The return of money by the seller, in the event of a dispute, on PayPal can be called a common practice of deception. Let's try to understand this situation in more detail, using an example:

You have placed another order on Aliexpress. We paid for it, the seller, in turn, indicated the tracking number of the shipment. As a result, you cannot track the order; the track is not tracked anywhere. As a rule, in such situations, buyers open a dispute, indicating the corresponding reason.

During the dispute process, the seller assures you that he sent the goods and that, most likely, the reason for the delay is local postal service. He begins to press for pity, explaining that he just opened a business, and that disputes negatively affect his rating, etc. As a result, he asks to close the dispute and promises to return the money via PayPal. As soon as the money arrives in the buyer's PayPal account, he closes the dispute in favor of the seller.

That is, you fictitiously confirm your satisfaction with the order, plus leave positive feedback. It would seem that the issue was resolved and everyone was happy. But the culmination of this situation occurs after 40-45 days. The fact is that the PayPal payment system has its own arbitration and the ability to challenge money transfers. The reason for transferring money to your PayPal account can be a regular transfer or a purchase-sale transaction. At the same time, the system provides for a commission of 4% of the amount for payments. Thus, the person who transferred the money to you may open a dispute about non-receipt of the goods and demand a full refund.

In order to avoid such unpleasant situations, it is necessary to check the purpose of the payment. That is, if you trust the seller and agreed to such conditions, do not close the dispute until you are sure that they made a regular transfer and not a payment! Also check the information in the payment purpose. Fraudsters usually indicate some kind of non-existent order on Aliexpress. And then they open a dispute, claiming that they did not receive their order.

If you notice that money has been transferred to you as a payment, refuse it or immediately make a refund. The refund button is active for 60 days from the date of receipt of funds. A sure sign that you have received a payment and not a transfer is when the commission is withdrawn by the system. The absence of a commission indicates that this is a regular transfer. If you are not confident in your knowledge of the PayPal payment system, tell the seller about it and resolve the issue through the dispute and their Escrow program!

Paypal is a world-famous payment system. Thanks to high degree protection of payment for goods in online stores, ease of use and concealment of bank card data, it is very popular in many countries. For Russian citizens, this service opened up the opportunity to use secure monetary transaction services just a few years ago. Therefore, many newly registered wallet owners have a question about how to find out their Paypal account. Sellers often ask for this data, but where can they get it?

Why is Paypal becoming so popular in Russia?

This is one of the safest payment systems in terms of paying for goods in online stores. A big plus for Russian users is that you can transfer money through the Paypal service for purchases on foreign trading platforms. Funds for purchases are not immediately credited to the seller’s account, but are delayed in the system and transferred after the goods are delivered. And if the purchased item arrived defective, you can file a complaint with “Dispute” and return part or all of the amount paid. Here you don’t even have to think about getting your money back. All transactions take place within the system; in case of a failed transaction, the funds are returned to the sender’s balance.

Why do you need to know your Paypal?

In cases where money is credited to the seller’s account, but the purchased item arrives defective, first of all, you need to notify the seller about the low-quality product. Often there is no need to even contact the service administration to receive your money for a defective product. Many sellers themselves are ready to transfer the money paid for low-quality goods. To do this, they ask the buyer to send the wallet number to which the funds need to be transferred. Here, many new users are faced with the question: how to find out the Paypal account for a refund? In addition, some suppliers require you to provide wallet identification information as confirmation of payment, and many buyers are starting to look for individual digital combinations familiar to such services.

On this moment Chinese trading platforms, for example Aliexpress, are very popular. Here you can buy good goods at a low price. Payment options are different, including the service in question. The turnover is high, there are a lot of sellers. As in any online store, the quality of goods does not always correspond to the description, and in order not to lose customers, suppliers issue partial refunds, so buyers are wondering how to find out their Paypal account on Aliexpress. Let's figure it out.

How to find out your Paypal account?

The wallet number in this system is not a set of numbers, as in other payment systems, but email address the user that he entered and confirmed when registering in the service. By the way, it is also the login for entering.

This is what must be indicated to confirm payment or refund. A Paypal account is called an ID.

You have received the answer to the question of how to find out your Paypal account, you now need to take care of its security. It is best if the user creates a new email address to register in this payment service and uses it only in Paypal. Passwords for mail and wallet should not be the same.

Sometimes, in addition to the identifier in the payment system, scammers ask buyers to send information about a bank card, its number, expiration date, CVC/CVV, citing the fact that in order to complete the payment they need to transfer such information to the bank.

This is absolutely impossible to do. For honest sellers, it is always enough to simply enter it when registering with the service and it is the wallet identifier. And those who have information on how to find out their Paypal account can always confirm the payment or return the money spent on a poor-quality purchase.

Conclusion

With the advent of the system, the level of servicing clients’ monetary transactions has increased and the degree of security of purchases in online stores, including foreign ones, has increased. If the client follows the rules for the use and security of his payment personal data, his money will always be safe.

On the forum, with enviable frequency, topics arise with questions like “What should I do if a seller from Ali offers to return the money to my PayPal account? Should I agree or not?” Naturally, these questions arise because sellers quite often began to offer just such a solution in controversial situations. So let’s “dissect” such a case and consider it in detail.

So, the situation:

The purpose of the offer: to force the buyer to close the dispute and thereby complete the transaction.

Once the dispute is closed, the deal will also be completed. The money will go to the seller. In this case, the seller has no obligations to the buyer. It is impossible to force the seller to fulfill his promise. As a result, it turns out that all these actions are based solely on trust. And in 95% (and maybe more) of cases, the seller will deceive the buyer and will not return the money.

2) A dispute has been opened, the order protection time has not yet expired, the seller offers to close the dispute under the pretext that he will return everything via PayPal.

The purpose of the offer: to force the buyer to close the dispute in the hope of stalling for time.

It would seem that in this situation the buyer does not risk anything, because There is still time for order protection and the dispute can be reopened. But let's look at it from the seller's point of view. The order has not yet been confirmed, so the seller does not have your money. They are on the trading platform account. Let's say the seller decides to compensate you for your purchase out of his own pocket. But in this case, he has no guarantees that after receiving the money you will not open a dispute again, and even win it. It will be extremely difficult for him to prove that the seller compensated you for the cost of the order, and did not just give you money. Do you think the seller will take such risks? 99.9% probability that no! After all, he risks double the cost of the order! As a result, it turns out that the offer to return money to your PayPal account is essentially fictitious.

Moment 3

Let's assume that for some reason you agreed with the seller's offer to return your money to your PayPal account. And it so happened that the seller even fulfilled his promise and made the transfer. Whether this happened after you closed the dispute or during the dispute, and after that you closed it, is essentially not important. Another thing is important, in this case the seller can send you money not as a transfer, but as a payment. Money transfer and payment are two essentially different operations in PayPal.

The first thing you will probably encounter is that PayPal will take a commission from the amount of money received for carrying out such an operation (for payments and transfers from China this will be about 4% of the amount). Formally, if a money transfer is being made, then the sender of the funds can also pay a commission, but in practice the Chinese almost never do this.

The second (and most important) is that in this case the seller can cheat. If you issue a refund as a payment, then the sender is covered by PayPal's buyer protection program and can get their money back if they wish. Formally, you begin to act as a seller who sold something to the Chinese, and the Chinese paid for this “something”. And as a result, 40 days after such a refund, you can find an open dispute in your PayPal account, initiated by the Chinese because he did not receive his goods. Particularly smart and cunning sellers can also write something like “order number no...” in the details of their payment. In this case, PayPal will consider this transaction as a specific transaction between you and the seller and will ask for proof of sending the goods, which you naturally do not have. Your arguments that this is a refund for a failed transaction on Aliexpress will be ignored by the PayPal support service, because... any transactions and agreements made outside the system are beyond the competence of PayPal. The result of such proceedings, as a rule, is the same - the seller will be returned all the money that he previously transferred to you. And it doesn’t matter whether this money remains on the account balance or you have already spent it. The required amount will either be forcibly debited from the card, or your PayPal account balance will become negative. In general, the result will be bleak...

conclusions

Now that the principles and “mechanics” of money back offers outside of a dispute on Aliexpress are clear, let’s draw some conclusions from the situations described above.

First and most importantly, all questions regarding refunds (for any reason) must be handled only within the system in which the purchase was made, namely within the framework of a dispute on Aliexpress and within the framework of their buyer protection program. If you have the opportunity to open a dispute and return the money as part of the dispute, then you must refuse any offers from the seller to return your money in any other way. Don't fall for the seller's tricks! The easiest way is to write that you do not have an account with PayPal, this is the first time you have heard what it is and that you have no desire to open an account there.

If we simplify what is written, we get the following:

Refund within a dispute on Aliexpress:

Guarantees: high

Risks: low

Refund via PayPal:

Guarantees: low

Risks: high

Second. You can agree to a refund via PayPal only in one case - if you no longer have the opportunity to open a dispute and the order is closed. It’s worth saying that in this case, an offer to return money from the seller is not often heard. But if the seller is honest (and this also happens, although rarely), he may well return the money to your PayPal account, if, of course, your account can accept payments. In this case, you don’t really risk anything and such an attempt is better than no attempt.

Third. To be completely objective, this is also worth mentioning. Of course, you cannot label 100% of Aliexpress sellers as scammers. Among them there are quite honest, responsible and friendly sellers who value their name, reputation and their clients. But, unfortunately, and as practice shows, there are not very many of them... If you trust your seller, have extensive experience working with him, then, of course, no one can force you not to believe his promises. But in any case, all financial relationships outside the Aliexpress trading platform are entirely at your own peril and risk.

Many buyers who want to purchase something on Aliexpress for the first time are not familiar with this payment system like Paypal and they often ask me by mail what it is. So, dear readers, this note is for you.

PayPal is one of the largest payment systems for online payments. It is somewhat similar to Webmoney, but even more so, it is used all over the world. The main advantage of this system is the provision of security guarantees for both the seller and the buyer. You can top up your Paypal account or withdraw money from it only to a bank card or to an account in another payment system, for example, Qiwi.

Aliexpress has long ceased cooperation with the Paypal payment system, so you cannot pay for your purchase using this service. But you can use a bank card or the methods described in this section.

A Paypal account on Aliexpress is most often used to resolve disputes between seller and buyer. For example, in cases where the seller asks to close a dispute on Aliexpress and refund the cost of the goods to your PayPal account, or perhaps you received a package that did not contain everything you need (some part or thing is missing) and you also ask the seller to transfer money to your account in Paypal.

Refund from Aliexpress to Paypal from the seller in case of an open dispute

Frequent situation:

• You received a defective product or the purchase did not reach you at all, naturally you open a dispute.
• The seller asks for your Paypal account in order to return the money and thus close the dispute.

When opening a dispute, we need to indicate the most compelling arguments in order to return the money. Provide a photo of the defect or take a video of the broken product.

First, click on the button to open a dispute. Such a window will appear in front of us. Click on return only.

After opening a dispute, the seller may offer to resolve the issue directly and will ask for your Paypal account.

An important nuance - there are 2 payment options in Paypal

1. exchange of money between ordinary users of the payment system.
2. transfer of money from buyer to seller (payment for purchase).

The second option is most important to us. The seller who asked for your Paypal account can use the second payment option (as if he was buying something from you), and then contact support and get his money back. Then, if you do not have time to withdraw money to the card and close the dispute, but do not return either the money or the goods.

That's why. If the seller asks for your Paypal account to close the dispute, then you can give it to him, but close the dispute only after you withdraw money to the card (or better yet, when you withdraw cash).

How to recognize a seller's deception (buy-sell option)

When receiving payment from a seller on Paypal, you need to carefully review the transfer. If in the note to the payment the seller wrote that he would transfer money to you for paying for the goods, or delivery of the purchase, or payment for some order, then it is better to refuse such a transfer and immediately return all the money back and escalate the dispute on Aliexpress.

The following feature will help to distinguish between payment between system users and the transfer of money between seller and buyer:

• in the first case, you receive the entire amount and no commission is charged;
• if money is exchanged between the seller and the buyer, then a commission is charged.

Therefore, if you did not receive a round amount of money, then carefully check the payment.

P.S. Thanks for reading, do you need an article on how to register with Paypal? If yes, write in the comments.

Subscribe so you don't miss anything important

The bank returns the funds to the buyer’s card in accordance with the concluded acquiring agreement. When paying through the terminal, you enter checks via cash register into a separate section. If the return occurred on the day of purchase (the shift has not yet closed), then 1) on the cash register, punch out a receipt for a refund in the non-cash section (if such an opportunity exists, issue returns). The check is attached to the KM-3 act and an explanatory note from the cashier-operator in any form.

2) On the terminal, perform “cancel operation”.

I paid for the goods in the online store, the goods were not given, I demand a refund, they answer me, give me the card number, its expiration date and cvv code, then we will transfer the money to you.

Aren't these scammers?

Pyatigorsk

In order to transfer money to a card, technically you only need to know the multi-digit number stamped on the front side.

The rest of the data is not needed. Offer them some other way to get their money back. Up to transfer to the phone balance.

CVV code is a three-digit security code for your card.

And he is just for you. if others ask, then they are scammers

It's easier to ask a lawyer!

Ask our lawyers a question - it’s much faster than looking for a solution.

Refund to card when returning goods

• make sure that the seller draws up a return certificate
• tell the reason
• come with the goods and a receipt to the store where the purchase was made
• hand over the product and receipt to the seller
• inform the seller of your intention to issue a return
• fill out an application using the form provided by the seller

In addition to the purchased product, you must also bring it to the seller or the specialist responsible for the return. following documents:

1. sales receipt and receipt from the trading terminal for withdrawal of funds from the payment instrument
2. passport
3. bank card

According to the law, every buyer who is disappointed with the purchased item has the right to return the product within 14 days from the date of purchase, after which he will receive his money back. When buying clothes, household appliances and other valuable items, their quality should be checked.

Aliexpress seller asks for card details

I also want to tell you that most often this happens with goods such as a tablet or phone, in a word, with inexpensive electronics on Aliexpress. Some cunning Chinese registers a new store on Aliexpress or buys an existing one with ratings and reviews. Next, he sets very low prices for goods and collects orders.

Time passes, the track numbers are never tracked or tracked, but go to a completely different person, accordingly people worry, open a dispute and write complaints.

Instructions for Sberbank POS terminal

To operate the POS terminal, a communication channel with the Bank is required.

Such a channel can be a telephone line, an Internet connection, or a SIM card. cellular communication. keyboard; graphic display (color - optional); printer; magnetic card reader; chip card reader; contactless reader (optional); PIN keyboard for the client (optional).

Return of goods paid for by credit card

You just need to present your passport, card and check.

Is it possible to request a cash refund if you purchased with a card?

What are the deadlines for returning money to cards and bank accounts established by law?

Understanding these and other issues is the purpose of our article. As the Law of the Russian Federation “On the Protection of Consumer Rights” states, the buyer has the right to return a defective product and exchange it for a similar, but serviceable one.

The procedure for returning money to the card when returning goods

In the described situation, the buyer’s counterparty is the store, and liability for violation of the 10 days established by law for a refund to the buyer (Art.

22 of the Law of the Russian Federation “On the Protection of Consumer Rights” dated 02/07/1992 No. 2300-1) is borne by him. At the same time, the duration of the period allotted for the return transfer of funds to the buyer depends not only on the actions of the store employee, but also on the speed of operations of the servicing payment systems and the bank, so often the specified period is not observed.