if you do not follow exactly by the word what they say, they will not protect your money.

Yes you can cancel transaction if you suspect the transaction might be fraudulent, which is the major issue here. Put these seller rules in stone when you advertise, this way buyer should have read this before he bid or make offer, you are selling items on your terms, and it is up to the buyer to accept these!

Thank you that was really inciteful. Quick query, is there anyway to establish if your eligible for seller protection prior to a auction ending? Basically can you check the paypal/seller details of the high bidder at any point? I'm thinking not but I'd rather know for sure.

Again, thank you for your post, it's genuinely helpful.

antispam246

steveE2 wrote: »

1) Confirmed addresses haven't been used by paypal for about 4 years now,so you cannot refuse to sell on those grounds
Yes the buyer can neg you and hit DSR's if you don't complete the sale and report you as a Non Performing Seller.

2) Correct 4 days exactly to open then a further 4 days exactly when you can close the case,if you leave it to close by ebay automatically I have known it take 5 days but this is rare.

3)
a) 45 days(+45 days to appeal decision on either side)
b) 45 days from date of payment(+45 days to appeal decision on either side) except for unauthorized charge backs which can be 12 months +

Thank you, just a verification on question #3 are you referring to paypal or eBay? I'm asking what the limits are on eBay not paypal, just to be clear.

antispam246

stevew8975 wrote: »

I'm no lwayer, or even a bedroom-barrister like many, so I'm not sure of the legalities of such a clause in your listings, but as far as ebay is concerned, you are entitled to cancel a sale for that very reason, just as I am doing at this very moment!

I've never noticed this, although I've never had to cancel for this, yet. So in this light, if eBay have this as an option, where do I stand with question #1? Example, If I cancel based on this reason, that eBay list, I'm assuming the seller can't refuse unless they want to lie? Is that how it works? I'm cancelling because the address is unconfirmed, so if it is indeed unconfirmed, what happens next? Are eBay stating this is an eligble reason to cancel or is it a meaningless entry?

StaffsSW

antispam246 wrote: »

I've never noticed this, although I've never had to cancel for this, yet. So in this light, if eBay have this as an option, where do I stand with question #1? Example, If I cancel based on this reason, that eBay list, I'm assuming the seller can't refuse unless they want to lie? Is that how it works? I'm cancelling because the address is unconfirmed, so if it is indeed unconfirmed, what happens next? Are eBay stating this is an eligble reason to cancel or is it a meaningless entry?

I've no idea why the address was unconfirmed, but I contacted the customer (who was in the UK) and explained that I was not covered for seller protection, and sent them the details to update/verify their paypal account. The next thing is that I get a request to cancel the sale as they have bought it from elsewhere.

Since posting that screenshot yesterday, the final value fee has been refunded and the mobile phone relisted.

eBayRipOff

Stevew;

For what it is worth I believe you did the correct action, buyer might have been legit, however the odds are stacked against you. It is very simple process for buyer to Confirm and Verify their account.

PayPal does not use the term Confirmed as much as before, but it is one of the important Criteria buyers must perform to make sure seller is eligible for seller protection.

Many sellers are unaware of these procedures, and think they are protected without knowing the rules, that is the main problem.