Bidder want to pay by Paypal Installments

theonlywayisup

forgotmyname wrote: »

Can the buyer cancel the recurring payment?

Yes. It's not to be entered into without good thought. But it can work, it certainly does for us. It won't for others, but without knowing the OP and the market it's difficult to be precise.

shaun_from_Africa

theonlywayisup wrote: »

Most if not all (these days) card issuers revoke any sort of protection when paying by a third party merchant such as Paypal.

Really?
Chargebacks are fairly common on ebay. S75 claims are invalidated when using a 3rd party payment transfer service but chargeback are not.
The following are only the first few cases out of hundreds, many in the past few months alone.

http://community.ebay.co.uk/t5/Seller-Central/Been-chargebacked/m-p/4730440#M306009

http://community.ebay.co.uk/t5/Seller-Central/Chargeback-new-scam/m-p/4833138/highlight/true#M314389

http://community.ebay.co.uk/t5/Seller-Central/Been-chargebacked/m-p/4730440/highlight/true#M306009

http://community.ebay.co.uk/t5/Archive-Seller-Central/PayPal-Chargeback-Case/m-p/4134387/highlight/true#M216760

http://community.ebay.co.uk/t5/Seller-Central/Credit-card-chargeback-fees/m-p/4890951/highlight/true#M319212

Sam_Fallow

pinkshoes wrote: »

Why not let them pay in CASH installments, and you will send it once the final installment is paid?

Bids have come in from around the world and the bidder in question is in Russia. I don't think cash is an option.

Note: Auction ends on Sunday evening.

theonlywayisup

shaun_from_Africa wrote: »

Really?
Chargebacks are fairly common on ebay. S75 claims are invalidated when using a 3rd party payment transfer service but chargeback are not.
The following are only the first few cases out of hundreds, many in the past few months alone.

http://community.ebay.co.uk/t5/Seller-Central/Been-chargebacked/m-p/4730440#M306009

http://community.ebay.co.uk/t5/Seller-Central/Chargeback-new-scam/m-p/4833138/highlight/true#M314389

http://community.ebay.co.uk/t5/Seller-Central/Been-chargebacked/m-p/4730440/highlight/true#M306009

http://community.ebay.co.uk/t5/Archive-Seller-Central/PayPal-Chargeback-Case/m-p/4134387/highlight/true#M216760

http://community.ebay.co.uk/t5/Seller-Central/Credit-card-chargeback-fees/m-p/4890951/highlight/true#M319212

I looked at the first of those and none were worthy of seller protection. Did you read before you quoted them?

Did you realise that S75 isn't the same as a chargeback?

shaun_from_Africa

theonlywayisup wrote: »

I looked at the first of those and none were worthy of seller protection. Did you read before you quoted them?

Did you realise that S75 isn't the same as a chargeback?

Of course I realise that S75 and chargebacks are different otherwise why would I have stated that S75 claims are generally invalidated when using Paypal but chargebacks are not?

As to the claims I showed not being "worthy" of seller protection.
Even if this was correct (and how can you possibly know that this is true for every case), what does that matter?
The cases clearly show that the chargeback procedure certainly is not as you claim, revoked when paying with a credit card via paypal.

theonlywayisup

shaun_from_Africa wrote: »

Of course I realise that S75 and chargebacks are different otherwise why would I have stated that S75 claims are generally invalidated when using Paypal but chargebacks are not?

As to the claims I showed not being "worthy" of seller protection.
Even if this was correct (and how can you possibly know that this is true for every case), what does that matter?
The cases clearly show that the chargeback procedure certainly is not as you claim, revoked when paying with a credit card via paypal.

I don't CLAIM anything.

Post 11

The magic word. MOST.

These days MOST card providers remove any protection when you use a third party provide such as Paypal.

If you don't want to believe it, that's fine. I'm guessing you probably don't have that many transitions as us?

shaun_from_Africa

theonlywayisup wrote: »

These days MOST card providers remove any protection when you use a third party provide such as Paypal.

If you don't want to believe it, that's fine. I'm guessing you probably don't have that many transitions as us?

Maybe I don't have as many ebay sales as you but are you saying that all 1000 of the questions asked about chargebacks on the ebay forum are wrong?

There is also this from a few months ago

theonlywayisup wrote: »

Ultimately, whatever you do the buyer can start a chargeback in Paypal. Paypal will cover you for a certificate of posting (no tracking required). If you don't have that, for the address Paypal gave you, regardless of messages back and forth, they will add £14 chargeback fee.

theonlywayisup

shaun_from_Africa wrote: »

Maybe I don't have as many ebay sales as you but are you saying that all 1000 of the questions asked about chargebacks on the ebay forum are wrong?

There is also this from a few months ago

It's a bit like asking if all the rant threads on this site are real? You have to read them and take them with a pinch of salt.

Most CC providers will not offer any form of protection when you use a third party i.e. Paypal. There will be some that do and some that you can convince to, but it's not the norm.

As per my quote, you kindly dug up to try to scaffold your argument, there are cases where there can be a chargeback so in the scenario on that thread, it is always best to give advice and assume the worse (that a chargeback will or can be made).

George_Michael

As far as I'm aware, the only credit card issuers that will not allow chargebacks to be attempted when payment goes via a third party are American Express and Discover.

Both MasterCard and Visa have no such restriction and as these two companies make up the vast majority of credit cards issued in the UK (and probably elsewhere as well), I agree that it's incorrect to state that most card issuers remove the chargeback possibility when paying through a 3rd party.

The following (including quotes from both Mastercard and Visa back this up)
http://www.moneysavingexpert.com/credit-cards/PayPal-Section75

Does chargeback work on PayPal transactions?

Chargeback is a lesser protection than Section 75, but it works both on debit and credit cards, and has no minimum amount (except on Mastercard where it’s £10). See the full how chargeback works guide for full information.

So I asked Visa and Mastercard how it works in regards to PayPal.

The answer depends on how you make the transaction.

- If you use a card to load money into your account. If you use your credit or debit card to load money into your PayPal account, and you make a purchase using the pre-loaded money, it's not covered by chargeback as it's not considered to be a card transaction.

- If your card is used directly through PayPal. If there’s no money loaded and your card is used directly to make a transaction through PayPal then chargeback should apply.

Visa suggests if you are making a card purchase through PayPal it's best to empty your account beforehand so there's no balance. That will make it easier for your bank or credit card provider to match the purchase with the debit. Mastercard says that its chargeback rules work the same as Visa's.

So basically, if your visa or MC is used as a funding source for Paypal to take the money from there is no reason why a chargeback can't be attempted by the card issuer.

chancesare_2

George_Michael wrote: »

As far as I'm aware, the only credit card issuers that will not allow chargebacks to be attempted when payment goes via a third party are American Express and Discover.

Both MasterCard and Visa have no such restriction and as these two companies make up the vast majority of credit cards issued in the UK (and probably elsewhere as well),

Tesco Visa won't allow them.