Paypal Policy Change!

[neive.livejournal.com]

I just got an email today that Paypal is going to be updating its policies, and I noticed two things will significantly help people who use Paypal for commissions stay protected! I figured this would be a good place to share just in case not everybody gets those emails. :)

https://www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full

And from their highlist post in my email for those who want a shorter version:

"And last but not least, you'll see some updates to our User Agreement that go into effect November 18, 2014. If you're interested in all the details, take a look at our Policy Updates Page. Here are the highlights:

• We're increasing the time for buyers to file merchandise disputes (Item Not Received and Significantly Not as Described) from 45 days to 180 days.

• We're extending buyer protection to include item not received claims for custom made products.

• Because PayPal Seller Protection and Buyer Protection policies may vary from country to country, we're adding language to clarify which country's policy applies when a seller makes a sale to a buyer outside of the U.S.

If you use PayPal after the date these changes become effective, we will take that usage as your consent to the changed terms.

Feel free to contact us with questions through the Contact link at the bottom of any page.

Sincerely,

The PayPal Privacy and Compliance Team"

Comments

[mpd-84.livejournal.com]

Hmmm...

13.3 Ineligible Items. PayPal Purchase Protection only applies to PayPal payments for certain tangible, physical goods. Payments for the following are not eligible for reimbursement under PayPal Purchase Protection:

Intangible items, including Digital Goods

So no more forcing a refund on digital stuff at all apparently, unless you will still be able to go through your bank/credit card.

Urf. Reading the whole list. There's a lot on there that gets talked about here. Like goods you pick up yourself and Significantly Not As Described issues for Custom-made items...

[niimou.livejournal.com]

Paypal never covered intangible goods so this one isn't new. Wen I don't have a head cold I plan to figure out what this stuff aboug which country's rules get used though, that seems potentially problematic.

[ljmydayaway.livejournal.com]

They've never covered digital items, which is why I'm always furious when people get charged back/Paypal claimed on what they consider "digital goods" (i.e. art that's delivered digitally!), and the "goods" has already been delivered.

[niimou.livejournal.com]

True that. I've heard of cases where the artist escalated to their own claim and pointed out the buyer protection doesn't apply and it worked out, but I think now PP is just shrugging their shoulders and saying it's not their problem since you don't qualify for seller protection anyway. Which...is true. The more I read up on it the more selling digital art through PP sounds like a terrible idea given their ToS. It's the credit card companies that decide the outcome anyway, and they are more interested in keeping customers and protecting THEM from fraud.