There is a new scamming trend utilizing paypal's echeck payments. Well, it's at least new for me...lol. We're all familiar with chargebacks and disputes but this was new for me. Here is how it works: If you're selling digital products and use the setting "Send buyers to this page after successful payment" in paypal's button creation page, then this can easily be used to download your products without payment. The user pays via echeck, gets redirected to the thank you page, downloads your products and cancels the transfer. You wait for around 10-12 days and paypal sends you the 'Payment Failed' notification. Frustrating, I know. Solutions: - Manual Approval: You can manually send the product after echeck payment clears. The drawback of this is that you remove the 'INSTANT DOWNLOAD EVEN IF IT'S 2a.m' tag which gives a good motivation to buyers to actually buy. In addition, it requires a lot of work from your side, a little delay and some impatient buyers may go mad. - Decline echeck payments altogether: Go here: https://www.paypal.com/ca/cgi-bin/webscr?cmd=_profile-pref (you must be logged in to paypal) Tick "Block the following payments: Pay with eCheck or German bank transfer for all website payments except eBay. NOTE: You may not block eCheck payments on eBay." The drawback of this is that you obviously can't accept payments from legit customers. - Use an IPN script (preferred) There are many scripts out there that rely on PayPal's IPN (Instant Payment Notifications) to automatically delever your digital products. The majority of these scripts will not forward the user to the download page when they pay via echeck, instead, it'll wait till the echeck clears and paypal's notifies it, then it will instantly send them the download link via email. This is the preferred solution since it will still provide instant download for instant payments as well as instant download when echeck payments clear, removing any unnecessary delays and hassles on your side. Apart from that, IPN scripts provide more security like download links that expire automatically. Searching Google would yield a lot of useful results. I personally use a script I bought for under $10 and it has every feature I can think of. If you'd like a recommendation, just drop me a PM. I suggest to sticky this to alert users to this threat, however, it's totally up to mods of course.