Payment Methods

[bks2100]

My work was just talking about how in the state of Texas, laws just changed where if your credit card is stolen, the bank no longer covers what is charged to your card, YOU have to cover any charges made by a stolen card. I don't know if that's the case in other states as well. If so, it may lower the chance of getting scammed via credit card as buyers now cannot claim a card is stolen and get reimbursed.

That doesn't sound right, I think it might have been more along the lines of the new chips in cards, I've heard some card types are no longer waiving liability on stolen card charges if you don't upgrade to the chip card.

[bcr229]

That doesn't sound right, I think it might have been more along the lines of the new chips in cards, I've heard some card types are no longer waiving liability on stolen card charges if you don't upgrade to the chip card.

This, but the risk of loss is on the merchant not the card holder if the merchant doesn't switch to a system that uses a chip reader.

[Mr. Misha]

This, but the risk of loss is on the merchant not the card holder if the merchant doesn't switch to a system that uses a chip reader.

The chip only works with physical transactions. Online transactions are still a free for all because there's no way to generate the authentication code that happens with physical transactions.

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[Dave Green]

I've had a few people try and reverse payment that went through PayPal, one after 17+ months. They usually say the card was stolen or unauthorized use. I've won each dispute by just providing the info PayPal requested. Last I looked the seller is protected by PayPal if the transaction is under $750, you can provide shipping info (fedex tracking) and you ship to the verified address listed in PayPal. I've never had an issue beyond the inconvenience.

[Mr. Misha]

I've had a few people try and reverse payment that went through PayPal, one after 17+ months. They usually say the card was stolen or unauthorized use. I've won each dispute by just providing the info PayPal requested. Last I looked the seller is protected by PayPal if the transaction is under $750, you can provide shipping info (fedex tracking) and you ship to the verified address listed in PayPal. I've never had an issue beyond the inconvenience.

I thought PayPal doesn't cover animal transaction in disputes. Or did they do it through their cc?

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[Dave Green]

I thought PayPal doesn't cover animal transaction in disputes. Or did they do it through their cc?

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All PayPal disputes, I never had them ask if it was a live animal. I had my paperwork in order and they sided with me each time.

[OhhWatALoser]

I thought PayPal doesn't cover animal transaction in disputes. Or did they do it through their cc?

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Paypal does not provide their "buyer protection" service with live animals.

[Mr. Misha]

Paypal does not provide their "buyer protection" service with live animals.

Got it. Thanks for clearing that up.

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[StillBP]

If I pay for something with PayPal and then never get my purchase, I can open a case with PayPal and ultimately get refunded if it's actually a fraudulent attempt on the sellers behalf. I've had this happen once.

I actualy had this happen too but ended up loosing the $250 as paypal refused to give me a refund as it was e-merchandise and nontangable
for this reason alone I will not use paypal

tho you are right not to ship until money is clear If i were to pay with a check they wait 7-10 business days before shipping

[Marrissa]

Interesting thread. I'm now even more confused about what payment methods are safest for me, but also not a deterrent to buyers. Now that pairings have been underway I'm trying to figure all this out.