mam98031 • Volunteer Community Member • Buyer/Seller since 1999
@dbfolks166mt wrote:eBay is the merchant of record to the CC company and the one that actually receives the chargeback.
Adyen and PayPal are the merchant of record in a buyer's credit card chargeback; as Charles explains, Adyen and PayPal are the payments processors for eBay.
Instead, eBay is downstream from Adyen and PayPal, and just has large accounts at Adyen and PayPal which eBay uses for withdrawals of payments from buyers, and for refunds to buyers, etc.
@dbfolks166mt wrote:CC Companies like Visa and Master Card continually monitor merchant chargebacks and if those numbers become excessive have added the merchant to a black list which means the merchant is no longer allowed to use or accept Visa or Master Card as one of their customer (buyer) payment methods.
Unlike eBay, PayPal took action.
A decade ago, PayPal was facing rising fees due to excessive buyer chargebacks, so PayPal increased the time for a buyer to file a dispute from 45 days to 180 days, to persuade buyers to file disputes on PayPal, where PayPal maintains control of the dispute, instead of going directly to a chargeback outside of PayPal.
Chargebacks are not created by Ebay. A chargeback is when a buyer goes directly to their Credit Card Company to file a claim.
This is not the same as a buyer that files a Request for return or an INR in Ebay.
Most sellers don't get a bunch of either of these types of situations. There are however categories that are more problematic than others and do get more of them than other categories.
What category are you planning to sell in?
@dbfolks166mt wrote:You are asking the wrong group of people. No seller on eBay or any other ecommerce site ever "receives" a chargeback. While they may have to deal with them eBay is the merchant of record to the CC company and the one that actually receives the chargeback.
Prior to MP, when PayPal was the financial processor, they probably handled millions of these behind the scenes without the seller ever actually knowing or being involved in the dispute process. When eBay setup MP and Adyen became the financial processor that functional process became severely damaged. If you could get eBay to release that number and the amount of money sellers have been defrauded out of it would probably scare the excrement out of a lot of sellers.
CC Companies like Visa and Master Card continually monitor merchant chargebacks and if those numbers become excessive have added the merchant to a black list which means the merchant is no longer allowed to use or accept Visa or Master Card as one of their customer (buyer) payment methods. Imagine the impact this would have on eBay if customers were no longer allowed to pay with Visa or MC.
I think that is a bit confusing and not in the spirit of what the OP was asking.
I'm unsure of what you are saying about MP or PP for that matter. I've always known about a Chargeback that was filed since I've been in MP and I always knew about them in Paypal.
Seems you are trying to complicate this a bit more than is necessary.
I think they are trying to figure out how many returns and/or Chargebacks they can respect on a regular basis to then decide if it is worthwhile for them to sell here. I understand why they ask, especially if they are only coming to the community boards to make this decision. The board if full of complaints and concerns and experiences on the subject.
With that said, none of us would be selling here if there were so many returns and/or Chargebacks that we couldn't run a viable little business and make a profit.
It is also important for @yardens2012 to understand the negativity of the Community threads is normal. This is where people come to vent, rant, ask questions and get answers or advice. That is the nature of community boards. Feel good stories are rare because most would not even participate in one as it doesn't interest them.
In a nutshell most sellers do not get so many returns or Chargebacks that it will prevent the seller from being profitable. I personally don't even average one per Quarter.
