I think more people need to be aware that seller protection does not cover digital/intangible goods. I know a lot of people are still spreading the information that invoices will protect you from chargebacks -- they do not.

I do wonder if there are really many options if the item being delivered is adult in nature. This is why I don't really have a plan to defend myself against any chargebacks. Rather, I do the following:

* Try to draw from a number of small transactions from a wide variety of customers, so that any particular chargeback would be $50 or less.

* If one particular client is buying a lot from me (in my case it's over $100 of transactions in a short amount of time) then I ask for references. I ask the client if they've worked with another artist, and then ask a few artists how that client was. Other artists have been quite happy to provide reference to me. In a way it's kind of like going through a resume on a client. I also feel like clients that are ready to provide references of other artists they worked with are quite trustworthy and reliable.

* I don't think it hurts to check if the other person is using a verified paypal. I feel like verified paypal accounts are less likely to be treated as throw-away accounts for scamming. But that doesn't mean you need to rule out doing business with an unverified account.

For super huge transactions I do think it might be good to cut paypal out of the middle. If you have something that's going to be hundreds or thousands of dollars to complete, I feel there should probably be a written check and a solid contract in place for that. But, I don't know if this is very practical for people such as fursuit sellers to deal in something else other than paypal.


I just feel in the end it's good to build a contingency plan around different scenarios, based on how much you'd lose out of a potential chargeback. In my case maybe it'd be like $20~$50, but for someone else it'll likely be a lot more.

Pretty sad news for artists.

I know there is at least one service out there that allows for secured delivery of downloads with receipts. Unfortunately, I could not find it in my quick google.

However, what may also be of use is a service like DocuSign. It is a service dealing with electronic contracts. This gives proof that your customer read your TOS and/or understands what they are getting into. It is not ironclad with what Paypal has said, but it should help in their claims process if the customer says "I didn't actually order that!"

If it is an especially large transaction, it should hold up in court, as well. I've used DocuSign quite a few times when dealing with landlords and rentals.

The more expensive packages allow the signers to upload attachments. So if they upload concept art, which you follow, and then they claim "Item not as described" you can point to the files they uploaded with the contract and be like "I did exactly what the references said to do!"

Of course, it may be easier to just choose a completely different payment/transaction service alltogether. I have heard some people are going to commiss.io

I believe they use Stripe.

If helpful, I generally use money order.
I will do personal check, but only once it has gone through (before I start work)
Not everyone is comfortable with that, I know, but generally in the decade+ I've done commissions, I (nor my commissioners)have had issues with it.

I try to always have the client tell me their PayPal email in whatever method of communication we're using. Discord, for instance, they tell me their email and I screenshot that, their acceptance of the piece. That way, I can prove it's the same person.

I really wish they'd open a digital goods branch, or else some other site comes along with better protection.