A new one on me for getting beat on selling something on Ebay: the person pays you with "instant payment" through Paypal, although it is paid through instant withdrawal from a checking account. You, as the receiver of the money, do not know that; you only receive a notice that you have an instant payment, but you do not have the source of the instant payment. (This is not the echeck.) Two weeks later, after you have sent the item, exchanged positive feedback, the buyer initiates a reversal of the payment. The bank cancels the payment to Paypal and Paypal charges it back to you. According to Paypal, the only way the "guarantee" applies is if I have delivery confirmation or insurance number. They will not accept the number from Priority Mail and a receipt showing that you sent it to the specific zip code. I guess the lesson learned is that all items should be sent with delivery confirmation, which which seems like such a shame if you consider the one person beating you and then you have to treat all as if they too fit the cheating category. On the good side, however, is that delivery confirmation does offer an inexpensive way of enforcing Paypal's "guarantee."
I have filed a dispute with Ebay, though my luck with them doing much has never been good.
Cheers.
Tom Hayes
Chagrin Falls, Ohio USA