Frugal Farmer wrote:
On Fri, 26 Oct 2007 10:09:54 -0700, runsrealfast
wrote:

My wife is an ebayer, and her rule of thumb is that if they don't
accept paypal or CC's don't use them. She has had problems with
sellers but because she only uses paypal they have been easily solved.

..just got off the phone w/ visa customer rep. Paypal is just a
'middleman'. If paypal transaction is covered by a certain amount
(i.e. $200 - link at top), it means the seller put up $200 as his
collateral. Nothing else.
....

But, the Consumer Credit Protection Act trumps PayPal. PayPal may only
cover $200 out of their pocket, but if you use a CREDIT CARD (not draft
card), and protest the payment the card issuer is on the hook. It
depends again, as someone else has pointed out, whether you're talking
credit of debit as to what the rules are; therefore the advice from VISA
may or may not be appropriate.

But, as someone else already noted, if you're uncomfortable with the
transaction, your choice is to either bite you tongue and go through
with it or not -- the seller doesn't have to change his published
business practice, eBay or not, to cater to you. If he is in violation
of eBay policy, then you can take that up w/ eBay, but even if he
changes that doesn't mean he has to accept a credit card, PayPal or no.

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