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I just checked again, specifically charging surcharges disqualifies sellers from the Seller Protection Policy.
11.3 Qualification Requirements. In order to qualify for coverage under the Seller Protection Policy, you must meet the following requirements:
1. You must have a Verified Business or Verified Premier Account at the time of the transaction,
2. The transaction must be between a US, UK or Canadian buyer and a US, UK or Canadian seller,
3. The payment must be listed as Seller Protection Policy Eligible on the Transaction Details page, or cleared by PayPal through Payment Review,
4. You must accept a single payment from one PayPal Account for the purchase,
5. You must not charge a surcharge for accepting PayPal,
6. You must ship the purchased item to the address listed on the Transaction Details page,
7. You must ship the item to the buyer within 7 Days of receiving payment,
8. You must have trackable online proof of delivery from an approved shipper to the address on the Transaction Details page. For transactions involving $250.00 USD or more, you must provide a proof of receipt that was signed or otherwise acknowledged by the buyer and can be viewed online, (If you paid in a currency other than US dollars, the following amounts apply for this section: $325.00 CAD, €200.00 EUR, £150.00 GBP, ¥28000.00 JPY, $350.00 AUD, 330.00 CHF, 1,600.00 NOK, 2,000.00 SEK, 1,500.00 DKK, 800.00 PLN, 55000.00 HUF, 6,000.00 CZK, $400.00 SGD, $2,000.00 HKD, $380.00 NZD), and
9. You must respond to PayPals requests for information within the time period PayPal specifies.
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