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Managed payments and chargebacks

I was required to transfer over to managed payments in late July.  I have already received my 3rd dispute for either item not received and/or unauthorized transaction.  My percentage is higher than it ever was with PayPal, for the 15 years I’ve sold.  Has anyone else who has managed payments experiencing anything similar?  I have $200 on hold now while tracking shows in all cases that the items were delivered.  At least PayPal wouldn’t hold my money when cases were opened but I never did have 3 of them at the same time either.  

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Managed payments and chargebacks

I've read a couple of similar complaints, but I can't think of why such rates would be higher under MP.  

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Managed payments and chargebacks

I think it is because now under this stupid new MP policy the buyer scammers know they can get away with this and ebay is siding much more than ever with the buyer. That is one of the reasons I did not sign up for MP. These buyers know that 9 out of 10 times the seller will send the item and they will get it before a buyer has the money in their hands and ebay is taking it on their selfs to automatically do as they please with your money and do not really care if you get it back or not  . Most buyers are honest but the bad ones are coming out of the wood work like never before. It is a sad new ebay for the sellers with this policy ! I do not think they are practicing any kind of real seller protection like they claim !! Sellers beware !!!

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Managed payments and chargebacks


@muskingum_relics wrote:

I think it is because now under this stupid new MP policy the buyer scammers know they can get away with this and ebay is siding much more than ever with the buyer. 


Is eBay really siding more than ever with buyers who file INRs when tracking shows delivery? 

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Managed payments and chargebacks


@muskingum_relics wrote:

I think it is because now under this stupid new MP policy the buyer scammers know they can get away with this and ebay is siding much more than ever with the buyer. That is one of the reasons I did not sign up for MP. These buyers know that 9 out of 10 times the seller will send the item and they will get it before a buyer has the money in their hands and ebay is taking it on their selfs to automatically do as they please with your money and do not really care if you get it back or not  . Most buyers are honest but the bad ones are coming out of the wood work like never before. It is a sad new ebay for the sellers with this policy ! I do not think they are practicing any kind of real seller protection like they claim !! Sellers beware !!!


Since you are not in MP it is unlikely that you have experience with this.  

 

Ebay has been siding with buyers on INADs on a regular basis since they started Simplified Returns in the fall of 2018.  So that has nothing to do with MP and everything to do with the entire site.  Being in MP does not increase or decrease this problem for sellers.  It is site wide for all of us.

 

If this is a reason you decided not to go into MP, you are simply misinformed.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

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Managed payments and chargebacks


@spreadlovelikefire wrote:

I was required to transfer over to managed payments in late July.  I have already received my 3rd dispute for either item not received and/or unauthorized transaction.  My percentage is higher than it ever was with PayPal, for the 15 years I’ve sold.  Has anyone else who has managed payments experiencing anything similar?  I have $200 on hold now while tracking shows in all cases that the items were delivered.  At least PayPal wouldn’t hold my money when cases were opened but I never did have 3 of them at the same time either.  


It is more likely just what is going on in the world.  I have had more claims whether INR or INAD in 2020 than I've had in total for all the other years I've sold here which is 20 or so years.  Your issues aren't MP related and I completely understand your concern.  

 

We all need to voice our opinions to Ebay regarding MP holding money on when a claim has been filed.  PP had a process for this.  They would take into consideration length of time with PP and Ebay as well has history of claims and how we handled them to come to a conclusion if they wanted to not hold money when a claim is filed.  They don't offer that to everyone.  But many of us earned that status with PP.  I've been trying to encourage MP to adopt such a program too.  So keep on voicing your opinions on the threads, that will certainly help get the point across.

 

Just short of moving into MP I had so many INRs that it was like a juggling act trying to track all of them.  So I completely understand and respect how you feel.  It does seemed to have slowed down for me at the moment.  I sure hope it stays that way.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

Message 6 of 62
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Managed payments and chargebacks

In managed payments transactions shipped with tracking showing delivered to the address provided are supposedly protected from UA and INR claims. OP, what possible reason does c-s give for holding your funds when the transaction clearly qualifies for seller protection in MP?  

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Managed payments and chargebacks


@threshold.sales.group wrote:

In managed payments transactions shipped with tracking showing delivered to the address provided are supposedly protected from UA and INR claims. OP, what possible reason does c-s give for holding your funds when the transaction clearly qualifies for seller protection in MP?  


@threshold.sales.group 

Would you mind giving more detailed information on this please.  INRs and INADs work the same in MP or PP with some few exceptions.  In MP they hold funds on all sellers when a claim or chargeback is filed, for some in PP they do not.  And in MP everything is ran through MP instead of having to deal with two sites Ebay and PP.

 

I'm not sure what a UA is, I know that to mean User Agreement, but clearly you are using it for something else.

 

Buyers are allowed to open an INR anytime they want before or after the tracking shows delivered as long as they have never opened an INAD before trying to open an INR.

 

I know it sounds reasonable that Ebay would block a buyer from opening an INR if tracking shows delivered, but they don't as there can be some exceptions as to why something shows delivered and yet the buyer doesn't think they have it.

 

So if you could give more information, I'd like to better understand what you are referring to.  Thank you in advance.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

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Managed payments and chargebacks


@mam98031 wrote:

I'm not sure what a UA is, I know that to mean User Agreement, but clearly you are using it for something else.

UA = UAuthorized. Kinda like UPI = "Un Paid Item" dispute. We're creating acronyms based on the first letter of syllables now, rather than on the first letter of individual words. 😊

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Managed payments and chargebacks


@pburn wrote:

@mam98031 wrote:

I'm not sure what a UA is, I know that to mean User Agreement, but clearly you are using it for something else.

UA = UAuthorized. Kinda like UPI = "Un Paid Item" dispute. We're creating acronyms based on the first letter of syllables now, rather than on the first letter of individual words. 😊


Thank you.  Well then if a UID is involved, the rules for that are the same for everyone.  There is no different rule for those in MP.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

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Managed payments and chargebacks

My question probably doesn't belong here, but does anyone know

By the end of 2020, eBay will manage payments for most sellers. This is the first sentence of the message informing me I will have to register for the MP program.

My question is who are the sellers that are exempt.  

 

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Managed payments and chargebacks


@bobsattic1929 wrote:

My question probably doesn't belong here, but does anyone know

By the end of 2020, eBay will manage payments for most sellers. This is the first sentence of the message informing me I will have to register for the MP program.

My question is who are the sellers that are exempt.  

 


Those that primarily sell and have a history of selling in the categories that are restricted from entering MP at this time.  Ebay is working on fixing the issues that currently prevent them from going into MP sometime next year.

 

FYI, simply starting to sell in the restricted categories now after you have been told you are going into MP will not prevent you from going into MP if you want to remain selling on Ebay.  Some tried that and of course failed as Ebay can see your history of course.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

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Managed payments and chargebacks

UA = Unauthorized use.

 

The OP is referencing credit card initiated disputes.  Seller per the published Managed Payments policy should be protected from both unauthorized use and item not item not received claims initiated by credit card companies (or card holders) as long as they ship with tracking, which shows delivered to the address provided. 

 

My question to the OP is what justification did c-s offer for continuing to hold funds after verifying that the transaction met all the requirements for managed payments seller protection. Curious to know the purpose of holding funds from the seller for a dispute he / she is guaranteed to win one way or the other? 

Message 13 of 62
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Managed payments and chargebacks

UA - Unauthorized Access to an account or payment method?

 

Some charge backs are filed by buyers who claim somebody accessed their payment source without permission.  Buyers don't recognize the payment to eBay on their credit card statement for a purchase and assume somebody gained unauthorized access to their credit card information and bought something.  Has happened to me three times since I joined managed payments in 2019.

 

eBay won every one of those payment disputes.  They were all found in my favor and no refunds were given.    

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Managed payments and chargebacks

@spreadlovelikefire 

 

I think you'd easily be able to handle (and win) INRs... since we get to help with INRs.

 

The whole business about 'Unauthorized' transactions bothers me. The information provided to the buyers doesn't give them enough info to jog their brains. I truly think that good buyers simply don't recognize the transaction (a month later when invoiced) and cry 'UA' to their CC too quickly.

 

Too bad we can't help with UAs.  I don't fully understand what the MP process is on those (other than eBay handles them), but I like to handle my business before eBay has to. If we were involved with UAs, we could contact the buyer, or provide info needed to prove they'd purchased something.

 

It's a real head-scratcher...

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