What if I sell an expensive product, such as a smartphone. It arrives, but then out of the blue the buyer says it is not what they ordered. They return the product and provide proof that they mailed the replacement. All good?<p>When the merchant receives the replacement, they find that the return box just contains a brick, or something less obvious, such as a broken phone. Now the customer has not paid yet, but they have your merchandise.<p>How would you be protected in that case?<p>Currently the seller is protected, because they can defer issuing the refund until after verifying that the returned product is what it should be.