Wednesday, February 20, 2013

How to Do a Chargeback Over PayPal


1. Determine the exact reason why you want to do a chargeback. You must be able to explain exactly why you are disputing the charges and exactly how PayPal's services enter into the equation. You'll need to explain them to both PayPal and to your credit card company to do a proper chargeback.
2. File a transaction dispute and/or an unauthorized charge report on PayPal. While this is not strictly a chargeback, it will start to lay the groundwork and will provide you with additional documentation for your chargeback.
3. Notify your credit card company that you wish to instigate a chargeback. The process itself is conducted mainly through them and not through PayPal, though they are involved if the transaction took place over their service. Your company will notify PayPal's merchant bank, which will speak to PayPal concerning the chargeback.
4. Inform PayPal about the website where you made the purchase and the specific issue you have with the product. PayPal will allow you to report a possibly phony website, which will help make your chargeback go over more readily (see Resources below).
5. Check the name, credit card number and shipping address in the order to make sure that it matches the details on PayPal. That will help clear up any possible dispute over any chargeback you do and make sure that the issue (such as product being sent to the wrong address) doesn't repeat itself.

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