Hey guys, long time leecher first time contributor here; I'm trying to contribute something to the community that's provided me with months of lulz and awesome tips.
So, let's say you want to sell WoW stuff via PayPal. That's fine, they don't have rules against selling virtual/intangible items. However, if you or the buyer are going to be scamming, there are a few tips and tricks you can use to cover your ass in the event of buyer complaints/charge backs/reversals.
If you're selling stuff on a regular/semi-regular basis, your best bet is to set up a website from which your buyers can pay via PayPal for. Keeping the sales off of eBay means that if a buyer complains to PayPal for non-receipt, all they'll do is make a 'best effort' attempt to get the money back which essentially means they'll send you an email asking you to give the money back. If the buyer is stupid enough to file a not-as-described complaint, then they'll do nothing at all apart from tell the buyer tough luck.
Now, I mentioned Best-Effort above, PayPal wont even do that unless the buyer wins the dispute. There are a couple of ways you can stop that from happening, the most important being: If a buyer opens a dispute against you, respond to PayPal when they email you and ask for info. Just a short message, in the resolution center, saying that the item that was bought was intangible, and delivered within 12 hours of payment being received. Say you'd be willing to provide screen shots to prove it (they wont ask for them, but it helps portray yourself in a good light). Responding to buyer complaints is important, even if you know you'll win - this is because if a claim goes unanswered by you as the seller for ten days, the buyer automatically wins, EVEN IF IT'S FOR VIRTUAL GOODS.
Now, This will help save your butt against buyer complaints. If the buyer goes to their card issuer and gets a charge back, or reports the card/bank account stolen, then you're in for an entirely different ballgame. PayPal will dispute charge backs with the card issuer when they can, but not for intangible items, so if you're worried about charge backs, make it appear you're selling used copies of wow that you mail to your buyers. Once the payment is made, then send the wow box & pieces to the address supplied to you with the PayPal payment (click the details link next to the payment on PayPal) WITH AN ONLINE TRACKING NUMBER. If the shit hits the fan, you need to give PayPal the tracking number so they can verify the item was delivered (not sent, proof of postage is useless) using the postal services website. Sure, it costs extra, but if it's a large purchase and you're paranoid, it's worth every penny.
I hope this info proves useful, if you have any comments/suggestions/questions, I'd be happy to answer them for you, either reply or send me a PM.
-Pix out