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People who immediately open disputes in PayPal after a purchase should be banned.
When it comes to purchasing something online, we all know that PayPal is one of the main ways to do this, especially if it comes to a digital product like an SEO service. As many of you know, I've been running an SEO company since 2003 which means I've had my fair share of disputes and claims opened against me for the dumbest of reasons, and I'll go over some of them in this discussion
For those of you who don't know, you can open a dispute with a seller through PayPal if you think that the order wasn't complete, the package didn't get to your home or for any other reason in which you're not satisfied with the seller. A dispute allows the buyer and seller to have a conversation through PayPal while the overseer, PayPal, watches from the shadows. This is like an office room where you and the buyer sit down and go over what went wrong and how to fix it. Usually the buyer is pretty compliant and will drop the dispute, but not always.
When a buyer escalates the dispute to a claim, this is where PayPal steps in to take over the mediation and figure out what is going on with the transaction. If you're selling a physical product and have a tracking code, you're usually ok and the claim will be dropped if PayPal can see that the package ended up at the buyers location. If you're selling a digital product, which means there's not tracking code, you are pretty much screwed and PayPal will almost instantly side with the buyer. It doesn't matter if you're running an SEO service and you have sent the buyer 100 different reports showing everything you've done, PayPal will side with the buyer because they don't know what they're looking for when it comes to the reports. Web design is a little safer, but not much. At least with designers you have the way back machine and can show PayPal what the design looked like prior to you doing the agreed upon work, and they might side with you, but not always.
When a buyer instantly opens a dispute....
I love waking up to a few notifications saying that I've made some sales via PayPal. It starts my day off on the right foot and I'm always a happier person because I know that I made money while sleeping, which 99% of people can't do because they work 9-5 jobs and get paid while at work.
What I hate is when I log into PayPal to check the order and I see that the buyer instantly opened a dispute claiming they didn't receive the work they purchased. I mean how dumb are you that you order an SEO or backlink service and think it's going to be done 5 minutes after the payment clears? I even have a turn around time on every digital product I sell and make the buyers check a box that states they understand what they are buying and how long it takes to complete, which PayPal apparently doesn't give 2 sh*ts about Usually, if the buyer doesn't immediately escalate the dispute to a claim, I can add into the comment box "The service you ordered takes X to XX days to complete and it's only been 9 hours since you purchased. Please close this dispute and we will send you a full report once we finish" and this sometimes gets the dispute closed, but not always.
When I see that the buyer instantly escalated the service to a claim which doesn't allow me to respond, I know they just wanted the service for free. They didn't give me a chance to respond in the comment section of the dispute and just wanted PayPal to look it over since they know they'll get their money back from a digital transaction
What really irritates me is how dumb these buyers are. I mean if you plan on purchasing something for $200+ and then opening a dispute or filing a charge back, you don't think I can find your website? I have forms that capture your information so that I can run a campaign on your site in order to help it out. But now they doomed their websites after they file the claim almost immediately after I send them their reports...
To fix all of this, PayPal should track which accounts are constantly filing charge backs or opening disputes after their purchases. I'm sure it would cut down on a lot of the "fraudulent" purchases and people would be more willing to funnel their money through PayPal. I highly doubt that PayPal will do this because they are money hungry and if they start banning accounts for this reason, those people will just open up forum threads, blog posts, etc. flaming PayPal and how their account was banned for no reason at all, even though the account should have been burned a long time ago.
If you're running a digital service and you expect to keep 100% of your profits from every sale, you're crazy. There are people out there who purchase high ticket digital items and will open a dispute/claim as soon as they recieve the product. For this reason I praise SEOclerks because they likely deal with this 100+ times a day and know exactly what all of us little guys are going through as well.
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