A Tale of Two PayPal Accounts

I have a theory about PayPal. Mind you, this is just a theory – mostly conjecture on my part – but based solely on my experiences with PayPal, I think it my very well be true..

When it comes to SNAD or other complaints made to PayPal, I think that there are 2 distinct classes: Those who pay through PayPal using their credit card, and those who pay using their PayPal balance.

I think that if you pay using your balance, and then dispute a transaction, PayPal will usually side with the other party, or at least attempt to actually review a case – whatever is easier,

On the other hand, if you pay through PayPal using a Credit Card, they will ALWAYS find in your favor, no matter how ludicrous and unfounded your complaint might be. This is because PayPal knows that you can always dispute a transaction with your credit card company, and the credit card company will almost always find in the cardholders favor, up to 45 days after the transaction is complete. Yes, PayPal can challenge the credit card company back, but this costs them money to do this, and is a lot of work, so I don’t think they can really be bothered to fight on your behalf. A seller can sell anything, say a AS IS NO RETURNS a thousand times in listing and PayPal will immediately honor the buyers SNAD complaint. I’ve been burned by this on several occasions.

Please comment me with any info you might have confirming or denying my suspicion – I’d really like to the to the bottom of this.