Ask HN: How does Etsy / eBay refund transactions?

1 pointDiamons1 comment

In a case where a buyer pays through credit card and the customer requests a refund, how do they get the money?

From what I understand, buyers pay the seller directly and etsy or eBay just asks for a certain amount to be paid at the end of the month. So if the seller has the money, how does etsy or ebay refund it to the buyer?

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I believe the way it works, at least with eBay, is you file a dispute on an item, eBay investigates, and then if you meet all the criteria as a buyer and provide everything to them, assuming they find in your favor as a buyer, they will refund the money themselves, then go after the seller for the amount on a individual basis.

As a buyer you also have options of filing a dispute with PayPal or your credit card company and having them handle. These two options tend to be a little quicker to return money to you as a buyer. But by doing so you are not eligible for any protection from eBay.

For more info: http://pages.ebay.com/help/policies/buyer-protection.html

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