I've been working with PayPal for 2 years and same as you, completely legit!
After making a certain amount per month, you get a dedicated support manager. I've talked with them a lot about disputes and cases as I'm getting screwed over on a daily basis..
A big part of my sales is also digital goods / services, and I can say that this is handled on a case to case basis.
I've had times where a case was decided in my favor, and I've had times where they were decided in the buyer's favour.
A few weeks back, one buyer opened a dispute for every single payment she made. Turned out she had been using
her parents' PayPal, and charged back over $1K. You know.. I lost it all
Why? No evidence. I was abroad and just did not have the time
to handle this
PayPal looks at it this way:
Since it's always hard for them to know who to trust, they decide in the favor of the one that
delivers enough documentation / evidence, to make them understand the case and trust you.
I always create a PDF. I know you have the option to attach different files, but I always add
one. A complete PDF.
So.. you're gonna make a PDF with the following info:
1) Screenshots / information about how you met the buyer, and so that
PayPal can see that the buyer was well informed about what he's buying
2) Your refund policy (yes, you should have this.. if you don't have it, try your luck
create one real quick and add it to your website. PayPal never checks WayBack or
archieved pages or something like that. It's kind of shitty to lie like that,
but the buyer is a cunt as well so fuck him)
3) Describe in text what you were selling, and why you cannot refund the buyer.
Write that you're offering a digital good, that's intangible, and that this is the same
case as one would buy an activation key for a game or something. It's irreversible.
4) Add proof (screenshots) that you delivered the product to the buyer.
5) Add additional screenshots of your conversation with the buyer.
Always show PayPal that you respect the buyer and try to find a solution,
PayPal LOVES this.
This will take you about 30 mins, but it will basically guarantee that
the case will be decided in your favor.
Add the PDF to the case, and wait.
There is no easier or quicker way to go about this. This shit unfortunately
happens. Buyers suck sometimes.
Good luck OP.