1. Advertising
    y u no do it?

    Advertising (learn more)

    Advertise virtually anything here, with CPM banner ads, CPM email ads and CPC contextual links. You can target relevant areas of the site and show ads based on geographical location of the user if you wish.

    Starts at just $1 per CPM or $0.10 per CPC.

Paypal Dispute problem - urgent help

Discussion in 'Payment Processing' started by phpsolution, Sep 27, 2013.

  1. #1
    upload_2013-9-27_10-47-22.png



    I am not sure how paypal can create chargeback or dispute after 6 months ?

    I got this payment before 6 month for site selling and after 6 month he create chargeback on his credit card. I sent email so he told me that traffic is going down. he is stupid but i want to know what i can do for this please help me.
     
    phpsolution, Sep 27, 2013 IP
  2. competent123

    competent123 Notable Member

    Messages:
    1,601
    Likes Received:
    52
    Best Answers:
    6
    Trophy Points:
    205
    #2
    you will win, as buyer protection is for tangible goods only, dont' worry about it.

    just make sure your balance does NOT go negative otherwise they will put you in high risk category, and your paypal will be closed.
     
    competent123, Sep 27, 2013 IP
  3. SAGILIO

    SAGILIO Member

    Messages:
    212
    Likes Received:
    3
    Best Answers:
    0
    Trophy Points:
    35
    #3
    date of transaction 12 th April 2013
    180 days ( 6 months ) will be end on 12 th October 2013

    so first of all its under 180 days( 6Months )
    and i am 99% sure that u will gonna loose this case and your account will be under negative balance since its a credit card charge back .
     
    SAGILIO, Sep 27, 2013 IP
  4. phpsolution

    phpsolution Active Member

    Messages:
    432
    Likes Received:
    2
    Best Answers:
    0
    Trophy Points:
    60
    #4
    It is Digital product
     
    phpsolution, Sep 27, 2013 IP
  5. Fakher

    Fakher Well-Known Member

    Messages:
    345
    Likes Received:
    38
    Best Answers:
    1
    Trophy Points:
    115
    #5
    Agreed, this is a credit card charge back and this might have been initiated by credit company (on end user's request). So PayPal them self might not be able to help you on that.
    I am sorry to say but I think you are going to lose this dispute.

    The only solution i see for this is, try to talk to that person and sort things out with him personally.
     
    Fakher, Sep 27, 2013 IP
  6. SAGILIO

    SAGILIO Member

    Messages:
    212
    Likes Received:
    3
    Best Answers:
    0
    Trophy Points:
    35
    #6

    PLus who initiate the charge back if he cancel the same he have to pay service charge to the bank for this .
    So @phpsolution U take this in your mind if u r going to negotiation mode with the customer .

    U will not get seller protection ( 200% ) even if u deliver the product .
     
    SAGILIO, Sep 27, 2013 IP
    Fakher likes this.
  7. kantus

    kantus Well-Known Member

    Messages:
    221
    Likes Received:
    21
    Best Answers:
    0
    Trophy Points:
    105
    #7
    This sucks but your best course of action is to try to get in touch with the buyer. Perhaps it's a misunderstanding or accident?

    If this is a chargeback issued by the financial institution that issued the card then you're probably not going to be able to win just by contacting paypal. They won't be able to do anything about it themselves unfortunately.

    Best of luck, PayPal fraud really sucks.
     
    kantus, Sep 27, 2013 IP
  8. WebDev Solutions

    WebDev Solutions Well-Known Member

    Messages:
    1,501
    Likes Received:
    57
    Best Answers:
    2
    Trophy Points:
    170
    #8
    The OP will most certainly NOT win.

    If it was just a dispute in Paypal, they would. But this is a chargeback from the credit card company, the OP stands very little chance of keeping this money as they cannot provide tracking for Digital Goods and that's what the CC company would require.

    Legal action is the best way for OP.

    WebDev
     
    WebDev Solutions, Sep 27, 2013 IP
  9. competent123

    competent123 Notable Member

    Messages:
    1,601
    Likes Received:
    52
    Best Answers:
    6
    Trophy Points:
    205
    #9

    thank you for clarifying this to me.

    regards
     
    competent123, Sep 27, 2013 IP
  10. phpsolution

    phpsolution Active Member

    Messages:
    432
    Likes Received:
    2
    Best Answers:
    0
    Trophy Points:
    60
    #10
    I sold him one good website he never did any SEO after purchase and traffic is going down so he did chargeback and now i lost my site and money too. I can't sleep whole night.

    There is no solution for this or what should i do for future deal so it will never happen again
     
    phpsolution, Sep 28, 2013 IP
  11. matt_62

    matt_62 Notable Member

    Messages:
    1,615
    Likes Received:
    401
    Best Answers:
    13
    Trophy Points:
    245
    #11
    To be honest, I am in shock. I have never heard of chargebacks done so late. 3 months, yes, but I have never ever heard of chargebacks after 5-6months.

    All of the payment options (EXCEPT BITCOIN), have to follow and process chargebacks from the creditcard company, so it is possible that his can happen using any of the other payment processing options.

    what country are you in and what country is the buyer in?
    if he has complained over the traffic going down, is there any way you can try to convince him to drop the dispute, and you will (at your cost) hire SEO experts to do SEO for his site (just say or promise whatever you have to do get the dispute dropped)

    there are some people that are idiots, they hear about the sellers paypal protection, and think this is like "insurance" where they can get the money back from paypal, but what they dont realise is that they are "stealing" their money back directly from hard workers. (EG, many people on ebay wont pay for insurance for an item, as its covered by the paypal insurance, but if something arrives damaged / stolen in transit, the paypal insurance doesnt exist, and simply steals the money from the seller.)

    Its just scary, I mean, I accept paypal for my webhosting company, but to think that all income for the last 6 months could be stolen back, sheesh.

    maybe we should all move to bitcoin....
     
    matt_62, Sep 28, 2013 IP
    Fakher likes this.
  12. phpsolution

    phpsolution Active Member

    Messages:
    432
    Likes Received:
    2
    Best Answers:
    0
    Trophy Points:
    60
    #12
    I am in USA and he is in DUBAI. he claim that this transaction is not authorized and he is not aware about this transaction.
     
    phpsolution, Sep 28, 2013 IP
  13. matt_62

    matt_62 Notable Member

    Messages:
    1,615
    Likes Received:
    401
    Best Answers:
    13
    Trophy Points:
    245
    #13
    does the email address on his paypal match the email address that you did business with?
     
    matt_62, Sep 28, 2013 IP
  14. SAGILIO

    SAGILIO Member

    Messages:
    212
    Likes Received:
    3
    Best Answers:
    0
    Trophy Points:
    35
    #14
    then its unauthorized transaction .
    do u know is this normal paypal unauthorized transaction claim or credit card charge back with the reason unauthorized transaction ?

    If its normal paypal dispute then you have a big chance to win
    if its cc chargeback then still you can win the case because he did the transaction on 12 th april and cc statement should reach to him by next month that is may2013 and now its september so he already made the payment towards cc company and no body can raise dispute by saying it unauthorized after the statement period over because each and every cc statement clearly stated that " if u have any dispute call us or notify us within 21 days else this statement will be treated as final "

    Hope u understand what I am saying .
     
    SAGILIO, Sep 28, 2013 IP
    lead2play and Fakher like this.
  15. Fakher

    Fakher Well-Known Member

    Messages:
    345
    Likes Received:
    38
    Best Answers:
    1
    Trophy Points:
    115
    #15
    Well, i think as SAGILIO, yes you might still have a chance.
     
    Fakher, Sep 28, 2013 IP
  16. ryan_uk

    ryan_uk Illustrious Member

    Messages:
    3,954
    Likes Received:
    1,010
    Best Answers:
    33
    Trophy Points:
    415
    #16
    Take Visa, as an example, and their time period is 540 days for chargebacks (although it might vary depending upon region and local laws) and time limits for each step of it. The cardholder also has a time limit of 120 days from when they were made aware of the problem.
     
    ryan_uk, Sep 28, 2013 IP
    Fakher likes this.
  17. Fakher

    Fakher Well-Known Member

    Messages:
    345
    Likes Received:
    38
    Best Answers:
    1
    Trophy Points:
    115
    #17
    Oh wow, that is almost a year and a half.... :O
     
    Fakher, Sep 28, 2013 IP
  18. SAGILIO

    SAGILIO Member

    Messages:
    212
    Likes Received:
    3
    Best Answers:
    0
    Trophy Points:
    35
    #18
    No u r wrong here
    In visa- protection period 180 days

    all over the world no exception even if if u have premier or platinum card like me .
     
    SAGILIO, Sep 28, 2013 IP
  19. ryan_uk

    ryan_uk Illustrious Member

    Messages:
    3,954
    Likes Received:
    1,010
    Best Answers:
    33
    Trophy Points:
    415
    #19
    It is 540 days (except maybe for some countries) in which to dispute it if the goods/service, albeit certain conditions attached. As I mentioned, there might be regional variations. Check the changes since October 2012, mate.
     
    ryan_uk, Sep 28, 2013 IP
  20. phpsolution

    phpsolution Active Member

    Messages:
    432
    Likes Received:
    2
    Best Answers:
    0
    Trophy Points:
    60
    #20
    Yes i deal all communication with same email address. I am not sure how it can happen ? I am searching way to prove myself. It is pure cheating. I never sure how paypal think about buyer only . Thank you to Sangilo. I understand what you are taking to say
     
    phpsolution, Sep 28, 2013 IP