mam98031 • Volunteer Community Member • Buyer/Seller since 1999
@rseuqinh wrote:
@mam98031 wrote:
@rseuqinh wrote:
@mam98031 wrote:Thank you. That is my understanding as well.
This is your understanding:
@mam98031 wrote:While some buyers do use PayPal to process a credit card payment they don't process them all. Ebay can and does process credit card payments without anything to do with PayPal.
While some buyers do use PayPal to process a credit card payment
they[PayPal] don't process them all.
Ebay can and does process credit card payments without anything to do with PayPal.
This is how it actually is:
devon@ebay wrote:Hey @mam98031! As a seller in a chargeback scenario you will work with eBay directly and not with the payment processor. We (eBay) will ask and provide any of the information that the payment processor is requesting.
As a seller in a chargeback scenario you will work with eBay [the PayPal accountholder] directly and not with [PayPal] the [credit card] payment processor.
We (eBay) will ask and provide any of the information that [PayPal] the [credit card] payment processor is requesting.
I don't even know what you are trying to argue anymore.
All claims and Chargebacks go through Managed Payments no matter the payment method of the buyer.
It's all right there.
Your misunderstanding that "Ebay can and does process credit card payments without anything to do with PayPal."
And Devon stating "We (eBay) will ask and provide any of the information that the payment processor is requesting." where Devon clarifies that eBay is never the payment processor.
Come on, are we arguing just to argue. You clearly misunderstand the statement and overlook the word CAN. There is nothing incorrect about what I said. Ebay CAN and Does process Credit Card payment on a daily basis. They do not and have not depended on PayPal for processing CC payments since Managed Payments was rolled out. Certainly buyers have the option of using Paypal which includes using them for a CC payment, but buyers do NOT have to use PP to pay with a CC.
That is NOT what Devon said, even your copied statement from him doesn't say that. You read more into it that he actually said.
@mam98031 wrote:Come on, are we arguing just to argue. You clearly misunderstand the statement and overlook the word CAN. There is nothing incorrect about what I said. Ebay CAN and Does process Credit Card payment on a daily basis. They do not and have not depended on PayPal for processing CC payments since Managed Payments was rolled out. Certainly buyers have the option of using Paypal which includes using them for a CC payment, but buyers do NOT have to use PP to pay with a CC.
That is NOT what Devon said, even your copied statement from him doesn't say that. You read more into it that he actually said.
No, you are mistaken. eBay leverages two payments processors, PayPal and Adyen.
At eBay Checkout where you wrote eBay can and does process credit card payment, Adyen is the payments processor for credit and debit cards, plus Apple Pay and Google Pay which eBay touted as why Managed payments is better than PayPal which eBay previously used as the payments processor at eBay Checkout.
And Devon repeated this, that sellers only work with eBay directly and not with the payment processors PayPal or Adyen.
Thank you for clarifying what you understand about how Managed payments works.
You might want to check the date on that message you want to depend on. At the time that message / post was created Ebay was in the process of rolling out Managed Payments Sitewide. So most sellers at the time of that post were still in PayPal. The roll out of MP was not completed until December of 2021. But most sellers were likely in MP by the summer of 2021.
With that said, Ebay does not allow sellers to use PP anymore. That period in time is OVER. If you read Charles' post very carefully, it isn't saying what you think it is.
From that message you should pay special attention to what Charles said "...when Ebay manages your payments, the only relationship is with Ebay, not any third party payment processor". So that means once you are in MP, Ebay is the processor period.
I wasn't incorrect in what I said. For example 30 returns with buyer pays shipping does NOT mean that all buyers filing for a return will pay for their own return shipping, just those that file an actual Buyer's Remorse return, the seller still pays return shipping on INADs.
With Free Returns, it means that no matter the reason for the return, the seller will pay for return shipping. That does not mean that a seller can't TRY to deny or fight a claim. Not that that works out very well very often, but they can if they want.
The term Free returns refers to when the seller pays return shipping no matter the reason for return, with no restocking fee.
https://export.ebay.com/en/seller-performance/transactions/how-returns-work/
You are kind of funny. I didn't post Charles' post, YOU did.
Ebay is your Payment Processor for all sellers in Managed Payments. Ebay is a legally set up Payment Processor.
Of course if the CCC of the Chargebacks askes for some information would you prefer Ebay never told you? What is your point. Of course they would share that with the seller!
eBay Chargebacks: How Does eBay Handle Payment Disputes?
When eBay receives a chargeback, it will alert the merchant and work with them to resolve the issue.
They give the merchant five days to accept the chargeback or contest it.
How Does eBay Handle Payment Disputes?
When an eBay buyer pays for a purchase with their credit card, they retain the right to dispute the transaction with their issuing bank and request a traditional chargeback. The valid reasons for an eBay dispute are the same as for any other e-commerce merchant—unauthorized transactions, products that aren’t what they were described to be, missing shipments, and so on.
When eBay receives a chargeback, they will notify the seller and work with them to resolve it. The seller must decide within five days whether to accept the chargeback or contest it. If the chargeback is accepted, eBay will deduct the funds from the seller’s account and, if possible, attempt to recover the merchandise from the buyer.
If the seller wants to challenge a dispute, they must select that option and submit their compelling evidence to eBay through the Seller Hub. eBay will send updates about the status of the dispute and may, in some cases, request additional evidence.
If the seller wins the dispute, they get to keep their funds. If they lose, the funds are taken away and the seller is charged a $20 dispute fee. Sometimes, eBay may determine on their own that a chargeback is invalid and dispute it regardless of the seller’s instructions, but when they do this the dispute fee is waived.
https://www.chargebackgurus.com/blog/ebay-chargebacks
https://www.ebay.com/help/selling/getting-paid/handling-payment-disputes?id=4799
@mam98031 wrote:From that message you should pay special attention to what Charles said "...when Ebay manages your payments, the only relationship is with Ebay, not any third party payment processor". So that means once you are in MP, Ebay is the processor period.
Um, you yourself quoted Charles from that post (which is still valid today) to misconstrue your contention, a fail unfortunately.
Here's a picture, since we've demonstrated how we fail to properly read and understand quite frequently.
@xadexane wrote:
@mam98031 wrote:From that message you should pay special attention to what Charles said "...when Ebay manages your payments, the only relationship is with Ebay, not any third party payment processor". So that means once you are in MP, Ebay is the processor period.
Um, you yourself quoted Charles from that post (which is still valid today) to misconstrue your contention, a fail unfortunately.
Here's a picture, since we've demonstrated how we fail to properly read and understand quite frequently.
OK, my interpretation of how Managed Payments works is accurate, but I see why it gets confusing. Sellers on Ebay are no longer allowed to use PayPal as a money processor. Buyers can use PP to submit payment, but it still runs through Managed Payments. If the buyer files a Chargeback, the buyer does that directly with their financial institute and then Ebay is notified of the Chargeback, in turn Ebay notifies the seller of the Chargeback.
For clarity, would one of the Community team please respond and clarify how a Chargeback is handled even if PP was the payment method of the buyer.
Note a post of Charles' was posted a few posts back, which to me was clearly written, but there seems to be different interpretations of his email. So your help to clarify would be greatly appreciated.
@kennys-kollectibles wrote:Of course Ebay could control it. Eliminate it.
And there are other ways to control it. Are they even trying?
You miss my point....what is the incentive to stopping this, if
ebay itself is immune to the damage?
In any crime, if one entity allows something bad to happen when
they could have stopped it, are they not themselves partially responsible?
If the credit card companies are operating in a shady manner then
avoiding them would seem to be the answer.
My bank account is linked with ebay along with probably every other seller and buyer here.
That is all we really need.
Ebay survived 20 or so years without credit card payments.
Are you saying that credit card fraud can't be controlled by any company
and that people will continue to be frauded without anyone being accountable?
So, anyone can buy a $5,000 item and use this "chargeback" feature and keep the item as well?
You are correct, they could. If Ebay stopped allowing any kind of debit card or credit card payment, all chargebacks would be a thing of the past.
"Ebay survived 20 or so years without credit card payments." What? No! Credit card payments have been allowed for many years. Before they were processed by PayPal, but since the start of Managed Payments, Ebay processes the CC payment unless the buyer pays with PP. However if there were to be a Chargeback, it would still be managed in Managed Payments.
"Are you saying that credit card fraud can't be controlled by any company" Nope, didn't say that.
It is a known risk when selling high end items.
