Our user agreements were rewritten by eBay to allow eBay to direct or recover Money Back Guarantee funds from Paypal accounts or to invoice the same to us. 

"Sellers must have a payment method on file with eBay. Sellers may change this payment method at any time. If we resolve a case in the buyer's favour, eBay may notify PayPal of the relevant case and seek to remove funds from the seller's PayPal account to reimburse the buyer for the full cost of the item, and postage. Where there are insufficient funds in the seller's PayPal account, we will directly refund the buyer and charge the seller's designated payment method or put the amount on the seller's invoice ("Reimbursement").

For this purpose, you, in the capacity of a seller:

• authorise and instruct us and PayPal to collect or reverse variable amounts (representing payments related to covered claims) from your PayPal account to carry out a buyer reimbursement;

• authorise and instruct us to request PayPal to collect or reverse variable amounts in other currency holdings (representing payments related to eligible claims) from your PayPal account to carry out a buyer reimbursement where you do not have sufficient funds available in the transaction currency;

• authorise and instruct us to request PayPal to restrict your access to funds (the restriction will apply up to a sum equivalent to the cost of the item and original postage costs paid by the buyer) in your PayPal account at any point during the resolution process (which may result in PayPal determining to restrict funds in your PayPal account in order to manage PayPal's risk exposure pursuant to PayPal policies – see clause 11: Restricting funds);

• authorise and instruct us to charge the payment method you select to recover the amount we pay to the buyer (in cases where we refund the buyer directly); and

• authorise and instruct us to place the reimbursement amount on the seller invoice.

You acknowledge and agree that your authorisations above will be made on a recurring basis and on various dates as required by us to implement the terms of the eBay Money Back Guarantee policy. If sellers do not provide eBay with a valid reimbursement method, we may collect the outstanding sums using other collection mechanisms, including retaining collection agencies. We may suspend the eBay Money Back Guarantee policy without notice if we suspect abuse or interference with the proper working of the policy.

We reserve the right to fix any processing errors we discover. We will correct any processing errors by debiting or crediting the payment method used for the eBay Money Back Guarantee refund or reimbursement."