For online purchases, I find it is best to have more than one guarantee of refund for goods not received. (1) Ebay and Paypal both have separate policies with different deadlines. (2) The bankcard you use can also have a policy for disputing charges for goods not received, but some banks make this too complicated by putting responsibility on the buyer to prove they negotiated with the merchant first and documented the process. (3) Only if packages are actually mailed using insurance, and later lost, the carrier service has another system of claims against insurance, which also involve deadlines and documentation. If someone is a legitimate seller in good faith, they will agree to insurance and other systems that protect the buyer and back the purchase; but if it costs extra for these services, they want the buyer to pay the difference. Thus, you could also offer to pay this seller more to cover added costs for using a different system that allows safer guarantees. Both ebay and paypal add costs and time, so you might have to add a lot more to the payment as "incentive" to make it worth the seller's trouble to use those. (NOTE: If you cannot use this seller, try searching online for the same or similar item elsewhere. )
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