DedicatedPros Posted August 3, 2009 Share Posted August 3, 2009 You should stress it to the PayPal staff during the dispute process, you could even quote the section showing them where digital products/services aren't covered. If you send them a copy of any email correspondance between you and then client then that's even better, we haven't lost a dispute yet Edit: Just to point out I'm referring to disputes with the genuine PayPal account holder as the disputing party, in the case of a hijacked PayPal account which was used by spammers, then it's very unlikely you'll win the dispute. I think I know what you're getting at, but from what I've seen, the way they look at it is that since my products aren't covered by their policy they will refund the transaction, period. What I think you're talking about is pretty much vice versa, so since my products aren't covered by their policies they should not interfere and leave me and my money alone 0 Quote Link to comment Share on other sites More sharing options...
D9Hosting Posted August 3, 2009 Share Posted August 3, 2009 I think I know what you're getting at, but from what I've seen, the way they look at it is that since my products aren't covered by their policy they will refund the transaction, period. What I think you're talking about is pretty much vice versa, so since my products aren't covered by their policies they should not interfere and leave me and my money alone Yep, that's pretty much it When the seller initiates a dispute, they are doing so under the seller protection terms set out by PayPal: https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_spp-outside The terms clearly state that digital items and services are not covered by this. So as long as you make the PayPal employee dealing with your claim aware of this you'll win the case - if there's any problems you can just point them towards their own policies where it's set out in black and white. As I said before, if you also include a copy of all email correspondance between yourselves and the disputing party just to prove you have indeed provided them with the service you paid them for you'll win the dispute. 0 Quote Link to comment Share on other sites More sharing options...
DedicatedPros Posted August 3, 2009 Share Posted August 3, 2009 The funny thing is that they automatically forced the refunds (even if I had no money in my account) because I'm not covered by their policy I'll read up on it, though I'll be switching to a local system soon anyway (cheaper, faster, less hassle, and free anti fraud tools with chargeback protection), though its still nice to know this 0 Quote Link to comment Share on other sites More sharing options...
D9Hosting Posted August 3, 2009 Share Posted August 3, 2009 (edited) The funny thing is that they automatically forced the refunds (even if I had no money in my account) because I'm not covered by their policy I'll read up on it, though I'll be switching to a local system soon anyway (cheaper, faster, less hassle, and free anti fraud tools with chargeback protection), though its still nice to know this I'd certainly recommend that, even with the knowledge that you aren't totally at their mercy with disputes, the (paypal) fee's are still way too high compared to what you can get with your own merchant account from your bank....you don't even need to meet £50,000 turnover per month to get the good rates Edited August 3, 2009 by D9Hosting Unable to spell 0 Quote Link to comment Share on other sites More sharing options...
DedicatedPros Posted August 3, 2009 Share Posted August 3, 2009 Indeed, though offering PayPal gives people more confidence in my site, but they're very expensive and they don't even offer website payments pro in PL, only two countries in the whole wide world get this Though the rates they offer when your revenue is that big is just something no one else offers, most merchant/gateway providers charge about 2.4% on average (more or less; this is a guess based on the tens of sites I've visited), while 1.4% would be the s**t 0 Quote Link to comment Share on other sites More sharing options...
D9Hosting Posted August 3, 2009 Share Posted August 3, 2009 Not sure what it's like in Poland, but if you speak with your local bank they should be able to sort you out with a merchant account. Here in the UK we are able to get rates around the 1.5% mark with a merchant account direct from the bank, all you need then is the gateway which will usually set you back around £20 per month which isn't too bad at all. 0 Quote Link to comment Share on other sites More sharing options...
DedicatedPros Posted August 4, 2009 Share Posted August 4, 2009 Not sure what it's like in Poland, but if you speak with your local bank they should be able to sort you out with a merchant account. Here in the UK we are able to get rates around the 1.5% mark with a merchant account direct from the bank, all you need then is the gateway which will usually set you back around £20 per month which isn't too bad at all. :shock: That is a great deal you're getting, I should move to the UK and setup shop there 0 Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.