Someone ordered an eBook from me several months ago through PayPal---now, the customer disputes the payment, said he never initiated the purchase, and wants his money back.
No big deal--it's not inventory, it was an eBook. However, I didn't think this was possible with PayPal, since they validate the Credit Card Numbers and CID (3 or 4 Digit Security Code that appears on the front or back of a Credit card).
Apparently, if I really, really, really want to prevent chargebacks like this from occurring, I need to pay more money for the transaction than I already do.
I can't wait to see what the below listed 'settlement fee' costs me.
Here's the email I just received.
Dear John Smiley
We recently notified you that one of your buyers filed a chargeback withtheir credit card company indicating unauthorized credit card use.
It is PayPal's standard practice to attempt to dispute wrongfulchargebacks. After careful consideration of the information provided by youand the buyer regarding the transaction detailed below, we have determinedthat we will be unable to successfully dispute this chargeback with thebuyer's credit card issuer.
Since the credit card issuer granted the chargeback to the buyer, we havedebited $12.95 USD from your PayPal account in order to reimburse thebuyer. This is in accordance with the terms of the PayPal User Agreement.
Also, PayPal was charged a settlement fee. As a result we debited yourPayPal account to pay for this fee. This action was taken in accordance with the terms of the PayPal User Agreement.
Please review the transaction information below and other details about this case.
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