Get support with suspicious activity, identity theft or phishing. Further … If the reason is not as described or a seller fault, and it's after 30 days after delivery, then there's no buyer protection for item not as described returns, so you can just call Ebay and have them escalate it and close it in your favor. the buyer to post back to the payment recipient, to PayPal or to a third party (as PayPal may direct) an item that the buyer claims is SNAD and to provide Proof of Delivery. If the payment recipient refuses to accept an item sent back to the payment recipient by the buyer at PayPal’s direction), PayPal may award the claim in favour of the buyer, provided the buyer has provided satisfactory evidence to PayPal that the item was sent to the payment recipient at an address supplied to the buyer by PayPal during the claim process. If your payment is not eligible under PayPal Buyer Protection, PayPal is not obliged to make a decision on the claim. If you use PayPal, eBay Buyer Protection is free for nearly all purchases. purchases of real estate (including, without limitation, residential property); purchases of any interest in a business (including, without limitation, any items or services forming part of a business or corporate acquisition); purchases of vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats), except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards; payments on crowd-funding and/or crowd-lending platforms; purchases of custom made items (unless they are claimed to be Not Received); purchases of goods and services prohibited by the PayPal Acceptable Use Policy; purchases of industrial machinery used in manufacturing; purchases of items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards); purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal; gambling, gaming and/or any activity involving a chance to win a prize; payments made in respect of financial products and investments; payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies; purchases of items which you collect in person, or arrange to be collected on your behalf (including at a retail point of sale) and which you claim to be Not Received; payments made in respect of gold (whether in physical form or in exchange-traded form); and. If something goes wrong. Why does PayPal’s ‘seller protection’ fail to protect? We're here to help. Remember, we will never ask for any sensitive information. PayPal protection is for PayPal purchases and you are not covered if you’ve made a claim with your credit card company. You will not have to accept the return and they will not be allowed to leave feedback. If a buyer files a chargeback, any requests opened through eBay Money Back Guarantee for the same transaction are immediately closed. If you continue to browse, we'll use cookies that make our site work, improve performance and customise your experience. Pay for the item with one payment. Being unaware of the 45-day time limit on the Buyer Protection policy, unfortunately it was 47 days before we tried to file a dispute and were blocked from doing so. 8 What is Significantly Not as Described (SNAD)? For integration information, see How to Make a Basic Refund. If you accept, we'll also use cookies to personalise ads. For example, PayPal may require you to return the item to the payment recipient under section 6. 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). If a seller loses a chargeback after they reimburse eBay or the buyer, they can appeal the eBay decision … These are the terms of a contract between you and PayPal (Europe) S.à r.l et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg (“PayPal”, “we” or “us”). Your memory protects your login information and lets you pay without exposing your card details. An event you purchased tickets to was postponed. To take advantage of Buyer Protection, we require, among other things, that PayPal accounts be kept in good standing and ask that a dispute be filed within 180 days of your purchase or payment, Terms and Conditions apply. Your seller may be experiencing stock problems and may ask you if you would either like to wait, or prefer a refund. Contributor Mark as New; Bookmark; … Your purchase was correctly described but you didn't want it after you received it. UnityCoin Recommended for you. The move is a dramatic effort by eBay to push buyers to use its PayPal online-payment service at a time when it faces increasing competition from Google Checkout, a … If you decide to wait and the item doesn’t turn up, you need to escalate the dispute to a claim. The date the item or service was provided. The condition of your purchase was misrepresented. If, through no fault of your own, you do business with a person who is not of legal age, you automatically HAVE NO BUYER OR SELLER PROTECTION POLICY coverage.) 7 What if my purchase is not eligible for re-imbursement under PayPal Buyer Protection? Buyers are encouraged to deal directly with sellers to resolve the dispute. It's important to read the entire policy carefully because there are very specific significant limits to the refund policy. The item that you purchased has minor scratches and was listed as used condition. Items purchased with multiple payments aren't eligible. No guarantees are given. To qualify for PayPal Buyer Protection: Use PayPal to complete your payment. The PayPal Buyer Protection Policy applies to eligible eBay transactions and covers INR (Item Not Received) and SNAD (Significantly Not As Described) claims. For instance, you purchased a book and received a DVD or an empty box or the software that you received was not the software that was sold to you. PayPal Asia Pacific 1,040 views. Pay for the eligible item from your PayPal account. You received a completely different item. Please also consider section 2 below (Is PayPal Buyer Protection right for me?). PayPal's buyer protection is short-lived Mark King When a supplier went bust without delivering the goods, PayPal customer discovered the time had run out on a refund Thereafter, the dispute will close automatically and you will not be eligible for PayPal Buyer Protection coverage. Buyers who engage in activity as described in the Abusive buyer policy may be subject to a range of actions, including the loss of eBay Money Back Guarantee … When the underage user cannot provide it, PayPal keeps the money. Fraudulent claims and abusive buyer behaviour. However, before making a claim you must first attempt to resolve the issue with the seller. If a buyer claims an item is not as described there’s no cover for the seller PayPal has a much-vaunted protection policy. Because eBay is now selling very highly priced items, including major equipment and cars, it has instituted specific buyer protections for those items. After the initial filing, however, the timeframes get dramatically smaller. PayPal will then limit or freeze an account then asking for further documentation. Your purchase was correctly described but did not meet your expectations. Kudos / Solution appreciated. We can process 25 currencies from 202 countries and markets and convert them for your convenience. Please see section 4 (Conditions for reimbursement) for details of the conditions of reimbursement. If you continue to browse, we'll use cookies that make our site work, improve performance and customise your experience. 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). We monitor every transaction, 24/7 to prevent fraud, email phishing and identity theft. If you have an eligible purchase you can make a claim using PayPal's resolution centre within 180 days of making the payment. We received 2 emails from the seller (overseas) that urged us to be patient due to shipping delays as a result of heavy volume around the holidays. In this instance, PayPal will cover your return shipping costs up to a value of $30. How Do I File a Buyer Protection Dispute? Your purchase is Significantly Not as Described if it is materially different from the last description of it that you received from the payment recipient before you paid for it (which, for exclusively online purchases, shall be taken to be the payment recipient’s description of the purchase in the relevant online listing) (“. Your purchase is missing major parts or features and the fact that these parts or features are missing was not disclosed in the listing. My Experience of PayPal Buyer Protection, So Far Aug 11, 2010 I bought an expensive lens on ebay which turned out not to be as advertised – it was obvious from the moment I opened the package. 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 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 6). 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. 3 What happens when PayPal makes a final decision in favour of the buyer…. Read purchase protection requirements 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. You're not liable for unauthorised purchases made from your account. It may be more suitable for your particular needs and prospects to resolve your problem without involving PayPal. Capitalised words which are not defined in these terms are defined in that user agreement. Whether you are the buyer or the payment recipient, for the purpose of resolving the problem, PayPal may request and require you to (and you shall in a timely manner): (i) provide documentary evidence (at your own expense, unless PayPal agrees otherwise) to support your position (including, without limitation, proof of delivery, receipts, third party evaluations and police reports); and (ii) take any other action that PayPal specifies. 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). If the payment recipient does not present such evidence in a timely manner, PayPal may find in favour of the buyer. Usually, chargebacks take up to a few weeks to process. 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. A status of “delivered” (or equivalent) and the date of delivery. PayPal Buyer Protection Story: Jane & Melvin - Duration: 1:51. Protection for Buyers Purchasing High-Cost Equipment or Cars . The first thing to do is to contact the seller and try … your purchase is significantly not as described / SNAD. If your eligible purchase doesn’t arrive, or doesn’t match the seller’s description, we can reimburse you. I contacted the seller (who is on another continent) and explained the problem, but he would not agree to a refund, so I lodged a dispute with PayPal. 0 Kudos Highlighted. Your purchase was advertised as authentic but is not authentic. Its paypal buyer protection not ebays buyer protection you are talking about. As a non-exhaustive guide, this may include allowing reimbursement for disputes or claims raised outside of the timeframes set out in section 5 for certain purchases (typically purchases agreed to be delivered or performed outside of the timeframe set out in section 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. For more information, see our User Agreement. If the payment recipient presents such evidence in a timely manner, PayPal may find in favour of the payment recipient even if the buyer claims to have not received the purchase. Once you have done so, you should attempt to resolve the dispute directly with the payment recipient. 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. The user agreement for the country where you are registered with PayPal as resident forms part of these terms. PayPal’s Buyer Protection programme entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any, when you don’t receive your item from a seller, or when you receive an item, but the item isn’t what you ordered. Manage your cookies. PayPal Buyer Protection is neither a product warranty nor a service warranty. If an order doesn't arrive or match the description, we'll reimburse the full cost of eligible purchases and paid delivery costs (where applicable). To learn how our dispute process works, review the step-by-step guide in the Resolution Center. Below is a non-exhaustive list of ways of resolving your problem without involving PayPal. the buyer to reasonably cooperate with PayPal to ensure the proper and safe disposal of an item and to provide evidence of its disposal. 2 Is PayPal Buyer Protection right for me? Depending on the complexity of the case some chargebacks can take 75 days or more to process. Buy or sell across borders in your currency. If you are a payment recipient, your liability under PayPal Buyer Protection may be covered by the . If PayPal instructs you to return an item, the you return it with tracking to the address provided by PayPal. eBay will double PayPal Buyer Protection on its site, offering up to $2,000 of coverage for qualified transactions on eBay.com, but is eliminating buyer-protection for non-PayPal transactions. Here are some non-exhaustive examples: The defect in your purchase was correctly described by the payment recipient. As a non-exhaustive guide, PayPal may request and require: Proof of Delivery for tangible items means online documentation from a postal company that includes all of the following: Proof of Delivery for intangible items and services means any compelling evidence (as determined by PayPal) to show the sale was fulfilled, including but not limited to the following information: If PayPal has reason to believe that returning an item that the buyer claims is SNAD to the payment recipient would result in a violation of applicable law, such as laws related to handling counterfeit items, PayPal may report the item to a competent authority. PayPal Buyer Protection is not a payment service. From 18th November 2014, the PayPal Buyer Protection dispute period will be extended from 45 days to 180 days after the transaction date. You must also have an existing PayPal account that is in good standing and have used this account to pay for the item. I have been on both sides of this paypal conundrum many times, and YEs there is a $2000 limit for any single transaction with the buyer protection, and anything beyond that and you have to utilize their escrow service. Every transaction is encrypted using our advanced encryption technology. The recipient’s address, showing at least the city/county or postcode (or international equivalent). Why is this important? If I am a payment recipient? If you pay another way we’ll still try to help, but we recommend everyone uses PayPal’s secure service. In certain cases, if you purchase a ticket or pay for the right to attend an event from a payment recipient who is a UK registered PayPal account holder (“Event”), all monies paid by you may be held by PayPal on trust for you, so that the beneficial interest in such monies remains with you until the performance of the Event in question. If you're unable to resolve the dispute, you can escalate it to a claim with PayPal within 20 days of the date the dispute was opened. 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 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. Your purchase was damaged during postage. PayPal may extend this timeframe in case of extraordinary circumstances which are outside the control of the Buyer. You may also look to resolve a problem directly with the payment recipient by filing a dispute through the PayPal Resolution Centre. PayPal Buyer Protection does not affect your statutory rights against the payment recipient. As much as possible, these terms and the user agreement should be interpreted as a consistent whole. 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