PayPal easily allows a buyer to open a dispute (preceding a refund) when the purchased item is not exactly as described (for example - item not received; item damaged). This feature is excellent for buyers, since a buyer can rest in peace ( I get what I want and payed for, or my money returns to me! ). There are many sites trying to sell scams!... When paying by credit card, is it possible to do something similar to PayPal's open a dispute feature?... How?... How to revert a scammed purchase (money refunding)?
Thanks in advance,
Best regards.
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Dear Asgar,
Paypal provides a forum for dispute settlement, where buyer and seller can communicate ans settle the problem by refund or redelivery of a fresh item ordered. Further it can be escalated to claim and Paypal at its discretion may award the buyer the claim of buyer if funds are available in the seller's account. Further it can blacklist the seller. None of these are available by any credit card service provider. They can at the most block your card against further misuse by the seller. They will not do anything like Paypal as the seller is not a member of Credit card system unlike in case of Paypal. So in conclusion, you have no way to start the dispute redressal except through the forum/portal like ebay through which you did the purchase.
Best wishes
Mani1949
Mani1949:
"None of these are available by any credit card service provider. They can at the most block your card against further misuse by the seller. They will not do anything like Paypal as the seller is not a member of Credit card system unlike in case of Paypal. So in conclusion, you have no way to start the dispute redressal except through the forum/portal like ebay through which you did the purchase."
This statement is completely false. I have been scammed on ebay and never received an item. I tried the paypal resolution process during which the seller refused to respond. Then it escaled to a claim and they sided with me but there qwere no funds left in his paypal account so they will not refund the purchase.
I called my credit card company and told them the situation and they refunded my money, 100% and then they investigate the issue further. Try reading the agreement that you sign when you apply for a new credit card. There is always buyer protection and fraud protection (not to mention double the warranty up to two years)
Dont try telling this member that the credit card company will offer not form of recourse. You are definitely mistaken.
First of all, I want to thank you for replying!
Jerkson and Mani1949 - you do disagree... I think the truth is - "it depends on the credit card company (some offer more buyer protection than others) as well as it depends on the online site/service/store (again, some offer more buyer protection than others)"... Therefore, each situation is an unique situation...
I am very happy to read your answers, even in disagree, because I already had that idea ("each situation is an unique situation"), but, as I am a newbie, I was afraid to be missing some important feature. Now I feel more confident - online buying is always a risk, especially in case of "non-famous" sources...
I have purchased many books on Amazon.com, and never had a problem.
On the other hand, I also purchased some applications (software for Windows), and sometimes the eMail with the license code never arrived... I lost my money and I still unable to register the software... Some of this situations occurred when I paid through PayPal, and it is really true - I open disputes and I always got my money back! PayPal always saved me from the scam... The problem were those purchases paid directly through credit card - my money never came back...
I talked with my credit card company, and they stupidly said - "You made an purchase on the internet? eCommerce? Sorry, we know nothing about it... Here (in Portugal) nobody buys online, you are the first customer we found...".
Therefore, I usually prefer to pay through PayPal, while I wait for my credit card company to define strategies specifically about eCommerce...
Thank you very much for your time and attention,
Best regards.
Business Accounts
Answer for Membership
by: JerksonPosted on 2009-09-19 at 06:16:47ID: 25372958
Paying by your credit card offer TONS more security than "paypal's buyer protection" which in my opinion is a farce.
Call your credit card company and issue what they call a chargeback. Say you paid money foer one of those spyware infections posing to be an antivirus or something, they will issue a refund and go after the seller.
Most credit cards offer something rediculous like $40k in fraud protections to cover things like this.
Paypal on the other hand.... they will only refund your money if the seller still has it in their paypal account. Otherwise they just give up and it "tough luck" to you.