Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 28 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 13 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 11 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 6 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source 's bank or provider (or both) because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 5 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider ('s bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months (Disputes Ratio). For example, for a dispute raised in September, your Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July and August. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 4 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee fees or Dispute feefees). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee fees or Dispute feefees). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source bank or provider (or both) because we receive a claim from either of them to return the payer or their funding source provider payment for the payment amount under the reversal process used by that funding source bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source bank or provider (or both) because we receive a claim from either of them to return the payer or their funding source provider for the payment amount under paymentunder the reversal process used by that funding source bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) 's card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerprovider bank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “"chargeback” " with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “"Selling Safely”". The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreementUser Agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreementUser Agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.–
Appears in 3 contracts
Samples: User Agreement, User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreementUser Agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreementUser Agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider ('s bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised transactions or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized an unauthorised transaction or incorrect payment or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.–
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 2 contracts
Samples: User Agreement, User Agreement
Reversals. If you receive a payment in your accountaccount and a reversal takes place, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source 's bank or provider (or both) because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source provider bank or provider. This includes any claims for unauthorised transactions or incorrect payments made to your account. • You fail to respond or provide accurate and complete information in response to PayPal's inquiries related to claims or chargebacks in a timely manner. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized an unauthorised transaction or incorrect payment or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Dispute fees If you are a seller, this section applies. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service.The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either theStandard Dispute feerate or theHigh Volume Dispute fee erate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. Your total claims do not include claims for Unauthorised Transactions. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorised Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You willnotbe charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees If you are a seller, this section applies. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal’s Buyer Protection program on sellers If you are a seller, this section applies. You should read our provisions on PayPal’s Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in a region other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those regions as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection program provisions in the corresponding user agreement. If you lose a claim under PayPal’s Buyer Protection program in any country: • You must forfeit the full purchase price of the item or transaction plus any original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: • The refund to a buyer is processed through PayPal, or • You provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. PayPal's Seller Protection Program If you are a seller, this section applies. What's eligible If you have sold something to a buyer and have already shipped the physical item or provided an intangible good and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal’s Seller Protection program. When it applies, PayPal’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. The program terms and conditions are set out in PayPal’s Seller Protection program page and form part of this user agreement. PayPal Advertising Program If you are a seller, this section applies. The PayPal Advertising Program enables you to promote PayPal services, including PayPal’s Pay Later offers, through PayPal-hosted banners and buttons on your websites or in your customer emails. PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time. If you participate in this program: You must: You must not: Comply with all integration requirements provided by PayPal or each authorised third partner, including those with respect to the accurate presentation of all PayPal related information. Modify any PayPal content or its presentation in any way. Only use the code for PayPal content as provided by PayPal. Copy PayPal content from other websites. Use the PayPal content in its entirety with all the links and language provided by PayPal and without any modification by you. Create, display or host your own PayPal content, unless authorised by PayPal in writing. Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third party partner to do so, if you stop using a qualifying PayPal payments solution. Post PayPal content on social media networks or platforms or anywhere else, unless authorised by PayPal in writing. Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the code to facilitate future updates. Display any PayPal content that is not current. Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self- regulatory bodies. If you promote the use of PayPal’s Pay Later offers on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. If you receive customer inquiries relating to either PayPal Credit or Pay in 3, you must direct the customer to PayPal Customer Support. You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you fail to follow these rules, we may limit or close your PayPal account. RESTRICTED ACTIVITIES, HOLDS, & OTHER ACTIONS WE MAY TAKE Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and us as listed under the “Legal Agreements” page. • Violate the provisions of any law applicable to you (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libellous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive funds that we reasonably believe to be potentially fraudulent or unauthorised funds. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information we request further to PayPal’s money laundering, counter terrorist financing and/or other regulatory obligations. • Attempt to receive more than one refund or reimbursement for the same transaction from PayPal, the seller, another PayPal user, bank and/or card issuer. • Control a PayPal account that is linked to another PayPal account that has engaged in any of these restricted activities. We determine that accounts are linked based on information we collect in accordance with the PayPal Privacy Statement by taking into account registration and use information (e.g. name, address, phone and email address), transaction information (e.g. card and bank account information) including device information, technical usage data and geolocation information. • If you are not a consumer, conduct your business or use the PayPal services in a manner that results in or may result in the following: • Legitimate complaints in a number which exceeds normal and reasonable industry standards. • Legitimate requests by buyers (either filed with us or card issuers) to invalidate payments made to you in a number or at a rate which exceeds acceptable thresholds set by the relevant card network or acquirer. • Fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • If you are a consumer, conduct your business or use the PayPal services in a manner than results in or may result in fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • As a cardholder, use your PayPal account or the PayPal services in a manner that your card issuer reasonably believes to be a breach of your cardholder agreement. Additionally, if you are not a consumer, use your PayPal account or the PayPal services in a way that card issuers or payment processors reasonably believe to be an abuse of the card system or a violation of card association or network rules. • Have a PayPal account with a negative balance which is when your account reflects an amount owing to us. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on our permitted countries list. • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services. • Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorised access to any system, data, information or PayPal services. • Use an anonymising proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include the full purchase price of the item and original postage costs (and in some cases, you may not receive the item back). Our Seller Protection policy may help cover your liability in certain cases, subject to eligibility. PayPal Seller Protection We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account must: • at all times be in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your account to the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement. Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and us; • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising); • Infringe PayPal’s or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; • Sell counterfeit goods; • Act in a manner that is defamatory, trade libelous, threatening or harassing; • Provide false, inaccurate or misleading information; • Send or receive what we reasonably believe to be potentially fraudulent or unauthorized funds; • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; • Attempt to “double dip” during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction; • Control an account that is linked to another account that has engaged in any of these restricted activities; • Conduct your business or use the PayPal services in a manner that results in or may result in; • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you; • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules; • Allow your PayPal account to have a balance reflecting an amount owing to us; • Provide yourself a cash advance from your credit card (or help others to do so); • Access the PayPal services from a country that is not included on our permitted countries list; • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; • Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; • Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; • Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users’ use of any of the PayPal services; • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers; • Use the PayPal services to test credit card behaviors; • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account; or • Harass and/or threaten our employees, agents, or other users. • Abuse (as either a buyer or seller) of our online dispute resolution process and/or PayPal Buyer Protection; • Cause us to receive a disproportionate number of claims that have been closed in favour of the claimant regarding your PayPal account or business; • Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal services; • Use a credit card with your PayPal account to provide yourself with a cash advance (or help others to do so); • Disclose or distribute another user’s information to a third party, or use such information for marketing purposes unless you receive the user’s express consent to do so; • Send unsolicited email to a user or use the PayPal services to collect payments for sending, or assisting in sending, unsolicited email to third parties; • Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal website(s) without our or any applicable third party’s written consent; • Reveal your account password(s) to anyone else, nor may you use anyone else's password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords; • Do, or omit to do, or attempt to do or omit to do, any other act or thing which may interfere with the proper operation of the PayPal service or activities carried out as part of PayPal services or otherwise than in accordance with the terms of this user agreement; • Request or send a personal transaction payment for a commercial transaction; • Allow your use of the PayPal service to present to PayPal a risk of non-compliance with PayPal’s anti-money laundering, counter terrorist financing and similar regulatory obligations (including, without limitation, where we cannot verify your identity or you fail to complete the steps to lift your sending, receiving or withdrawal limit or where you expose PayPal to the risk of any regulatory fines by European, US or other authorities for processing your transactions); • Integrate or use any of the PayPal services without fully complying with all mandatory requirements communicated to you by way of any integration or programmers’ guide or other documentation issued by PayPal from time to time; • Advertise, promote, introduce or describe PayPal Credit or any PayPal co-branded credit based payment instrument to your customers without: (1) obtaining the necessary regulatory permission to do so in advance; and (2) the prior written permission of PayPal and (if not PayPal) the issuer of the credit to do so; • Suffer (or cause us to determine that there is a reasonable likelihood of) a security breach of your website or systems that could result in the unauthorized disclosure of customer information. You agree that engaging in the above restricted activities diminishes your or our other customers’ safe access and/or use of your account and our services generally. Actions We May Take if You Engage in Any Restricted Activities If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we make take include, but are not limited to, the following: • Terminate this user agreement, limit your account, and/or close or suspend your account, immediately and without penalty to us; • Refuse to provide the PayPal services to you in the future; • At any time and without liability, suspend, limit or terminate your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals; • Hold your money to the extent and for so long as reasonably needed to protect against the risk of liability. You acknowledge that, as a non-exhaustive guide: • PayPal’s risk of liability in respect of card-funded payments that you receive can last until the risk of a chargeback closing in favour of the payer/buyer (as determined by card scheme rules) has passed. This depends on certain factors, including, without limitation:
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months (Disputes Ratio). For example, for a dispute raised in September, your Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July and August. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source 's bank or provider (or both) because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source provider bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your accountaccount and a reversal takes place, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source 's bank or provider (or both) because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source provider bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. • You fail to respond or provide accurate and complete information in response to PayPal's inquiries related to claims or chargebacks in a timely manner. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. If you are a seller, this section applies. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. If you are a seller, this section applies. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months (Disputes Ratio). For example, for a dispute raised in September, your Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July and August. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Eligible for PayPal Seller Protection . • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. For PayPal users registered in Ireland, this fee applies to all transactions where the buyer pursues a chargeback for the transaction with their card issuer. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account. PayPal Seller Protection If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorise, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorised Transaction” claim and the Unauthorised Transaction occurs in an environment hosted by PayPal. • They didn't receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of PayPal Buyer Protection on sellers.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account. PayPal Seller Protection If you have received more than €100,000 per month at least once over a consecutive period of 6 months on your PayPal Account and/or if you are applying surcharge for the use of PayPal (when the law applicable to you allows you to apply surcharge), you are not eligible for PayPal seller protection and this section applies to you unless otherwise agreed between you and PayPal. PayPal will review your eligibility for seller protection in October and April of each calendar year. If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They didn’t receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer protection processes on sellers. To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in Luxembourg. • The item must be a physical, tangible good that can be shipped, except for intangible goods meeting the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal Seller Protection so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims for PayPal Seller Protection on the "Transaction Details" page. • You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded). PayPal determines, in its sole discretion, whether your claim qualifies for the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. To be eligible for PayPal’s Seller Protection for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirement listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page. For the sale of intangible goods and services to be eligible for PayPal Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration requirements • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • If the transaction is a payment for digital goods or licenses for digital content, you must have paid Standard Transaction Fees on the sale (this does not apply to payments for other Intangible Goods).
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal's Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. You should read our provisions on PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection program provisions in the corresponding user agreement. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item or transaction plus any original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: ▪ The refund to a buyer is processed through PayPal, or ▪ You provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). • PayPal will not arrange for or require a return of merchandise if you fail to respond to the case for a Significantly Not as Described claim. • You may be required to accept the item back by paying for return shipping cost for a Significantly Not as Described claim at PayPal's discretion. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processedtime. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months (Disputes Ratio). For example, for a dispute raised in September, your Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July and August. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months (Disputes Ratio). For example, for a dispute raised in September, your Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July and August. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). LQFOXGLQJ WKH SD\HU DQG WKH SD\HU¶V IXQGLQJ A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We x we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a x ZH FRPSHQVDWH WKH SD\HU RU WKH SD\HU¶V ED claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised transactions or incorrect payments made to your account. For instance: • If x if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer ³FKDUJHEDFN´ ZLWK WKH FDUG LVVXHU 7KH XX xxxxx is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is &HQWHU DQG WKH VHFWLRQ FDOOHG ³6HOOLQJ 6 accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • x If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We x we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized an unauthorised transaction or incorrect payment or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.±
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account. text.ppSellerProtectionH3title=PayPal Seller Protection text.ppSellerProtection= If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They didn’t receive the item from you (referred to as an “Item Not Received” claim) PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer protection processes on sellers. To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in Finland • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal Seller Protection so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims for PayPal Seller Protection on the "Transaction Details" xxxx.Xxx must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded). PayPal determines, in its sole discretion, whether your claim qualifies for the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. To be eligible for PayPal Seller Protection for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirement listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page. For the sale of intangible goods and services to be eligible for PayPal Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration requirements • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • If the transaction is a payment for digital goods or licenses for digital content, you must have paid Standard Transaction Fees on the sale (this does not apply to payments for other Intangible Goods).
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source 's bank or provider (or both) because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source provider bank or provider. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “"chargeback” " with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “"Selling Safely”". The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.–
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “"chargeback” " with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “"Selling Safely”". The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (bank or both) card issuer because we receive a claim from the payer or their funding source provider for either of them to return the payment amount under the reversal process used by that funding source providerbank or card issuer. This includes any claims for unauthorised or incorrect payments made to your account. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute. You will not be charged a Standard Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • Deemed by PayPal in its sole discretion to have met all the requirements under PayPal's Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account. PayPal Seller Protection If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment not hosted by PayPal; or • They didn’t receive the item from you (referred to as an “Item Not Received” claim) PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer protection processes on sellers. To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in Poland. • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims for PayPal Seller Protection on the "Transaction Details" page. • You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded). PayPal determines, in its sole discretion, whether your claim qualifies for the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution. To be eligible for PayPal Seller Protection for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page. • You must provide proof of delivery as described below. For the sale of intangible goods and services to be eligible for PayPal Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration requirements • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • If the transaction is a payment for digital goods or licenses for digital content, you must have paid Standard Transaction Fees on the sale (this does not apply to payments for other Intangible Goods). • Delivered the item and provide Proof of delivery for Intangible Goods.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee)payment. This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We we reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We we compensate the payer or the payer’s funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If if the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center Centre and the section called: “Selling Safely”. The PayPal Security Center Centre is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We we may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized unauthorised or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We we are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account. PayPal Seller Protection If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They didn’t receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer Protection processes on sellers. To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in Sweden. • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal Seller Protection so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims for PayPal Seller Protection on the "Transaction Details" page. • You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded). PayPal determines, in its sole discretion, whether your claim qualifies for the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. To be eligible for PayPal’s Seller Protection program for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page. • You must provide proof of delivery as described below.
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s 's funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at and you will be charged for the time the reversal is being processedcurrency conversion. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or
Appears in 1 contract
Samples: User Agreement
Reversals. If you receive a payment in your account, you owe us the full amount of the payment and our losses arising from processing the payment (including any Chargeback fee or Dispute fee). This can include our liability (including any fees, charges and penalties) towards any third party (including the payer and the payer’s funding source provider). A reversal happens when we exercise our right to set off the above amounts from your account under the section Reimbursement for your liability in this user agreement. If your PayPal balance for a particular currency is insufficient to cover the amount you owe us in that currency, we may perform a currency conversion from any PayPal balance in another currency to cover the shortfall against our transaction exchange rate applicable at the time the reversal is being processed. This means that, for example, if you are a seller, amounts of payments received in your account may be removed from your account after you have delivered any goods or services sold. A reversal can happen when: • We reimburse the payer in respect of a PayPal Buyer Protection claim the payer made against you. • We compensate the payer or the payer’s 's funding source provider (or both) because we receive a claim from the payer or their funding source provider for the payment amount under the reversal process used by that funding source provider. For instance: • If the payer used a card to fund the payment to you the payer could pursue a “chargeback” with the card issuer. The card issuer, not us, determines whether the payer is successful when they pursue a chargeback. You can find out more about chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Center and the section called: “Selling Safely”. The PayPal Security Center is accessed via the PayPal website. We charge you a fee for receiving a chargeback claim. • If the payer used a bank account to fund the payment the payer or the bank could pursue a bank reversal. The amount claimed may be greater than the original amount you received due to currency exchange rate fluctuations between the time of payment and the time of the claim. • We may have to compensate your payer when they claimed that there was a problem with their payment (including that their payment was unauthorized or incorrect or that their billing agreement payment was not expected) – see Resolving Problems. • We are entitled to carry out the reversal for any other reason under this user agreement, including the provision Actions We May Take if You Engage in Any Restricted Activities.
Appears in 1 contract
Samples: User Agreement
