![]() ![]() From most powerful to least powerful, these are: If they try to use more than one, the more powerful system wins. Who Decides Whether I Have to Pay a Chargeback?īuyers can only use one type of purchase protection at a time. A PayPal chargeback fee will almost always amount to less. Some may charge as “little” as $30, while others may charge as much as $100. ![]() Unless you go through another service that offers similar protection, you’ll need to deal directly with the card issuers and their fees. This means you won’t have the benefit of PayPal Seller Protection. If you set up an internet merchant account and a payment gateway account, you can accept credit cards directly rather than requiring customers to go through PayPal. If your sale qualifies for Seller Protection and you prove you held up your end of the bargain, you won’t have to pay PayPal’s chargeback fee and you’ll get to keep the full payment. You generally will lose all money spent on shipping and may be required to accept the return or allow the buyer to keep the item. You can also expect additional expenses depending on the reason for the chargeback. You won’t have to worry about paying a credit card issuer’s fees instead-or on top of theirs. In good news, as long as PayPal processes the chargeback, you’ll only have to pay their fees. The fee is currently $20 for transactions in USD see the full table here. You’ll need to pay the PayPal chargeback fee if the purchase doesn’t fall under PayPal Seller Protection. How Much Do They Cost?Ĭhargeback fees depend on how you processed the payment. If your customers use a card attached to their PayPal account to pay you, they can file a chargeback. PayPal users can attach their cards to their account and use them to fund payments. Just because somebody made a purchase through PayPal doesn’t mean they didn’t use a credit or debit card. Does That Mean I’m Safe from Chargebacks? Some “buyers” are really fraudsters who will buy an item from you and then file a chargeback after they get it. Of course, not everyone plays by the rules. They can also do it if they never received the item they bought, or if someone stole their card and used it to make a fraudulent transaction. When Can a Buyer Demand a Chargeback on an eBay Purchase?Ĭustomers can initiate chargebacks if they believe the item they received didn’t match your description on eBay. You can expect to see the amount they paid deducted from your account along with a nasty fee. And since some chargebacks cost sellers 2.4 times the value of the transaction on average, the time you spend learning how to stop them will more than pay for itself.Ĭhargebacks occur if somebody pays you through a debit or credit card, then goes to their card issuer (generally their bank) and demands the money back. However, understanding it will help you avoid chargebacks. This article was last updated and fact-checked on. There are lots of layers to it- eBay seller protection and buyer protection, PayPal chargeback policy, and credit card issuer policy all come into play in different situations. The eBay chargeback system can leave a seller bewildered. ![]()
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