Tag Archives: josh gallagher

Paypal disputes exposed

ASK SUNFORGED

Q. Hello. I have a quick Question about PayPal. I bought an item on eBay, I never received the item so I opened a claim. It was ruled in my favor but the seller did not have sufficient funds in his Paypal account. What happens now? Do I lose the rest or will Paypal give me what is owed?? The dispute in my Paypal account says closed, so I am confused. Please help. Thanks.

A.In my personal experience: I have won disputes against fraudulent sellers who seemed prepared to lose as they knew they were in the wrong and had quickly removed funds and/or cancelled connected bank accounts.

So although the dispute was decided in my favor since the seller did not have the funds in Paypal and either removed or lacked funds in connected account, I never received a cent.

My next step was to contact my credit card company and dispute the charge I was credited the funds by my cc company. (Chargeback) Most banks and credit card companies have consumer friendly chargeback policies relating to online fraud.

In any future disputes my first step will be to dispute the charge before even bothering with ebays/paypal dispute console.

BUT, as long as a seller has a long history of transactions, you are not likely to have this happen again – it is in a sellers best interest to maintain a positive standing and feedback level, and with a high transaction level it is unlikely that they will have a paypal account that is not funded and current.

eBays buyer complaint policy:

General. PayPal’s Buyer Complaint Policy covers goods that are purchased and not delivered, and goods purchased on eBay and paid by using PayPal that are “significantly not as described”. For payments relating to eBay transactions, this Policy may apply if the buyer complaint is ineligible for coverage under PayPal Buyer Protection. Buyer disputes must be filed within 45 days of the payment and, even if the buyer’s claim is justified, the buyer will receive a recovery only if there are funds in the seller’s account. RECOVERY OF YOUR CLAIM IS NOT GUARANTEED.

Paypal is notorious for being on the sellers side and conducting sketchy business including account freezes and lost funds. Research claims against PayPal via the BBB to get an understanding of this.

I am a seller and even I use a prepaid debit card to protect myself, I am completely honest in my transactions and as a result and trust my own judgement above ebay/paypals.

eBay now has a buyer protection guarantee, you will see this on eligible listings

Long story short – contact you cc company and request a chargeback, here is the relevant info from Paypal/eBay

If you close your dispute or it is otherwise closed, or if you cancel your claim or it is denied or results in no refund, you may still be able to pursue your card chargeback/reversal rights. In many cases, your credit card company will allow you to file a chargeback for 90 days or more after the date of payment. If PayPal resolves a claim in a buyer’s favour but the buyer does not receive a full recovery of their payment and if the time for processing of a claim results in the buyer’s loss of chargeback rights, then PayPal will provide a full recovery to the buyer.

https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_buyer_complaint-outside

My suggestion for prepaid debit card to use as added protection.


eBay Power Seller Secrets – Exposed vol 1

eBay has opened up a new venue for small businesses across the world to expand their sales, markets and exposure. Depending on ones prior experiences the tasks needed to expand successfully into this venue are either seen as dauntingly complex or misleadingly simple.

I recently purchased a rather expensive book that was marketed as exposing PowerSeller secrets, unfortunately I did not discover any new information from this source so I have decided to share my apparently uncommon knowledge with cyberspace.

In truth, PowerSellers jealously guard their secrets in hopes of keeping competition out.

My eBay businesses are focused on passions of mine and involve high ticket items as a result I am less worried about loss of volume that the competition may create.

For this first installment I will share links to many seller resources that I have found helpful in my sales, research and consultations. Once this series is completely composed and organized I will be moving it to a members area of my website.

http://www.sunforged.com

Links you will find useful in your growth:

1. Never sell an item without knowing its approximate worth

Terapeak Price Report

2. Know your target market, close your items when your customers are shopping.

3. Use research tools to take advantage of sellers who fail to follow appropriate scheduling and BIN pricing and use eBay as a sourcing tool for inventory.


4. In order to accept payments you must have a Payment Processing Service, ie Paypal. As of October 20, 2008 eBay will no longer allow checks or money orders as payment options, Fortunately, they will not enforce this rule until January 2009. Other payment solution companys are expected to be named in the next few months. As of this time the only other solution is ProPay

5. If your monthly sales are good and consistent you will save money in listing fees by opening an eBay Store.


6. Or you may want to weave your eBay inventory with an e-commerce solution that integrates your pre-existing merchant account with Paypal and has a recognizable interface


7. Your success continues to grow? You may want to consider purchasing your own domain and cross marketing your online presence.

GoDaddy is the service for web hosting and domain registration, all of their interfaces are easy to understand, There FAQ sections are thorough and customer service is easily accessed, easily understood and quick to answer.

Customer Service was able to easily walk me through a domain transfer and setting up the free hosting account that comes with all domains. This is the number one most important aspect in selecting a host when you are not an experienced guru yourself, you will have lots of questions, GoDaddy actually answers them !


8. You will become uncomfortable with the fact that PayPal is constantly connected to your accounts, and has the power to hold, take and refund payments if you lose any bidder arbitration.

Be sure to have a seperate seller and buyer account, use a prepaid debit card as your funding source, paypal will never be able to seize or hold assets against your will, that simply do not exist.

Keep your connected seller account starved of funds and only connect a pre-paid debit to your buyers account.


Keep in mind that I suggest only the most honest and professional conduct as a seller on eBay, but I do not trust Paypal and eBays arbitration system to make any decisions for me regarding returns, refunds and problem buyers. So a back up plan is proper.

9. Try to personalize yourself to the buyers, print up thank you cards or coupons to include with every shipment, promote your brand and encourage repeat customers.

It is also about time to have a presentable business card to present possible suppliers, customers and to prove legitimacy to those who think “Oh, he sells stuff on ebay, ”

What makes Vistaprint stand out is their Free business card offer, they of course sneak in a handling fee, but for about 8 dollars you can get your first set of business cards.

These business cards are watermarked with a small vistaprints logo on the back.

As your business grows, you can continue to use the free business card offer to print your thank you cards and coupons.

Take advantage of seasonal deals like free shipping to continue to purchase your business cards, if your not constantly reordering them, you are doing something wrong. Spread your cards around at every opportunity.


10. Continue to search for sourcing. Many eBay sellers buy larger lots here and then resell on ebay.



This is the first rough blog of PowerSeller Secrets and Tips.

Learning WordPress

Day 1: Registered wordpress site

Day 2: Created header image in Photoshop, selected theme and created page hierarchy. Learned that I will be unable to migrate page to http://www.sunforged.com as I originally planned without beginning a new Linux based Hosting account.

Day 3: Began to experiment with incorporating ebay widgets that show my current listings, but alas wordpress.org does not allow java based widgets on their servers.

Day 4: I am quite put back by the inability to use java based widgets as I had planned on incorporating ebay design, development and products throughout this site. I have learned that I will be able to use the Flickr Widget in conjunction with rss feeds to display my portfolio of artworks that are at this time viewable at sunforged.com and various online portfolio sites

Day 10: I have put off design and function issues in order to focus on a massive amount of content that I have backlogged. I have found some workarounds relating to using built in rss widgets and text boxes to include content and links that I previously considered impossible to include due to free hosting constraints.

I will be purchasing paid hosting soon and then I can focus on a more visually appealing page, but for now it will be content driven

The page has changed dramatically though and I will be including a new screenshot.

Screenshot of page as of Day 4

Screenshot of page as of Day 4

Day 10

Day 10