This is more of a merchant services dispute than PP issue.
Each merchant account works as a processor in the system. There is a National Processing Organizatoin that deals with alot of this, loike a court system for merchant services.
I had a furniture stores for years and people would do this (get furniture and dispute) to me about once a year.
It went like this.
Customer got item, disputed $2K to HIS merchant account (issuing bank or credit card company).
MY merchant account would notify me. I would dispute and show confirmation of delivery and win 90% of the time. A FEW cases the customer would then escalate it on his end. At this point HIS MERCHANT account reverses my dispute. BUT keep in mind.. .this is only their opinion. MERCHANT account of the buyer is hoping I will give up.
But then I would get a notice from my merchant account "sorry, we were notified by the other merchant account you ain't get'n it".. LOL
sucks... the first time I thought that meant I lost.
Then I found a way to dispute AGAIN... but after a week or so I was notified we must go to aribitration with the National Merchant Services bla bla... by my merchant services agreement I must pay UP front for my MERCHANT account to represent me in arribtration $600 up front. If I win, the other guy will pay my fee back and I will get the money back. IF I LOSE in arribitration, then I loss the $2k plus the $600 I paid to fight it.
Some times we paid sometimes we let it go... So if you are going to scam a company like this , try and keep it around $1k.. LMAO. So F***ED up ... but the system is not right.
I bet PP does most of this for you and has lawyers on the payroll... so they don' tmention to you that they are fighting it. BUT PP MUST fight every dispute they can win, even PP has a merchant account and to lose these hurts your rates to process CC.
IF the guy took of and will never pay... then you can still win and make his Merchant Account pay... if the national payment process organization says they must pay, they will pay and bill the card holder... if he defaults on the debt the card company loses, NOT YOU.
