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I think paypal is actually good. During my 10 years selling my scripts i've had several situations with "clients" that downloaded the software and then said that they want their money back (for different reasons, like it was not my card, my wife doesnt allow me to use this software, i dont like it, i dont know how to use it). I have not lost any dispute, i discuss with all my clients before they buy so i always provide the discussion transcript and paypal always sided with my claim.
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