Question:
I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
Response:
I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
Yeah, taking to that moron’s supervisor. And then his. And then VISA themselves.
Response:
Yes, you are missing something. A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances. The "holder in due course" provisions (which make the credit card firm a party to a normal merchandise transaction, and are the legal basis for chargebacks) do not apply to cash advances. When you make a purchase using PayPal funded by a credit card, your ONLY recourse is PayPal. There is, normally, no "fallback" recourse to the credit card company. – Hide quoted text — Show quoted text – I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
Response:
Yes, you are missing something. A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances. The "holder in due course" provisions (which make the credit card firm a party to a normal merchandise transaction, and are the legal basis for chargebacks) do not apply to cash advances. When you make a purchase using PayPal funded by a credit card, your ONLY recourse is PayPal. There is, normally, no "fallback" recourse to the credit card company.
What country are you in, Barry? Here in the US, PayPal charges show up on a credit card statement as "PayPal – <seller’s ID. PayPal is the merchant of record. It is not a cash advance. Chargebacks happen all the time. Of course, credit card issuers don’t *have* to allow chargebacks of most PayPal transactions, because most of them don’t meet the "claims and defenses" eligibility criteria of 15 USC 1666i. They’ve been doing so for competitive reasons. But perhaps that’s changing, and buyers will find it more difficult to reverse PayPal charges. http://consumer-affairs.co.la.ca.us/NewsAlerts/alert0826toc.htm WHAT ARE CLAIMS AND DEFENSES? Claims and defenses are any valid reasons you have for not paying a certain credit card charge. They include billing errors, unauthorized charges and claims that goods or services were misrepresented, defective, or not delivered. HOW DO I ASSERT CLAIMS AND DEFENSES? You assert your claims and defenses by taking your dispute directly to the store that made the charge you are disputing. Make your complaint to the store in writing. State the reasons why you are disputing the charge. Send a copy of the letter to the credit card issuer, too. ARE THERE ANY LIMITATIONS ON RAISING CLAIMS AND DEFENSES? Yes. In order to assert claims and defenses, the purchase must have been made in the same state you live in, or within 100 miles of your home. Also, the amount of the disputed charge must be more than $50. If the card issuer and the person honoring the card are connected – for example, a department store honoring it’s own credit card – this limitation does not apply.
Response:
I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
Use American Express. Have had 2 chargebacks on eBay/Paypal stuff, and never a problem.
Response:
- Hide quoted text — Show quoted text – I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
No, that policy was changed about 2 weeks after they instituted it about 7 years ago. That’s they way it should be, IMHO, but that’s not the way it is. A
Response:
I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
I think if you don’t fund more than a certain percentage of that particular transaction directly from the card, it isn’t covered. I.e. – if you fill your PayPal account, then make the transaction, then no cover. If, however, you make the PayPal payment and funds have to come from your CC as your PP balance is too low, then you may be covered. My understanding only and I am also in the UK(!)
Response:
Yes, you are missing something. A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances. The "holder in due course" provisions (which make the credit card firm a party to a normal merchandise transaction, and are the legal basis for chargebacks) do not apply to cash advances. When you make a purchase using PayPal funded by a credit card, your ONLY recourse is PayPal. There is, normally, no "fallback" recourse to the credit card company.
Bullhockey. I’ve done it, and so have many others on this group.
Response:
A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances. The "holder in due course" provisions (which make the credit card firm a party to a normal merchandise transaction, and are the legal basis for chargebacks) do not apply to cash advances. When you make a purchase using PayPal funded by a credit card, your ONLY recourse is PayPal. There is, normally, no "fallback" recourse to the credit card company.
Woah Dude! More compost for my garden! I’m gonna have the biggest fucking tomatoes this side of Sacramento. Craig
Response:
– Hide quoted text — Show quoted text – A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances. The "holder in due course" provisions (which make the credit card firm a party to a normal merchandise transaction, and are the legal basis for chargebacks) do not apply to cash advances. When you make a purchase using PayPal funded by a credit card, your ONLY recourse is PayPal. There is, normally, no "fallback" recourse to the credit card company. Woah Dude! More compost for my garden! I’m gonna have the biggest fucking tomatoes this side of Sacramento. Craig
What time is pickin’ season down South? Kris
Response:
Or has anyone been told the same shit i was told? "I’m sorry sir VISA is not allowed to chargeback on Paypal transactions" and can anyone verify if Paypal transactions are ruled as cash advances?
Response:
But why should there be a diff between funding Paypal first before doing a transaction and charging to Paypal who immediately charges your credit card? Doesnt make sense dude
– Hide quoted text — Show quoted text – I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here?????? I think if you don’t fund more than a certain percentage of that particular transaction directly from the card, it isn’t covered. I.e. – if you fill your PayPal account, then make the transaction, then no cover. If, however, you make the PayPal payment and funds have to come from your CC as your PP balance is too low, then you may be covered. My understanding only and I am also in the UK(!)
Response:
"I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here??????
Of course what you say can’t be true. Everybody here just knows that you can reverse a credit card charge just any old time you feel like it. They talk about it all of the time. It’s magic. You just pick up the phone and call the credit card company. Mumble a lot about "card not present" and stuff.
Response:
A credit card (Visa) charge to PayPal is basically a cash advance. There are no chargeback on cash advances.
And the reason that no credit card company charges a cash advance fee for Paypal charges would be?
Response:
What time is pickin’ season down South?
Lumpy ain’t down South. He’s out West.
Response:
Or has anyone been told the same shit i was told? "I’m sorry sir VISA is not allowed to chargeback on Paypal transactions" and can anyone verify if Paypal transactions are ruled as cash advances?
In the US, they are not. In some other countries they are. What country are you in?
Response:
What time is pickin’ season down South?
My banjo playing friends say it’s right after sex with their sister. Craig
Response:
What time is pickin’ season down South? Lumpy ain’t down South. He’s out West.
I’m expanding. Buying out all the mom and pop musician/comedians and building 24 hr "Super Lumpy"’s just outside the city limits. Craig
Response:
Or has anyone been told the same shit i was told? "I’m sorry sir VISA is not allowed to chargeback on Paypal transactions"
Somebody named Ninja was told that in another thread. Maybe ask her. Craig
Response:
What’s the matter? Didn’t you like the answers to your other post? Bill —
Well some say that Paypal is backchargable and some say it isn’t, so I’d like so see if anyone did it before. Cus if a significant number of people did, I’d have to call VISA again and give em hell.
Response:
- Hide quoted text — Show quoted text – What’s the matter? Didn’t you like the answers to your other post? Bill — Well some say that Paypal is backchargable and some say it isn’t, so I’d like so see if anyone did it before. Cus if a significant number of people did, I’d have to call VISA again and give em hell.
Yep, that’s a guaranteed idea for getting help from the person on the phone. — Ty Who is mostly just a slightly skewed Donna Reed Necessity is the plea for every infringement of human freedom. It is the argument of tyrants; it is the creed of slaves. ~~ William Pitt, 18 Nov 1783
Response:
Or has anyone been told the same shit i was told? "I’m sorry sir VISA is not allowed to chargeback on Paypal transactions" and can anyone verify if Paypal transactions are ruled as cash advances? In the US, they are not. In some other countries they are. What country are you in?
She’s in Singapore….and needs to look at the country-specific VISA rules. Kris
Response:
Wildwood wrote What’s the matter? Didn’t you like the answers to your other post? Well some say that Paypal is backchargable and some say it isn’t, so I’d like so see if anyone did it before. Cus if a significant number of people did, I’d have to call VISA again and give em hell.
Many of the members of this group have. But the rules differ by country. In some countries PayPal is considered the merchant of record while in others it is considered a money transfer service. If PayPal doesn’t give you what they sold you, you can charge it back — the question is did they sell you the physical object (that you did not receive) or the money transfer service (that you did receive)? It sounds like, in your country, the answer is the latter.
Response:
- Hide quoted text — Show quoted text – I ordered something on the net (not ebay) and paid through Paypal but did not get what I ordered and the merchant played dumb to all my efforts for dialogue. So I thought Paypal could do something about it but when I emailed them they told me the quality of the product, once shipped, is none of their concern. Well shit , I thought, let me just call my VISA company and cancel the damn transaction and lo and behold what I was told: "I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here?????? I think if you don’t fund more than a certain percentage of that particular transaction directly from the card, it isn’t covered. I.e. – if you fill your PayPal account, then make the transaction, then no cover. If, however, you make the PayPal payment and funds have to come from your CC as your PP balance is too low, then you may be covered. My understanding only and I am also in the UK(!)
But why should there be a diff between funding Paypal first before doing a transaction and charging to Paypal who immediately charges your credit card? Doesnt make sense dude
If your credit card simply pays via paypal – i.e.. there is a direct line to the transaction – then you have used your credit card to pay for the transaction. If not – i.e. it is done via you depositing the balance first then you have not used your CC for the transaction.
Response:
"I’m sorry sir VISA is not allowed to chargeback on PAYPAL transactions" I’m not a frequent online buyer but I really find this utterly ridiculous. Am I missing something here?????? Of course what you say can’t be true. Everybody here just knows that you can reverse a credit card charge just any old time you feel like it. They talk about it all of the time. It’s magic. You just pick up the phone and call the credit card company. Mumble a lot about "card not present" and stuff.
In the US it is, unfortunately, just that easy. Yes I have done it when I got no response from the people I paid. I have been told the "merchant" in this case I guess PayPal, can of course appeal, but in a case like this they (PP) are going to loose. My wife works in a business that takes CC’s, as do I. I don’t do anything with the billing, but the people that do tell me this happens a lot every year. They have a very short period of time to prove the card was used by the person who is the account holder, or they (the business) looses. In these on line (card not present) charges, PP is going to eat the charge if they can’t get it back from the account holder. Now if you are not in the US, then you are playing by a whole different set of rules. Some people seem to have trouble understanding that the "net" is world wide. I am sure there is some abuse of the "charge back" option here in the US. I would "guess" that if you abuse the privilege the bank issuing the card would let you know. I have had to do a few of them over the years both from in person sales, and online sales. All I ever got was a quick response taking the charge off my account "temporarily" followed weeks later by the charge being removed permanently. A lot of people don’t seem to like this, have to assume it’s because they had made such a mess of their credit that they can’t get a credit card??? Which in this day and age you would have to be one hell of a screw up to manage that. <shrug — 25% graduate functional illiterates. We should remove the warning labels from everything and let nature take care of the problem. Peter Weisbach
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