How do I protect myself as a seller?

[icurnmedic]

So, I have a situation as we speak. The rundown. I sold a Coin on June 28, 2019 for $400 shipped. Payment sent, received, Item sent, tracking, insured , picked up by buyer at PO 7/3/19 at 9:02 am. 89 days later, a chargeback was filed , and funds were taken from my PP account to cover the $400 ( + $20 pp chargeback fee) . I received emails saying that PP was reviewing the dispute. Around 7 days later I received an email stating that PP had decided the dispute not in my favor. I then contacted eBay, a few days later, and was told the chargeback wasn't done thru them and they could do nothing about it. By this time the item page is gone so I can't even see original listing. So, I call PayPal . After around 30 minutes of discussion w/ a nice lady named Lexy, I was assured I had done everything correct and was told I would be getting my funds back. Well, she issued the $20 back( it is some kind of fee that PP assesses a Seller , I was told , like a defense attorney fee) as again, I have done everything I was suppose to do. So I waited a few weeks, thought maybe some time for them to process the $400. But nothing. So Im just off the phone this morning with a nice gentleman named Mike. He basically tells me since it was a chargeback thru the CC issuer that PP does not protect the seller in this case. So now I am out $400 and the Gold Coin. I ask him what he would do, and he tells me nice enough, that just to know your buyer. Well , on auctions, I don't know who is buying what.

So what precedent does this set? Moving forward I am feeling very hesitant about selling online. I mean, if I do EVERYTHING I am required to do and still lose the Item and the money, well then that's just not good business my friend. Im thinking moving forward , requiring money orders up front. ( but then I have seen/received counterfeit ones of those as well) I guess only USPS MO!

Below is the last email I received from PP.

Dear Tom ,

We've been working with your buyer's financial institution to resolve the dispute for the transaction detailed below.

Buyer's name: Tunc Ulge
Buyer's email: startu2008@yahoo.com
Buyer's transaction ID: 43U41539N92229027
Your transaction ID: 9S142981GS233184F
Transaction date: June 28, 2019
Transaction amount: $400.00 USD
Disputed amount: $400.00 USD
After our efforts to resolve this dispute on your behalf, your buyer’s financial institution decided in the buyer’s favor.

While we cannot dispute this transaction any further, we encourage you to contact your buyer directly to reach a resolution.

Thank you for your patience during this process. We appreciate your business.

You can find additional information and tips about buying and selling safely on our Business Resource Center. After you log in to your PayPal account, click Tools, and then click Business Resource Center under "Grow your business."

Sincerely,

PayPal