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But Steam already got money from whichever retailer the original reseller bought the card from. If they bought it from Target or something and they chargeback Target, would Target then go charge back Valve?
I heard all the cards you buy from retailers come physical. The only exception is gifting digital directly from Steam.
But what if a guy bought the gift card from a reseller. Then the reseller got charged back by the guy who gave me the gift card. And if that reseller originally got the card from Target or Walmart and decides to charge back Target or Walmart, would Target and Walmart go tell Valve and my funds would be revoked? I heard that Target and Walmart are aware of the risks and they take the risks by selling these gift cards.
There also key reseller sites like humble bundle, GMG, and etc... If trying to get your games a little cheaper.
I would avoid buying Steam gift cards as there new regional restrictions added on them, where they may not work for your region of the card from another region, so best to avoid that problem as well.
If you wanted to gift someone Steam funds, you can do that by using the Steam wallet gift funds on Steam itself. Please note you can't transfer Steam wallet to Steam wallet, to gift you be asked what payment method want to use either by credit card, or bank transfer such a PayPal, or etc...
So what happens is Steam sends the cards, Target/etc only pays when they sell the card which they take their cut, then send the rest to Steam/Valve, as it updates them what been sold need to be activated.
Why am I banned for buying a card off someone and that someone decides later to start a chain of chargebacks? Isn’t that their fault?
And you would be banned because valve can't tell you bought it off someone. As far as they are concerned, you're the one who did the charge back.
Lastly, this is a common way to monetize stolen credit card data, don't facilitate crime, buy legit
Just like Washell pointed out, if something too good to be true it's possible is, and should avoid it, as it's not a uncommon thing scammers do.
Now as I pointed there region restricted Steam cards now, because of scammers, people doing chargeback, people scam people to give them Steam cards, and so on.
https://support.steampowered.com/kb_article.php?ref=1122-RTSC-0478
If your friend want to gift you funds seriously there is this option that been here for years.
https://store.steampowered.com/digitalgiftcards/
I actually meant to say why am I banned for getting gifted a card and then the person who gifted me later issues a chargeback.
I think there’s a misunderstanding here. I was gifted a card and I’m saying what if that person who gifted me the card (and let’s say he bought it from Target, Walmart, or some 3rd party reseller online) decides to do a chargeback. Why would I be banned if they did the chargeback and not me?
Read my other post. I meant what if I’m gifted the codes and I use them. And then the guy who gifted me, who bought it from a third party reseller decides to chargeback the card he paid for to the original reseller. I mean what’s that got to do with me? I got the card as a gift from the guy and then all of a sudden he decides to do a chargeback.