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How To Chargeback Paypal friends and family payments: There are two features when sending funds on paypal. One allows you to send as friends and family while the other other allows you to send funds as goods and services. In this post, I will be answering the questions on “How To Chargeback On Paypal Friends and Family” as lots of paypal users have been seeking answers to this area.
However, before we proceed on gathering more knowledge about how to chargeback on paypal friends and family (fnf) let us understand clearly what it means using these two features made available when sending paypal payments.
Understanding PayPal Friends and Family
PayPal friends and family is a feature which paypal made available for those who want to send funds to their relatives abroad. If you want to send paypal money to your friends and families, it is highly recommended that you should use the friends and family (Fnf) option.
OH UH! but unfortunately, This feature is not available in many countries for paypal account such as, Nigeria, UAE, Ghana, Morocco, Lesotho, etc. They only have the feature to send as goods and services (G&S) Which means even when they want to send funds to friends and family, they Will have to use the Goods and services (G&S) feature.
PayPal Goods and Services feature
While the fnf feature is suitable when sending funds to friends and families, loved ones and people you know and trust well, the goods and services feature is best when it comes to making purchases online because of buyers protection or sending payments to people you can’t trust.
It’s Best to send funds to untrustworthy clients whom you are not sure of their credibilities. That is because you can easily get your money back if anything comes up negatively.
Advantages of PayPal Goods and services over friends and family payments
The Goods and services simply means that you are paying for an item and as such, paypal gives you the opportunity to get your money back if you end up not receiving what you paid for or you are not satisfied with the delivered product perhaps because it is fake or it is not exactly what you ordered.
While the goods and services payments can be chargedBack, the friends and family payment cannot be charged back unless when payments are made directly from credit cards instead of paypal balance.
Automatically, Payments made as friends and family are irreversible and very risky as most of the online scammers uses this method knowing and understanding how it works, they will ask you to send as friends and family and at the end they will run with your money and there’s nothing you can do about it.
While Paypal goods and services payments attract bigger charges, friends and family payment takes little or no charges depending on the region you are sending payments to.
The PayPal goods and services payments can affect senders and recovers when the problem comes. I will be discussing this in detail when I will write an article titled “How to make money from PayPal Charge back”.
How to chargeback on paypal friends and family payments.
If you happened to send funds to scammers as friends and family, and you want to get your money back through charge back, the only way to do this is complaining to your bank. Automatically, if the payment was not made from your card just forget about it as there is absolutely no way to get your money back because it is gone for life.
What if you made the payment using the goods and services function? Below is how to go about the chargeback.
How to ChargeBack on paypal goods and services
Login your PayPal account through which you made the payment. scroll to the transaction history page and click on the Transaction you wanna Charge back.
From the next page, Scroll to the end part you will see the resolution center link as shown below.
There are many reasons why you may want to Charge Back payments on PayPal. Select the reason behind your Chargeback to continue.
After selecting a reason Behind your Charge Back, PayPal will show up the next page for you to contact your seller.
In your Note Area: You can go like ‘ You are a fraudster please refund my money immediately because you didn’t deliver the goods i paid for.
After that, You can hit the Submit Button.
PayPal will leave the case open for 2 to 3days reminding your seller to go resolve the issue. If the seller cannot resolve the issue with you, then PayPal will have to interfere by refunding the money back to you. This may take upto 20days to be completed.
In a case like this, even when the scammer have spent the funds, paypal will credit you from their own wallet and place negative balance on the scammers account pending when he receive any payment. Paypal will then deduct their money till it’s done and only then will the negative balance be removed.