Palpal will never take the side of the trader, they always take the side of the buyer. There is no “I have a signature box” at all.

I didn’t get the package…

So I told the trader and they said I had to claim from the courier, the courier said I couldn’t do that. I went back to the Trader and discovered they didn’t have any insurance with the courier so I asked for my money back.

The Trader said they had a signature and that was that. I disputed the payment from PayPal but PayPal settled in favour of the Trader because they had a signature.

I told PayPal that the courier had delivered to someone on the street, but the Trader had checked the “I have a signature box” and that was the end of PayPal’s interest.

So I blocked the payment from my credit card and PayPal has suspended my account.

So, my advice, don’t buy anything outside of eBay using PayPal.

PayPal will always take the side of the Trader and not you.

BTW: if you don’t receive an item you can recall any payment no matter how small.

It’s going to be VERY interesting to see what happens with the new PayPal top up Visa card, as one of the main problems with PayPal is you lose the Credit Card protection you would have got if you paid directly.

So, a Credit card without credit card protection… people will buy things, get ripped off, and have nowhere to go…Yikes!

No way!

I did a chargeback for £351 against paypal for non delivery through my bank in September which I won.

I just received an email from paypal an hour ago saying that the chargeback had been refused as the buyer had supplied tracking details.

Paypal have frozen my account and said that they want this £351 back.

Called paypal and requested the tracking number.

Whilst paypal were on the phone I called the Royal mail on speaker phone so that paypal could hear.
The Royal Mail said that the item was delivered in Belfast and NOT London.

So now my paypal account is frozen even though the person from paypal agreed that the tracking details were false.

So if I have the option of using paypal or a merchants processing account I will always go with the merchants processing.

I know that my story is not an uncommon story with paypal!

With the former, the buyer inputs their delivery address , which could be the same as the address registered on PayPal, but if it’s even one character different from the registered address on PayPal (think of the difference between Avenue / Ave / Av.) then neither the Buyer nor the Seller is covered under PayPal protection policies.

With PayPal Express, the registered address at PayPal is provided to the Merchant as the “must do” shipping address, even if the buyer want shipping to a different address (e.g. gift).

There is also a major User Agreement difference with Express – you have to show the logo on the site home page, store home page (if it’s a sub site of the main site), and the Express Checkout button must appear as the payment option BEFORE entering the standard checkout flow where the buyer would normally be offered a selection of payment options – if the buyer then declines Express, it cannot be offered on the payment choices page (must you Standard payments instead) – however, just try integrating both Standard and Express on the same cart system and you’re guaranteed a broken site that needs a full reinstall – been there, done that, got the caffiene addiction trying to fix it.

Ed

The main reasons I don’t like PayPal though are the constant glitches (the ongoing “Don’t forget to claim your money” is a prime example), the extremely poor customer service, the arbitrary “holds” on payment & dispute resolution + that it won’t allow me to use a card if I have a balance, which I like to do so as to keep my accounts neat (not for security reasons ) .

http://www.tamebay.com/2008/06/ebay-germany-boss-doesnt-trust-paypal.html

That’s partly because of the laziness factor, but also after the hassle of having my only credit card cancelled and re-issued earlier this year after it had been ‘compromised’ by a merchant (fortunately no actual fraud). The credit card company wouldn’t say which merchant, I strongly suspect it was Cotton Traders.

Many credit cards offer additional benefits like loss/theft cover. It is also fairly straight forward to get you money back if your card is frauduantly used. Not sure what the cover is like if your PayPal account gets compromised.

For many people the vast majority of purchases are under £100 and then PayPal starts to look much better.