Let's say you buy something on eBay, you issue a request for an invoice including all charges and then pay that invoice when it is received.
Now the seller decides he doesn't want your money and doesn't want to complete the transaction, so he doesn't accept the payment.
You've paid, he hasn't claimed it, guess where your money is 😜 I't sitting in PayPals bank acount collecting interest until the transaction is completed or 30 days elapses at which point the money comes back to you.
eBay's response is it's not our problem, waste your money chasing the seller, we got our cut. PayPal's response is file a claim... but here's the catch, you can't file a claim on a transaction that was never completed.
It's becoming a problem here, all of a sudden I'm getting stuck in this bottomless pit too often... I've actully got a form now for submitting credit card reversals.