Have you ever sold something on eBay only to find out a couple days later after the item was delivered and your money you got already spent that someone performed a chargeback on you and you end up with a negative balance that can result in overdrafts when PayPal decides to settle your account?
It would seem somehow that PayPal has been overanxious to allow buyers of digital products to rip you off via chargebacks. I have no idea how it happens so fast either. I mean, I've had chargebacks happen literally 5 minutes after payment was received. It can hurt very badly after it happens just a few times. I know policies have tightened up, and it's probably not likely to happen on eBay any more, but be prepared.
If you are using PayPal for digital goods or services sold through a website of yours, be very wary of any buyers in foreign countries. All my chargebacks were from customers in the pacific islands, or India, or sometimes Europe.
All I can say is, don't spend ALL the money you get from selling digital goods and services, hold onto some for just in case, because all it takes is one time of needing it, and having it, and you will be grateful.
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