The $15 charge has not come from the OP's bank, it is a PayPal charge.

Chargeback Fee

To cover the cost of processing chargebacks, PayPal assesses a $15.00 AUD fee to sellers for credit and debit card payment chargebacks.

That's probably true, Punch, but in the context of this thread, if the seller has been hit with a charge it will have come from her bank not from Paypal.

Not true. Even if the bank did charge a fee, it would only be if the seller tried to fight the chargeback, which they didnt. Like sporty said, it clearly noted in their policy as a paypal charge.

Not true. Even if the bank did charge a fee, it would only be if the seller tried to fight the chargeback, which they didnt. Like sporty said, it clearly noted in their policy as a paypal charge.

I think, as Lyndal said, Paypal pass on the charge which comes from the bank.

Sorry OP, was not meaning to make light of the problem, did not pick it up as quickly as the others.

With age - comes experience (and confusion!!) lol

I think, as Lyndal said, Paypal pass on the charge which comes from the bank.

There is no charge from the bank for NOT fighting a chargeback.

There is no charge from the bank for NOT fighting a chargeback.

Spoke to the CBA this morning and was told exactly the same thing. 😞

All I know is that in each of the 3 chargebacks that I initiated my bank warned me that if the chargeback was unsuccessful I would have to pay $15.

I was successful in all cases and in at least two of the cases the sellers did have to pay the $15....they both abused me for costing them extra money.  I would assume that they tried to defend the chargeback if paypal passed on the $15 charge.

I am not arguing with anyone...just telling you what happened in my case.

What I can't figure out is why buyers initiate chargebacks.

If it's beyond the 45 day PayPal claim limit then how stupid must the buyer be to have let a claim wait that long. It seems that most chargebacks must be initiated by the dishonest.

Am I missing something ?

I have never had a chargeback on any of my sales. Maybe my items are only purchased by honest & intelligent folk.

Fixwear, there are many reasons for chargebacks.  One of the most common is that the paypal dispute timeframe has expired with the buyer getting no satisfaction.

In one of my cases a plate arrived broken.  As it was registered I took it to the PO for inspection and lodged a claim. After nearly 6 weeks the PO rejected the claim.  I was just within the paypal claim time so when the seller declined to refund I opened the dispute.  After 39 days paypal was still fiddling around and no amount of phoning them got any action.  So I started a chargeback through my bank.

No sooner had I done so than paypal decided in my favour and instructed me to return the broken plate. I was also instructed by my bank to return it.  I did so but did not send the tracking details to paypal so they closed the dispute and it continued via my bank.  I eventually got my refund nearly 6 months after I paid for the item.