Seller's have 0 rights on Paypal

As of this posting, I no longer use Paypal. Since eBay was finally forced to allow sellers to use alternatives (like Paymate) due to the monopolistic condition of owning the only approved e-payment service, I strongly recommend anyone using Paypal to do the same. To Paypal, it does not matter what the UCC says in terms of risk of loss in transit (Lawyer speaking here, so listen up). Even though your buyer waited too long to file a claim with PP (45 days), if the buyer reverses the charge with their CC company, PP will initiate a hold on your account and disallow you from removing your filed credit cards which they can use as a backup for payment. Your only recourse in this situation is (a) file a small claims case vs the buyer (which unless you had a forum selection clause in your listing will FAIL if the buyer resides in another state) or (b) cancel the cards linked to Paypal. I mean CANCEL, not change the # as you would a lost card. Burn the account to the ground. This is the only way to cover you a-- when an opportunistic buyer strikes or refuses to follow the law of shipment contract sales.