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<p>[QUOTE=&quot;tsk, post: 189635, member: 5858&quot;]PayPal basically sucks but it&#039;s what everyone uses.</p><p><br /></p><p>Here&#039;s essentially how PayPal works.&nbsp; If the seller has a business account, he only needs to do two things to avoid getting charge back.&nbsp; He has to ship (with a trackable service) to the &quot;confirmed address&quot; and he has to ship in a timely manner (within 7 days).&nbsp; There may be some other requirements, but they&#039;re pretty much inconsequential.</p><p><br /></p><p>That basically means that the seller can ship you a box of dog crap to your confirmed address and PayPal will rule against you in the dispute (I mean that quite literally).</p><p><br /></p><p>The thing that may throw a monkey wrench in is that you can purchase insurance.&nbsp; I&#039;m not exactly sure how the insurance works, but I believe that is what will protect you against getting the box of dog doo.</p><p><br /></p><p>On the flip side, as a seller, that means that if you ship the item to any address besides the confirmed address, the seller can dispute it and you lose, no ifs ands or buts.&nbsp; Same goes for not having tracking info or shipping too late.</p><p><br /></p><p>Now one thing to check into is eBay insurance.&nbsp; Last I recall, eBay had a $200 insurance policy on all policies.&nbsp; That meant that if you bought something and got shafted, they would cover you up to $200 (with a $25 deductible).&nbsp; I believe you had to jump through some hoops to get it, but if someone shafted you on a coin, it might be worthwhile looking into.&nbsp; Also, I know some transactions now offer PayPal insurance...if you look at a listing and it says you are covered up to $2k or something, that&#039;s supposed to be some sort of insurance.[/QUOTE]</p><p><br /></p>

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