eBay

patphotog · ‎04-25-2021

I have been on managed payment for about 2 months now and everything seems to be working fine for me except a few minor glitch here and there...but overall it was a seemless transition. Until the crap hit the fan. The infamous; buyer disputed the charge on their credit card; managed payment kryptonite. Here's the link if you want to read about it https://www.ebay.ca/help/selling/getting-paid/handling-payment-disputes-managed-payments-seller?id=4...

Something paypal was dealing with swiftely becomes the seller problem with ebay managed payment. Ebay give you 2 options when someone disputed the charge or don't recognize the charge on their credit card; give the money back or contest their request (keep in mind...I have not done anyhting wrong here...uploaded the tracking number the following day the purchase was made...check...communicating with the buyer...check...left a positive feedback after payment...check). So I have decided to contest...ebay ask me to upload the tracking number...again...check. I even went further by contacting the buyer directly...I thing the buyer is playing dumb by not knowing what I was talking about (disputing the charge on their credit card)...it went back and forth with the buyer and called ebay to upload the conversation in the dispute with the credit card company...which apparently they did on my request. According to some horror story on You Tube...the chance for the seller to win is about 10%...evethough you have not done ANYTHING WRONG. The only sellers to get justice in this process are the one with a You Tube channel...bad publicity is tough for ebay. By the way...did I mention it will cost you an extra $20 deducted to your managed payment account as a fee for contesting the buyers request. This charge is on top of the full refund amount requested by the buyer. Again something Paypal will never do to you. Ebay wanted to get back into the managed payment business but don't want to wear the big boy pants. Buyer/Scammer are starting to use this loop hole in the system...seller BEWARE.

teenytrinkets · ‎06-08-2021

@patphotog

Glad yours worked out. I'm also going to put mine to the test - but my Payment Dispute is for "Not As Described". THIS is actually the REAL scam and the ultimate HIDDEN SECRET because there's no way to win this one. Even with tracking. Zero seller protection.

Even though my claim is for $12, I'm gonna take one for the team and test out how much ebay is willing to fight for me. Should be interesting, and worth the $20 I'll probably be charged to potentially prove their MP has opened up giant risk for sellers!

pjcdn2005 · ‎06-08-2021

Correct, tracking means nothing when it comes to not as described claim whether it is a claim through eBay or a credit card. I was referring to a 'transaction not recognized' claim which is what the original poster was asking about,

marnotom! · ‎06-08-2021

@teenytrinkets wrote:
@patphotog

Glad yours worked out. I'm also going to put mine to the test - but my Payment Dispute is for "Not As Described". THIS is actually the REAL scam and the ultimate HIDDEN SECRET because there's no way to win this one. Even with tracking. Zero seller protection.

But I thought you stated in another thread that you goofed up in the listing and your item wasn't quite as described or pictured in the listing. In which case, your buyer's dispute--as awkward and annoying as it is--would be legitimate and undefendable with compelling evidence, assuming that there is some "defence" to a SNAD charge dispute, which doesn't seem to be the case with PayPal or eBay.

pjcdn2005 · ‎06-08-2021

In most cases eBay doesn't fight for a seller when a nad claim is filed through eBay so if it were me, I wouldn't want to pay an extra $20 and still lose part of the sale proceeds just to prove a point.

arteis · ‎06-10-2021

I find this post very interesting as I am a seller who use lettermail and Small packet to ship as the occasional "lost" order cost less than the tracking would.

I was suprise by the low 1% you are going with though.

Personally, when things are going good, it is more around 2%.

But when thing goes bad, like postal worker strike or shipping delay from the COVID-19 pandemic it goes as high as 4%-6%.

Keep in mind that I often (How often? Only God knows) refund an order that is only late and not lost. When I refund I ask the buyer to be honest and pay me back once the order shows up and some does!

I imagine that some buyer's intent is to be honest but their patience run out, they ask for refund, the order shows up later and they just don't bother contacting me to send me money.

I spend most of my Ebay time explaining to my buyers about the postal delay cause by COVID-19 when they ask why their order is not in yet... It's too bad that Ebay's ETA got adjusted for the pandemic for only 2 months, as if we were done with it in June 2020!

teenytrinkets · ‎06-10-2021

@marnotom!
"But I thought you stated in another thread that you goofed up in the listing and your item wasn't quite as described or pictured in the listing. In which case, your buyer's dispute--as awkward and annoying as it is--would be legitimate and undefendable with compelling evidence, assuming that there is some "defence" to a SNAD charge dispute, which doesn't seem to be the case with PayPal or eBay."

I sold a new mascara that was pictured and described without the box. But I had selected "new with box" in the pop down when I listed. That was certainly enough justification to confuse the buyer, cause them suspicion or tick them off. To justify a SNAD? Well, it's not the first time I've made a mistake in a listing. But it's the first time in 19 years a buyer has not contacted me or ebay, and went straight to their FI to file a Payment Dispute for one.

My point here is that ALL SNADs are undefendable. The difference with a Payment Dispute SNAD, and what makes them THEFT BY EBAY, is that a return option isn't present.

teenytrinkets · ‎06-10-2021

@pjcdn2005
"In most cases eBay doesn't fight for a seller when a nad claim is filed through eBay so if it were me, I wouldn't want to pay an extra $20 and still lose part of the sale proceeds just to prove a point."

My buyer agreed she was wrong to initiate the Payment Dispute, and that she "trusted me" that the item was "new". She confirmed she canceled the Payment Dispute with her financial institution. Problem is, I had 3 days to respond to the Dispute, and the Financial institution has up to 90 days to let ebay know the dispute was canceled.

I spoke with 2 different Payment Specialists who both told me to challenge the Dispute, attaching the conversation with the buyer about the cancelation as evidence, in addition to proof of the item's condition.

My challenging the Dispute and risking the $20 isn't to "prove a point", but rather "test the system". To me, it's a worthy exercise to share with my fellow sellers to see what happens in cases like this, and how far ebay is willing to back you up if the Financial Institution simply "ignores evidence", or in my case, ignores a canceled chargeback. It's wouldn't be the first time I've spent money to "test" the parameters of my selling realm on ebay, and it certainly won't be my last!

marnotom! · ‎06-10-2021

@teenytrinkets wrote:

I sold a new mascara that was pictured and described without the box. But I had selected "new with box" in the pop down when I listed. That was certainly enough justification to confuse the buyer, cause them suspicion or tick them off. To justify a SNAD? Well, it's not the first time I've made a mistake in a listing. But it's the first time in 19 years a buyer has not contacted me or ebay, and went straight to their FI to file a Payment Dispute for one.

My point here is that ALL SNADs are undefendable. The difference with a Payment Dispute SNAD, and what makes them THEFT BY EBAY, is that a return option isn't present.

In an ideal world your buyer should have got in touch with you first, but we all know that people are different and for whatever reason she didn't pursue this route.

I once found a charge I didn't recognize on my credit card statement. I checked the website of the merchant in question and found out--probably because they were an "adult" site--that unauthorized charges were a problem for this site and if people were hit with an unauthorized charge, they had to contact their charge issuer for a chargeback. I'm guessing this is because the card issuer would have a better sense than the site operators were if the card was being used for similar purchases and for how long. Getting the chargeback was pretty straightforward for me although I also had to get my card replaced in case my card information was on a website that had been compromised.

Going "straight to chargeback" is sometimes the only option some users have, and perhaps your buyer was trained to believe that applied in her case. Who can say? She did sound a bit strange in her message to you. That's the nature of dealing with the public, and believe me, I dealt with a lot of strange people in my 13-plus years of working brick and mortar retail.

Do you send your buyers a message at the time you send off their item thanking them for their purchase and encouraging them to get in touch with you if there's a problem?

teenytrinkets · ‎06-10-2021

No, i don't message every buyer. I have too many sales for that. But, I try to achieve what I think is a happy medium by always leaving feedback as soon as I ship, thanking them, saying they're great and paid right away, and listing the date of shipment. Alas, most don't even look at their feedback.

I've had plenty of buyers file INRs and SNADs through ebay over the years, and I usually just refund right away (with a return first for higher value SNADs). And I would have done the same in this case, too, had the buyer not canceled the dispute. I just can't help but think that in this case, MP is the reason I've had my first "Payment Dispute" in 19 years. It could just be a coincidence, but I guess time will tell.