Yes, in a dispute for "not as described" or something of the sort, they will most often side with the buyer, but they will make them return the product back to you. When taking credit cards with your own merchant account, the credit card will 99.9% of the time side with the buyer, and most times they get to keep the product. I know it sucks when you loose your shipping charges and get charged $15 for the resolution fee, but compared to the credit card companies, it is a total win to at least get your product back. I can tell you one thing, knowing what I know, I could buy anything I wanted with a credit card, and not have to pay for it. Easiest way is to just ship it to a friends house and then just claim you do not recognize the charge. The seller will loose this dispute 100% of time, it is impossible to win with a credit card. We have had this happen to us numerous times. With PayPal you will never loose this one, in fact you will never loose a case because of alleged fraud. You delivered it to the shipping address, they cover you. You will loose 99.9% of alleged fraud cases with a credit card, or not received cases (even if you have a tracking number that shows delivered). I do not recall having ever won a fraud case with a credit card, even when the product was delivered to the credit cards billing address and was signed for. Can't recall what the customer claimed, but we lost it...