First of all, don't take this the wrong way. I get why it's there and the intentions are good. However, I want to give some insight on how it affects me as someone who not only regularly buys, but in particular, frequently sells modules here on MG.
Ever since the buyer protection disclaimer was put up, I have noticed a significant increase in buyers refusing to buy any of my modules unless I agree to them using Paypal's purchase protection. The fees are for the buyer, that's not the issue. The issue lies in the uncertainties for the seller that apply when agreeing to Paypal's purchase protection terms. The worst part is that Paypal's purchase protection was designed for brand new retail products, with return windows and factory warranties. Not for used products on marketplace websites.
The buyer gets at least 30 days, up to 180 days to file a claim against the seller for an item they bought. Yet as a seller, you get to deal with up to 180 days of uncertainty whenever you sell a module using purchase protection. None of this is reflected in the disclaimer.
In case of a claim filed by the buyer, the seller is required to:
- Prove that the module was exactly according to the description, fully functional and properly shipped at the time of sale.
- Prove that the internal components were intact prior to shipping it (impossible without disassembly).
- Defend themselves against any claims over cosmetic wear despite clearly disclosing this in the item description.
If the buyer is dishonest, they can:
- File a claim for any damage to the module that they caused themselves weeks or even months after the sale took place.
- Fake their own signature and claim to not have received their purchase.
- Regret their purchase and initiate a refund claim, regardless of them returning the module or not.
What this results in is a double standard where a seller's positive feedback is disregarded by the buyer, yet a buyer with zero feedfback expects the seller to trust them to not file a claim for whatever reason they may have. It creates an illusion of a safe transaction for both parties, which is far from reality.
I don't know of a direct solution to this problem, but I do think that it's important for users to know that purchase protection does not go both ways. Paypal very heavily favors the buyer in any transaction, which many users are unaware of. For the vast majority of claims made, the seller is out of luck and often even has to pay additional fees on top of losing their money, or they risk having their Paypal account terminated.