While some are saying that Paypal will side with the buyer in an "item not received" dispute, the others are telling the complete opposite: Paypal won't refund the money if the buyer tells them that the payment is for virtual goods.
I was scammed twice before in which both cases the buyers opened a dispute or a claim against me. I understand that my chances of winning is tiny if a scammer is using a hacked Paypal account to pay me. But I couldn't find out what kind of claims they made from my end as Paypal refused to tell me if it's an "item not received" or an "unauthorized payment" on the phone. In both cases, Paypal's resolution center was asking me to choose from 3 options which non really applied in a virtual trading situation. I called Paypal and told them that I was selling virtual goods and you guessed, I lost both cases.
So my personal experiences not only didn't help me to have a better understanding of the policy, but raised another question: suppose I was selling tangible goods, I received money from a hacked Paypal account and shipped out the goods. The legit owner of this account made an "unauthorized paymeny" claim after he/she found out about it. Now paypal resolution center asks me to choose from 3 options and I pick item sent and provide the tracking number. What's paypal going to do in a situation like this? It is obviously stolen money, but I can provide proof of shipping.
I was scammed twice before in which both cases the buyers opened a dispute or a claim against me. I understand that my chances of winning is tiny if a scammer is using a hacked Paypal account to pay me. But I couldn't find out what kind of claims they made from my end as Paypal refused to tell me if it's an "item not received" or an "unauthorized payment" on the phone. In both cases, Paypal's resolution center was asking me to choose from 3 options which non really applied in a virtual trading situation. I called Paypal and told them that I was selling virtual goods and you guessed, I lost both cases.
So my personal experiences not only didn't help me to have a better understanding of the policy, but raised another question: suppose I was selling tangible goods, I received money from a hacked Paypal account and shipped out the goods. The legit owner of this account made an "unauthorized paymeny" claim after he/she found out about it. Now paypal resolution center asks me to choose from 3 options and I pick item sent and provide the tracking number. What's paypal going to do in a situation like this? It is obviously stolen money, but I can provide proof of shipping.
