---

@5kazam wrote:

Thanks for your response.

 

However, doesn't it go back to what 'termalert' said -  that sellers should have the right to accept C/C payments or not.  

 

 

---

Well, in theory, yes, they do have that right, but it boils down to being able to comply with both eBay's site policies, and PayPal's T&Cs, all of which are made known up front. So, then you have the choice about what you want to do - I'm not a fan of the "if you don't like it, go elsewhere" type of responses, I know they're not helpful or constructive, but that's what it boils down to on eBay - i.e. if you do not want to accept any form of credit card payments whatsoever, selling on eBay is not an option because choosing to sell here obliges you to provide that option to buyers (for most items, anyway). 

Sellers aren't all unaware, unwitting particpants in a transaction - PayPal tell people up front what they do, then sellers choose to list on eBay, choose to provide PayPal, all knowing (or all should-be knowing) the inherent risks, and knowing these risks but proceeding with opening PayPal / eBay accounts, then using them, is deemed acceptance of those risks. 

The way I look at it is that PayPal is a payment processor - a cheap alternative / catch-all solution for both buyers and sellers. They allow sellers to receive credit card payments without having a merchant account with a bank, so the basic thing is that accepting CCs is the benefit of PayPal, rather than a drawback (particularly when you consider very few payment processors will actually provide a seller with any protection against a genuine chargeback. By which I mean if someone's credit card is stolen and used, with most other payment processors, merchant accounts etc, all the postage / delivery evidence in the world is unlikely to help you). 

For my money, the banks are sometimes the bigger 'criminals' (for lack of a better word) in chargeback scenarios - most particularly when they initiate unauthorised use chargebacks if the cardholder has gone over their limit or defaulted on payments - in that case, the bank is making the merhcant pay for their bad credit decisions, and that's just wrong to me.