Jan 20 2011, 02:22 PM
SELLING ONLINE TIPS :
Dear People @ Malaysia...
My name is Luqmanul Hakim bin Abd. Rahim (just call me LuQ), computer security and banking security is my expertise. I am also selling products online...
'Most Malaysian they are scepticals on buying items online, nor to sell online. Because therey are many scammers. But i've been buying online since 1996, and using the internet since (1992, Jaring was the 1st ISP in Malaysia in 1991 with 14.4 Kbps ting tong ting ting zeettttttt modem. if you are familiar with one.)
I've read all the threads in this forum topic. And i do understand it, and i never once came accross it, but for your concern, i do received alot of visitor traffic from Nigeria for my online shop.
The best way to protect yourself from online scam and being conned is to protect yourself with the proper channel, secure yourself.
1. (FOR SELLER) Only accept payment from Paypal or Credit Card.
PAYPAL
Your buyer can dispute for a full refund, but you can dismiss the dispute by proving that you are honest. Usually, Paypal will contact you in Paypal & email about the purchase is been disputed by the buyer. Paypal will ask you to provide them proof / evidences of the item has been ship, ( * rule no.1, please keep your shipping receipt that contains the tracking number or not and the address of the receipient / customer on it, once you posted your customer item.). If you can provide the proof, the money is yours to keep and the dispute is dismissed. If you can't, sorry the disputer wins and get his/her full refund. Bear in mind, if you sent the item via normal parcel without a tracking number, but have proof of the postage with the recipient address on it, the disputer wins but only entitled for 50% not a full refund.
If don't have one, please sign-up for an account. Choose the "Merchant" account, it's free. And you could bill your customers via email, and invoice your customer to pay using their credit cards via email (even your customer doesn't have a PayPal account). Please read the FAQ and articles about PayPal, RTFM !!!
( * RTFM is a computer geek term, stands for Read The f***ing Manuals)
CREDIT CARD
The same as PAYPAL, it has buyer protection. Where a buyer could "chargeback" (reverse / dispute) the transaction. BUT seller can fight back the dispute if the seller has proof / evidence.
** In business, buyer pay first. Unless you know the buyer personally nor having dokumented agreement witnesses by Public Notory.
2. (FOR BUYER), Please use only Paypal or Credit Card if you want a peace of mind.
PAYPAL
Yes... Paypal protects buyer with their "Buyer Protection Program", where buyer could dispute when item is not received, not as describe, fake / immitation / knock-off items. A full refund for all, but only 50% refund for item not receive if the seller could prove the item had been posted to the recipient addressee, but no tracking number.
CREDIT CARD
The same as Paypal, buyer could make a chargeback to his/her credit card, saying the transaction is not authorise. Please contact the particular issuing bank of your credit card. Fill in the chargeback form.
But bear in mind, chargeback to a credit card is not a joke nor a funny thing. Buyer / Disputer could be sue if being dishonest or making a false chargeback. If a seller can proof the item / purchase is real, buyer received it nor buyer authorise it. Disputer will be end up being sue by the Bank it self or the seller.
** Basically both Paypal nor Credit Card Protects both parties, Buyer & Seller. Win Win situation. And the rule of it, HONESTY !!!
As far as my experiences, i had been thru a couple of dishonest seller... but with buyer protection, and i have the knowledge and i know how to fight back. I get back my money. As an honest seller, i also been thru the worst, some people things they are smarter than i am. But there is no to avail for their false claimed. I always keep every receipt and transaction record of purchase (just in case).
Online shopping is very convenience and safe if you know how-to, basically it's about honesty between two parties - buyer & seller.
Nigerian SCAM in Mudah
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