@this-way-up wrote:
@digital*ghost wrote:
In the case of a chargeback, the buyer can win but the seller still retains the funds - that's what seller protection is.
OK...So in the case of a chargeback, the buyer can win. I assume you mean get a refund? and the seller can retain the funds, I assume you mean keep the money? and that's what seller protection is !!!
wool - eyes - over - pull ... just a sec I am trying to put these words together to make sence... over - wool - pull - eyes ... I will get it in a sec, just wait give me a chance... pull - eyes - wool - over...
I give in...How do you make the words pull - wool - over - eyes make sence?
How many different ways should I attempt to explain this to you? I have no idea which one is going to provide the lightbulb moment, and I don't have the patience to find out. It's interesting that you ignored the fact I showed it's impossible to have Seller Protection for SNAD claims when it seems to suit your agenda for posting here though. 
But since you're not the only person who will read this thread, let me break down a bit more.
I want these lines from PayPal to be kept very much in mind (emphasis mine):
PayPal Seller Protection Policy
Eligibility
S3.1 If you are a seller, we may not deduct funds from your account in connection with a Reversal where the following requirements are met for a transaction:
In the case of a SNAD claim, Seller Protection doesn't come into play because it's not the payment itself that's under dispute, it's whether the buyer has a right to a refund, and if it is decided that they do, it is granted whether the seller likes it or not - there can only be a winner / loser situation and PayPal are not prepared to foot the bill for the "losers". (Note that I said "if it is decided..." I am well aware that not every successful SNAD claim by buyers is legitimate).
So, lets talk about what happens when a buyer opens an INR claim strictly via PayPal. If the buyer is eligible for protection, they receive a refund from the seller. If a seller provides acceptable proof of shipping, the buyer is not eligible for Buyer Protection. So there is no reversal, which means Seller Protection was not invoked, as such, the buyer just wasn't eligible to make a claim. If a buyer receives a discretionary payment from PayPal in relation to an INR, there is still no reversal of the original payment, therefore Seller Protection still does not come in to play.
If a chargeback is initiated, the seller has several options - the most appropriate choice dependent on their specific circumstances. They can accept liability and fund the reversal themselves, or they can choose to fight the chargeback, with or without documentation that meets PayPal's requirements for Seller Protection. If they fight without documentation that would qualify for Seller Protection, the bank decides on the outcome, and the reversal (if the claim is decided in favour of the buyer) is funded by the seller.
If they do have documentation that qualifies them for Seller Protection, there is no need for the seller to fight the bank over the decision, and it is irrelevant what PayPal will or won't do to fight against the chargeback.
Qualifying for Seller Protection will mean they retain the funds whether the chargeback is successful (i.e. original payment reversed) or not. That is, PayPal pay back the money on behalf of the seller.
Nothing I say personally will convince you of that, I'm sure, but what you believe and how PayPal operate don't seem to mesh very often so I'm not greatly concerned with what you're prepared to accept, only with illustrating facts. As I have demonstrated previously, if I am proven wrong, I will say so, however I'm partial to believing not only the information from PayPal, but the anecdotal evidence provided by sellers who have qualified for Seller Protection in the event of a chargeback (reversal).
