It'll be the old, PayPal fines you, takes your money, then go find a lawyer or maybe a class action to get it back. I hate banks and bank-like entities ability to have direct access to your money to dip in and grab what they think is theirs. I think there should be laws that keep your funds pure, and if the bank or bank-like wants to charge you, they have to go through the same process as any other business.

So there are no chargeback fees or penalties in Australia?

(Australian) Consumers can request chargebacks from merchants[1] if the "deal" is on the nose (goods not received, etc)

and banks[2] can charge merchants chargeback fees for processing the transaction requested by the consumer.

[1] https://www.consumer.vic.gov.au/products-and-services/refund...

[2] https://www.westpac.com.au/content/dam/public/wbc/documents/...

with a carve out I haven't chased down for

> Chargebacks are not like the dispute resolution services offered by organisations such as eBay or PayPal.

Do merchants get fined by their processor/card brands for chargebacks? If had an over 1% chargeback in the US, i would get large fines levied against me by the card brands and they may cut off my service. This laid out the contract you sign when accepting credit cards. Paypal is fining sellers who violate their terms which is exactly the same.

Paypals terms are just about maximizing revenue, not actually getting anyone to follow their terms, per se. They are already nearly impossible to follow. If paypal was interested in this, there would not be the level of fraud on their platform. Remember, paypal gets paid on the transaction whether it is a scam or not.