Are vouchers covered by paypal?

geminilady

As the title states just wondered if selling vouchers is covered by paypal if I send them recorded delivery as royal mail recorded does not cover them,was thinking of selling £25 vouchers but could sell £100 and send special delivery but think the smaller vouchers would sell better

MsBlonde

No they're not covered by paypal

forgotmyname

You sell the vouchers the buyer spends them and then claims INR or no funds etc?

geminilady

If i posted recorded they could not say they had not received them.Is there No safe way to sell vouchers ?

theonlywayisup

Protection is somewhat one-sided on Paypal for voucher purchases/sales.

As a buyer there is specifically no protection at all for either INR or SNAD.

13. PayPal Buyer Protection
13.1 What is PayPal Buyer Protection?

PayPal Buyer Protection enables PayPal to make a final decision at its full and sole discretion on any problem raised by a buyer in respect of any purchase paid for using PayPal. The final decision may result in PayPal reimbursing the buyer for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs) and the Payment Recipient bearing liability to PayPal for that reimbursement.

PayPal Buyer Protection is neither a product warranty nor a service warranty. No guarantees are given.

If you are a Payment Recipient, your liability under PayPal Buyer Protection may be covered by the Seller Protection Programme (please see section 11 for more details). Sometimes we may be able (but shall not be obliged) to waive your liability for the reimbursement for other reasons (at our full and sole discretion).

Whether you are the buyer or Payment Recipient, you acknowledge that the Services may be used as a method of payment for a wide and complex variety of types of purchases, both online and offline. Accordingly and notwithstanding anything otherwise in this Agreement, you agree that PayPal may (but shall not be obliged to) at any time and for any reason at its full and sole discretion and without liability:

make a final decision on any problem with a purchase raised by a buyer with a PayPal account registered anywhere in the world (whether under the PayPal Buyer Protection policy or User Agreement of the country of registration of that buyer’s PayPal Account or otherwise) in favour of the buyer or the Payment Recipient. The final decision will always be communicated in writing (which may be by email). In the event that PayPal makes a final decision on the problem in favour of the buyer or Payment Recipient, each party must comply with PayPal’s final decision; and
waive the terms and conditions of coverage under PayPal Buyer Protection (whether stated in this Agreement or otherwise, including, without limitation, the conditions of reimbursement at section 13.4) at any time and for any reason, for the purpose of facilitating the resolution of any problem raised by a buyer relating to a purchase paid for using PayPal. As a non-exhaustive guide, this may include allowing reimbursement for Disputes or Claims raised outside of the timeframes set out in section 13.5 for certain purchases (typically purchases agreed to be delivered or performed outside of the timeframe set out in section 13.5), where we have reason to believe that the buyer did not have a reasonable opportunity within that timeframe to determine that there was a problem with that purchase.
PayPal is not obliged to reimburse you for any costs that you incur to comply with any of PayPal’s requests for cooperation for the purpose of resolving the problem (including, without limitation, costs that you incur to return a SNAD item to the Payment Recipient or another party as PayPal requests), although sometimes it may reimburse these costs.

If you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here and are also accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.

13.2 Is PayPal Buyer Protection right for me?

The outcome of any decision made by PayPal under PayPal Buyer Protection might not always be suitable for your particular needs and you should carefully read this section 13 and consider your options before using PayPal to resolve a problem.

If PayPal is contacted to resolve a problem, PayPal may require you to take an irreversible action to resolve the problem, which might make it no longer practicable in the circumstances for you to resolve the problem in another way. For example, PayPal may require you to return the item to the Payment Recipient under section 13.6.

Please see below for a non-exhaustive list of ways of resolving your problem without involving PayPal.

Resolve the problem directly with the Payment Recipient: Before contacting PayPal about a problem, you should contact the Payment Recipient directly to resolve the problem in accordance with the Payment Recipient’s return policy (if any) as stated on their sales listing, website or other sales literature. If you do this:
the conditions for reimbursement at section 13.4 will still apply (including, without limitation, the timeframe for raising a Dispute set out in section 13.5b). It is your responsibility to keep track of these deadlines; and
there is a risk that the Payment Recipient may require you to take certain actions that could cause you to fail to meet the conditions for reimbursement at section 13.4 (for instance, if (whether as part of the Payment Recipient’s return policy or otherwise) the Payment Recipient directs you (and you proceed) to post an item that you purchased to an address that does not correspond with our record of the Payment Recipient’s address, we may determine that you have not posted the item back to the Payment Recipient in compliance with section 13.6).

If you are a Payment Recipient, as you may be liable for any reimbursement made by PayPal to the buyer, you acknowledge that it is in your interests to resolve directly with the buyer any problem with a purchase paid for through PayPal.
Your statutory/legal rights: You may wish to contact the European Consumer Centre (ECC-Net) at http://ec.europa.eu/consumers/redress_cons for advice on your consumer rights and other legal rights (if you are a UK resident you can also contact the Citizens Advice Bureau by visiting https://www.adviceguide.org.uk).
Card chargeback rights: You may pursue your chargeback rights with your card company or card issuer (if they apply), but if you do so at the same time as pursuing the resolution of your problem (whether through a Claim or Dispute) under PayPal Buyer Protection or if you seek a double recovery, PayPal may close your Dispute or Claim and/or hold you liable for the amount you have been reimbursed under PayPal Buyer Protection, and you will have to rely solely on your chargeback rights.
13.3 What happens when PayPal makes a final decision in favour of the buyer…

If am a buyer? If PayPal makes a final decision on your problem (including, without limitation, a Dispute or a Claim) in your favour, PayPal may (but shall not be obliged to) reimburse you for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs). Please see section 13.4 (Conditions for reimbursement) for details of the conditions of reimbursement.

If I am a Payment Recipient? If PayPal makes a final decision on the buyer’s problem in the buyer’s favour, you will be liable to PayPal for the amount that PayPal may reimburse to the buyer. PayPal shall not be obliged to refund your PayPal fees associated with the transaction or any other fees charged from your PayPal account by a third party associated with the transaction (such as the fees charged by a third party platform on which you make your sale). In some cases (for instance, if you lose a SNAD Claim because PayPal has reason to believe that the item you sold is counterfeit) you might not receive the item back (for instance, a competent authority may take control and/or possession of the item or it may be otherwise irreversibly dealt with).

13.4 Conditions for reimbursement

You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:

Your purchase is an eligible purchase. Purchases of most goods and services are eligible (including travel tickets, intangible items such as rights of access to digital content and other licences), except for purchases of the following :
real estate (including, without limitation, residential property);
businesses (including, without limitation, any items or services forming part of a business or corporate acquisition);
vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats);
custom made items (unless they are claimed to be Not Received);
goods and services prohibited by the PayPal Acceptable Use Policy;
industrial machinery used in manufacturing;
items equivalent to cash (including, without limitation, gift cards);
goods and services purchased using Zong, Website Payments Pro, Virtual Terminal or Personal Transaction payments; and
any wager (whether by way of backing or laying against any outcome or otherwise) and any other opportunity to benefit from a gambling activity.
You sent the payment for your purchase from your PayPal Account to the Payment Recipient’s PayPal Account:
through the Send Money tab applicable to payments for goods and/or services on the PayPal website or app, or the Payment Recipient's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient); and
in one instalment only. Purchases paid for in multiple instalments – like a deposit followed by a final payment – are not eligible.
Your problem is either that:
you did not receive your purchase– “Not Received” (“NR”); or
your purchase is “Significantly Not as Described” (“SNAD”). Further information on what we mean by “SNAD” is set out in section 13.9.

If your problem is a transaction that you did not authorise (including, without limitation, a duplicate or incorrect payment when using the PayPal Location Based Payments Functionality), please see section 12 and visit the PayPal Security Centre at https://www.paypal.co.uk/security. You can report the problem via the PayPal Security Centre or here.
You have followed the process described in section 13.5 (How do I resolve my problem?).
PayPal has made a final decision on your problem in your favour.
13.5 How do I resolve my problem?

Try to resolve your problem directly with the Payment Recipient

Use reasonable endeavours to resolve the problem directly with the Payment Recipient. If you are still unable to resolve the problem, go to the Resolution Centre and follow steps b, c and d.

For a seller, there is nothing which specifically prohibits vouchers, but Paypal do expect the item to be tangible. It hasn't been unheard of for Paypal to rule against a seller as they deem a voucher intangible. It also hasn't been unheard of for a buyer to manage to open a case for SNAD on a voucher purchase.

11. Seller Protection Programme
11.1 What is PayPal seller protection?

If you are the recipient of a payment made by a customer ("Payment Recipient"), we may reimburse you an amount for Claims, Chargebacks, or Reversals made against you based on the following reasons:

A Chargeback or Reversal was issued against you for the reason of an “Unauthorised Payment”; or
A Chargeback or Claim was issued against you for the reason of “Not Received”,
where PayPal receives from you proof that the item was posted or delivered in accordance with the requirements set forth below, subject to the further provisions of this section 11 (including, without limitation, the Eligibility Requirements at section 11.6).

11.2 Availability of PayPal seller protection

PayPal seller protection is available to:

Payment Recipients with registered PayPal Account(s) in the Relevant Countries who receive PayPal payments from buyers making an eligible purchase via eBay (worldwide and everywhere PayPal is accepted); and
Payment Recipients with registered PayPal Account(s) in the UK, Ireland, Czech Republic, Greece, Hungary and/or Slovakia who receive PayPal payments from buyers making eligible purchases outside of eBay.
PayPal seller protection does not apply to Claims, Chargebacks and/or Reversals for the reason that the purchase was Significantly Not as Described (SNAD) nor for items that you deliver or are picked up in person.

11.3 How much protection is provided by PayPal seller protection?

PayPal will pay you the full amount of an eligible payment the subject of the Claim, Chargeback, or Reversal and waive the Chargeback Fee, if applicable. There is no limit on the number of payments for which you can receive re-imbursement under PayPal Seller Protection.

11.4 What happens when a buyer files a Claim, Chargeback, or Reversal?

PayPal will place a temporary hold on the funds in your Account to cover the full amount of the Claim, Chargeback, or Reversal. See section 10.1.d for further details about the temporary hold process.

11.5 If the payment is not covered by PayPal seller protection, PayPal will remove the funds from your Account and return the payment to the buyer. In addition, you will be responsible for PayPal’s Chargeback Fee, if applicable.

11.6 Eligibility Requirements

What are the eligibility requirements for PayPal seller protection?

You must meet all of these requirements to be covered:

The item purchased must be a physical, tangible good.
The transaction must be marked by PayPal as eligible or partially eligible for PayPal seller protection on your Account “Transaction Details” page. If it is marked eligible, protection for both Unauthorised Payments and Item Not Received will apply. If it is marked partially eligible, protection for only Item Not Received will apply.
Post the item to the shipping address on the “Transaction Details” page. If the item is delivered in person or if the Payment Recipient posts the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift” address) then you will not be eligible for re-imbursement under the terms of the programme.
You may access the “Transactions Details” page by logging into your PayPal Account, selecting “History” and then selecting “Details” for the transaction.
Follow the postage requirements described below.
You must accept a single payment from one PayPal Account for the purchase.
Respond to PayPal’s requests for documentation and other information that is reasonably required by PayPal to investigate the matter in a timely manner.
Your primary residence, as listed in your PayPal Account, must be in the United Kingdom and/or Ireland (however, different levels of protection apply for each region, please see section 11.2 above).
Your eligibility is not otherwise suspended.
Eligibility requirements c. and d. above do not apply to any item for which you receive payment through the PayPal Location Based Payments Functionality, provided that you provide to PayPal proof (to PayPal’s reasonable satisfaction) that the item was collected by or delivered to the buyer.

11.7 What are the postage requirements?


Protection for Unauthorised Payment
Protection for Item Not Received
Postage requirements
Proof of Postage (minimum) or Proof of Delivery
Proof of Delivery
11.8 What is “Proof of Postage”?

Online or physical documentation from a postal company that includes all of the following:

A status of “shipped” (or equivalent) and the date of postage
The recipient’s address, showing at least the city/county or postcode (or international equivalent).
Official acceptance from the shipping company (for example, a postmark, a receipt, or online tracking information). Or, if you have Proof of Delivery then you do not need Proof of Postage.
11.9 What is “Proof of Delivery”?

Online documentation from a postal company that includes all of the following:

A status of “delivered” (or equivalent) and the date of delivery.
The recipient’s address, showing at least the city/county or postcode (or international equivalent).
11.10 What are examples of items/transactions/cases that are not eligible for PayPal seller protection?

Intangible items, licenses for digital content, and services.
Items that you deliver (or are picked up) in person (except for items for which you received payment through the PayPal Location Based Payments Functionality).
Transactions made through Zong, Website Payment Pro (PayPal Direct Payment and Virtual Terminal).
Claims, Chargebacks and Reversals for Significantly Not as Described and/ or claims filed directly with eBay.
PayPal Business Payments.

In theory, it is better to be a seller than a buyer apropos protection policies specifically relating to vouchers. Personally I wouldn't take the risk.

A buyer has 180 days to open a dispute on Paypal.

If you are selling through Ebay, don't forget your buyer has Ebay protection, which is more favourable to them.

What's covered

Most transactions on eBay.co.uk are covered by the eBay Money Back Guarantee.

Covered
Purchases are covered by the eBay Money Back Guarantee when all of the following are true:
An item isn’t received or it isn’t as described in the listing.
A buyer reports that they didn’t receive an item or requests a return within the eBay Money Back Guarantee timelines.
The purchases were made on eBay.co.uk with PayPal via checkout or an eBay invoice.
The items were paid for in a single payment.
Not covered
Buyer’s remorse or any reason other than not receiving an item or receiving an item that isn't as described in the listing (see the seller’s returns policy for returns options);
Duplicate claims through other resolution methods;
Items sent to another address after original delivery; or
Vehicles, Real Estate, Business & Websites for Sale, Digital Content, Intangible Goods, Classified Ads, Services, and some Business Equipment categories.

There is nothing to stop your buyer receiving the goods, spending the money and then filing a SNAD on the grounds the voucher had been used already.

forgotmyname

geminilady wrote: »

If i posted recorded they could not say they had not received them.Is there No safe way to sell vouchers ?

They may have received something. An empty envelope perhaps, or vouchers that had already been spent?

Use the vouchers to buy something that sells easily?

theonlywayisup

forgotmyname wrote: »

They may have received something. An empty envelope perhaps, or vouchers that had already been spent?

Use the vouchers to buy something that sells easily?

Yes, this exactly.