I have been told by my bank that some cc fraud starts with a little purchase, to test the waters. If you miss it then whammo, they pour in.

A m a z o n put a small amount on my cc as payment for a DVD. With a credit. It looked like a 3$ item had been put through internationally...my bank rang me to ask if it was legitimate. Then told me why they flagged it. So someone who doesn't recognise a small charge could put in a chargeback request. Hard to see anyone purposefully wanting to defraud a seller over one small thing. A whole bunch, yes.

Paypal does put their name on the transactions, but sometimes the account holder name bears little relation to an eBay store or ID. So a forgotten purchase can be a what was that again?? when it hits the bill, as said above 🙂 . Anything like that though and I check it in my emails (Paypal receipt for around that date). There's Paypal history, too. Easy step to take before ringing the bank.

Hi Penny,

I have lost some item not received cases as I was told proof of postage is not enough, proof of delivery is required.

However I did win one with PayPal having photo's of item at the post office with the receipt, so it can pay to do so.

A chargeback can be a little different as the card holder could be claiming they didn't authorise the transaction so postage becomes irrelevant. That can also mean buyer wins case but PayPal takes it out of PayPal's insurance rather than from your account. 

Good luck though and either way, I would still be taking photo's, receipt etc.

I think that chargebacks have increased dramatically from what they used to be, since the introduction of Pay Wave/Pass. I know quite a few people who've lost their credit card and have had a large amount racked up on it. It has happened to my stupid neighbour a few times. He leaves his card in full view in the car and then complains when someone steals it and maxes it out. Of course whoever takes the card can't go and buy large purchases, but lots of $90 purchases soon add up. Banks have made it so easy for theives with that stupid technology.

Even though my card only has a $500 limit on it, I've still deactivated the chip in it so it can't be used as Pay Wave. It has to be inserted and a PIN put in. Of course it doesn't stop someone using it for an online purchase, but they can't use it in a regular shop without a PIN.

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@kopenhagen5 wrote:

 

I have lost some item not received cases as I was told proof of postage is not enough, proof of delivery is required.

 

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That can often depend on where the buyer is located - most of PayPal's international policies require proof of delivery for a seller to defend an INR or to be eligible for protection against a chargeback, and the buyer's PP policies take precedence over the seller's so when you sell to a buyer where that's required, proof of delivery is needed. PayPal also have been known to apply international policies incorrectly, so if the buyers were Australian you should have been able to contest that.