Non-delivery/severe delay on a BST transaction

[Jim65]

Originally Posted by Gorditadogg

You describe it as a refund, so does that mean PayPal is charging back the seller? Outside of taking the money back from the seller and refunding the customer are they providing any other benefit? I assume they are taking the risk they can't collect from the seller.

I guess what I am asking is in the case of Brian and Kevin, would PayPal G&S function as an insurer? Or would they just act as the Net54 chorus and make Brian refund Kevin?

To ask this another way: right now Brian is out the money and the 4 cards, and Kevin is whole. If Kevin had used G&S would anything change, other than one of the two would be out another 3%?

Sent from my SM-G955U using Tapatalk

PayPal refunds the buyer then goes after the seller for the money. If the seller has no money in their account, PayPal puts a hold for that amount and if the sellers sells another item, PayPal will take money to satisfy the hold.

PayPal has been known to use collection agencies to collect from sellers, whose accounts are negative so I assume it affect their credit rating as well but not 100% sure on that.

Sellers assume the risk and take the loss on lost packages, unless they purchase insurance through the carrier or privately.