Common use of Chargeback Fees Clause in Contracts

Chargeback Fees. For transactions that are not processed either through a buyer’s PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. Impact of various purchase protection processes on sellers You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

Chargeback Fees. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal Guest Checkoutaccount’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, table the fee charged will be in your primary holding currency. Impact of various purchase protection processes PayPal’s Buyer Protection program on sellers You should read and understand our provisions on PayPal’s Purchase Buyer Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries a region other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries. Buyersregions as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs the PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program PayPal Buyer Protection program provisions in Venmo’s the corresponding user agreement. If you lose a claim under PayPal’s Purchase Buyer Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item or transaction plus the any original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, cases you may not receive the item back. • The Purchase Buyer Protection claim will only be considered fully resolved if: o the The refund to a buyer is processed through PayPal or Venmo, as applicablePayPal, or o you You provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you will generally may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

Chargeback Fees. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout PayPal Guest CheckoutPlus, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback Chargeback fee will be deducted from (i) your e-money balance if you hold a Balance Business Account; or (ii) credit you may have against PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which or any future payments that you selected for the original transaction listingreceive, if you have a Personal Account or a Premier Account. If the original transaction was in a currency not listed in other than Brazilian Reais, the Chargeback fee table, the fee charged will be in your primary holding currencyBrazilian Reais in an amount equivalent to the amount specified on the Chargeback Fees table based on the currency of the original transaction. In this case, a currency conversion will be required and a Currency Conversion fee will apply. Impact of various purchase protection processes on sellers You should read and understand PayPal’s 's Purchase Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicablePayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through marketplace sellers, then you need to read and understand their program. Unless you opt out by calling the marketplace, PayPal will treat their decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount (in case you hold a Balance Business Account), or if we are unable to deduct the amounts from credits you have against PayPal or future payments (if you are a Personal or a Premier accountholder), we may place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim.

Chargeback Fees. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout (PayPal Guest CheckoutPlus), and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback Chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for If the original transaction listing. If the transaction was in a currency not listed in other than Brazilian Reais, the Chargeback fee table, the fee charged will be in your primary holding currencyBrazilian Reais in an amount equivalent to the amount specified on the Chargeback Fees table based on the currency of the original transaction. In this case, a currency conversion will be required and a Currency Conversion fee will apply. Impact of various purchase protection processes on sellers You should read and understand PayPal’s 's Purchase Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents agents, or online travel agents will forfeit the full purchase amount paid by the buyer. I In some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicablePayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through marketplace sellers, then you need to read and understand their program. Unless you opt out by calling the marketplace, PayPal will treat their decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Chargeback Fees. For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal Guest Checkoutaccount’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee with will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, table the fee charged will be in your primary holding currency. Impact of various purchase protection processes PayPal’s Buyer Protection program on sellers You should read and understand our provisions on PayPal’s Purchase Buyer Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries a region other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries. Buyersregions as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program PayPal Buyer Protection program provisions in Venmo’s the corresponding user agreement. If you lose a claim under PayPal’s Purchase Buyer Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item or transaction plus the any original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, cases you may not receive the item back. • The Purchase Buyer Protection claim will only be considered fully resolved if: o the The refund to a buyer is processed through PayPal or Venmo, as applicablePayPal, or o you You provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and plus pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.

Chargeback Fees. For transactions that are not processed either If you receive a debit or credit card-funded payment through a buyer’s your PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge not assess you with a Chargeback chargeback fee if the transaction is eligible for PayPal Seller Protection. However, if the transaction is ineligible for PayPal Seller Protection, PayPal will assess you with a chargeback fee (for facilitating the chargeback process. This fee with apply ) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in on the Chargeback Fee Fees table and will be charged in the currency which you selected for of the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currencytransaction. Impact of various purchase protection Buyer Protection processes on sellers You should read and understand PayPal’s Purchase 's Buyer Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also should be familiar with the purchase buyer protection available to buyers in each of those countries. Buyers’ ' rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection 's programs on the Legal Agreements page by selecting your buyer’s 's location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase 's Buyer Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In cost (and in some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided). • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was "Significantly Not as Described Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive not. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the item backeBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Chargeback Fees. For transactions that are not processed either If you receive a debit or credit card-funded payment through a buyer’s your PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge not assess you with a Chargeback chargeback fee if the transaction is eligible for PayPal Seller Protection. However, if the transaction is ineligible for PayPal Seller Protection, PayPal will assess you with a chargeback fee (for facilitating the chargeback process. This fee with apply ) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for If the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee tableother than Brazilian Reais, the chargeback fee charged will be in your primary holding currencyBrazilian Reais in an amount equivalent to the amount specified on the Chargeback Fees table based on the currency of the original transaction and a currency conversion will be required and a currency conversion fee will apply. Impact of various purchase protection processes on sellers sellers‌ You should read and understand PayPal’s 's Purchase Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In cost (and in some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided). • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may will generally be required to accept the item back and pay for the return shipping costsback. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through marketplace sellers (like eBay), then you need to read and understand their program. Unless you opt out by calling the marketplace, PayPal will treat their decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Chargeback Fees. For transactions that are not processed either If you receive a debit or credit card-funded payment through a buyer’s your PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge not assess you with a Chargeback chargeback fee if the transaction is eligible for PayPal Seller Protection. However, if the transaction is ineligible for PayPal Seller Protection, PayPal will assess you with a chargeback fee (for facilitating the chargeback process. This fee with apply ) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as the amount specified in on the Chargeback Fee Fees table and will be charged in the currency which you selected for of the original transaction listingtransaction. If you do not have the transaction was correct currency available in your PayPal balance at the time of the refund or reversal, a currency not listed in the Chargeback conversion will be required and a currency conversion fee tablewill apply. If a buyer files a chargeback, the fee charged card issuer, not PayPal, will be in your primary holding currencydetermine who wins the chargeback. Impact of various purchase protection Buyer Protection processes on sellers You should read and understand PayPal’s Purchase 's Buyer Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries countries/regions other than your own, you should also should be familiar with the purchase protection PayPal Buyer Protection available to buyers in each of those countries/regions. Buyers’ ' rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection 's programs on the Legal Agreements page by selecting your buyer’s 's location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase 's Buyer Protection program in any country, or under Venmo’s Protected Purchase Program/region: • You must forfeit will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In cost (and in some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o ), and the refund to a buyer is processed through PayPal or Venmo, as applicable, or o fees that you provide evidence acceptable to PayPal, in its sole discretion, that were charged for the buyer agreed to the alternative resolution providedtransaction. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may will generally be required to accept the item back and pay for the return shipping costsback. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Chargeback Fees. For transactions that are not processed either If you receive a debit or credit card-funded payment through a buyer’s your PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge not assess you with a Chargeback chargeback fee if the transaction is eligible for PayPal Seller Protection. However, if the transaction is ineligible for PayPal Seller Protection, PayPal will assess you with a chargeback fee (for facilitating the chargeback process. This fee with apply ) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for If the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee tableother than Brazilian Reais, the chargeback fee charged will be in your primary holding currencyBrazilian Reais in an amount equivalent to the amount specified on the Chargeback Fees table based on the currency of the original transaction and a currency conversion will be required and a currency conversion fee will apply. Impact of various purchase protection processes on sellers You should read and understand PayPal’s 's Purchase Protection program, Venmo’s Protected Purchase Program, program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find this information about for PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding applicable user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreementagreement for that geography. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In cost (and in some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided). • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through marketplace sellers (like eBay), then you need to read and understand their program. Unless you opt out by calling the marketplace, PayPal will treat their decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Chargeback Fees. For transactions that are not processed either If you receive a debit or credit card-funded payment through a buyer’s your PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge not assess you with a Chargeback chargeback fee if the transaction is eligible for PayPal's Seller Protection. However, if the transaction is ineligible for PayPal's Seller Protection, PayPal will assess you with a chargeback fee (for facilitating the chargeback process. This fee with apply ) regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as $20 for transactions in U.S. Dollars, or the amount specified in on the Chargeback Fee Fees table and will be charged in the currency which you selected for of the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currencytransaction. Impact of various purchase protection processes on sellers You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement. If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your Cash Account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account.