"ayPal seller protection if, over the past 30 days: the total monetary amount of Buyer Returns\" (being Chargebacks, Claims, and (as they relate to Unauthorised Payments only) Reversals) issued against your PayPal Account (no matter where the transaction takes place and whether on or outside of eBay) was equal to or greater than 1% of the total monetary amount of payments received in your PayPal Ac" . . . .