Safest/Fairest way to sell

soolin

lisyloo said:

Daz2009 said:

Isn't PayPal more easily reversible?
I'd go for a bank transfer over PayPal if I were the seller 

buyer refused, due to previous non-delivery.
I used paypal and evri tracked and all was fine.

I have worked in IT for years so very aware of security issues and I find I've got a fairly good sense of whether someone is genuine or not.

I'm not surprised, any buyer who understands online safety will refuse to use a bank transfer. A paypal G and S payment when used properly is safe for seller as well as the buyer.

Lonelygambler

Always use G&S. 

People can chargeback friends and family. 

soolin

Lonelygambler said:

Always use G&S. 

People can chargeback friends and family. 

Technically you are right, but it isn't that simple.

G and S can be subject to a claim for INR or SNAD but seller can defend the INR with proof of delivery assuming they sent item within the seller protection rules.

Both G+S and F+F can be chargebacked in cases of fraud if buyer gets their bank involved and if bank agrees with the claim. The difference is that G and S can defend a claim for fraud with proof of postage, sometimes you do need to be firm with paypal and explain their rules to them, but I have successfully defended all my charge backs with g and s (only about 4 in thousands and thousands of sales) .

The problem is that F+F has no 'goods' attached, it's just a payment so buyer has a more difficult claim with the bank as they would need to show an intention to defraud and to allow the banks to persuade paypal of the same. They cannot merely claim for an INR or SNAD and chargeback from the bank on that basis. So in the unlikely event a chargeback is made, and I think we've seen 2 mentions of it on here over the last decade, a seller cannot defend the claim at all.The chances of a successful claim for fraud on a personal payment that a buyer has made willingly and which paypal have warned is not recoverable is extremely rare - virtually unheard of as banks rarely ever allow them.