Many customers have their credit cards linked to PayPal for payments, and it is the credit card that is being charged, rather than debiting the PayPal account. PayPal chargeback: The customer contacts their card issuing bank directly to request a refund.This is when PayPal gets involved to determine what’s best to resolve the matter. If an agreement can’t be reached, the customer escalates the dispute to claim a request for refund/reversal. The customer and the merchant work together to solve the problem. PayPal dispute: The customer contacts the merchant directly through the PayPal Dispute Resolution Center to file a dispute.This is unique to PayPal and warrants some further explanation, since it’s easy to overlook what distinguishes each of these three scenarios. There are three ways customers using PayPal can file refund requests: dispute, chargeback, or bank reversal. Success for you means having the right payment solution support when you need it-so don’t leave this to chance or for the last minute. Remember, each scenario has its own requirements, so it’s wise not to assume that what you did for a claim will apply to a chargeback or dispute. Equally important is understanding how and when the Seller Protection policies apply. PayPal expects its merchants to fully understand and comply with all rules and regulations. Knowing in advance how you’re expected to respond to a claim, chargeback, dispute, or bank reversal, could make a big difference in retaining well-earned profits. Disputes, claims, chargebacks, and bank reversals.Resolving disputes, claims, and chargebacks.
To acquaint yourself with their particular dispute processes, we recommend you read the following sections of the PayPal website: All merchants can benefit from increasing their understanding of how PayPal processes chargebacks and disputes. Just as we recommend that you be up-to-date with the chargeback guidelines detailed by your acquirers and associated credit card companies, we recommend the same for your use of PayPal. Accepting PayPal payments does not prevent you from becoming a victim of chargebacks or chargeback fraud. Yes, PayPal chargebacks are an issue and they occur just as frequently as credit card chargebacks. However, we still have the sticky matter of PayPal chargebacks. In fact, many merchants prefer that their customers use PayPal to reduce the risk of losing sales. For many online consumers who maintain a balance in their PayPal accounts, paying for items with PayPal is preferable to using a credit card. No longer a fringe method of payment, PayPal is commonly used by all types of customers, regardless of their experience with online shopping. PayPal has made it easier for card-not-present merchants to reach a wider customer base.
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