Security

Safer with every transaction.

PayPal delivers one of the most secure payment platforms in the world. After more than a decade as a leader in online payments, we've learned a thing or two about keeping your information safer. Whether you’re buying, selling, or transferring money, you get an extra layer of security when you use PayPal. That’s because all your financial information (like your bank account details and your credit card number) is securely stored and encrypted on our servers. So you don’t need to share your financial information with the person receiving or sending the money and expose your details online or in public.

In addition, your transactions are monitored 24 hours a day, seven days a week, by a dedicated team of security specialists whose sole purpose is to identify suspicious activity and help protect you from fraudulent transactions. If a transaction doesn’t go as planned, or you’re worried about anything at all, like fraud or phishing, it’s easy for you to report issues and get help. On top of all this, we provide additional protection on your eligible purchases and sales through our Buyer Protection and Seller Protection policies, described below.


Buyer Protection

If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, our Buyer Protection will reimburse you for the full amount of the item plus postage and packaging costs. Buyer Protection covers all your online purchases, on eBay or on any other website, when you use PayPal. It also covers you when you make a payment on our website.

What’s an eligible item? Only physical goods that can be posted and aren’t prohibited by law are covered. Here are a few examples of situations where an item doesn’t match the seller’s description: you bought a book and got a DVD, you bought a new item but got something that was used, you bought 3 items but only got 2, the item was damaged during delivery, the item is missing major parts (that the seller didn’t disclose), or you purchased an authentic brand but got a fake instead. If the seller has accurately described an item, but you’re just not happy with it, that doesn’t qualify for Buyer Protection.

What’s not eligible? Buyer Protection does not cover certain kinds of purchases. These include: digital goods (intangible items), services, property, vehicles (of any kind), custom made items, airline travel, or items that violate our policies (stuff that’s usually prohibited by law anyway). Purchase Protection also does not cover items that you purchase in person, or money you send to friends and family.

What’s the process? You must open a dispute in within 45 days of your payment to initiate the Buyer Protection process. If you don’t receive a response from the seller that you’re happy with, you must escalate the dispute to a claim with in 20 days of when you first opened the dispute. When you escalate your dispute to a claim, you’re asking PayPal to make a decision. We will then investigate the claim and make a decision on your eligibility in accordance with our User Agreement.

See full terms and conditions

Seller Protection

Most transactions go smoothly but if there's a problem, PayPal Seller Protection can help you. For example, if you receive an unauthorised payment or if a buyer claims that an item didn't arrive, we can protect you for the full amount of the sale - at no extra cost. As long as a buyer pays you with PayPal, your eligible transactions are automatically protected.

What’s an eligible transaction? Only physical goods that can be posted and aren’t prohibited by law are covered. You must obtain proof of delivery to be covered by Seller Protection. You can check that the item is eligible in the 'Transaction Details' in your PayPal account and in your confirmation email. Eligible transactions in Belgium qualify. If you're selling on eBay, you can post to buyers in any of the 190 countries where PayPal is accepted and still be covered. Only post to the buyer's address provided in the 'Transaction Details' and only accept payments in full from a single PayPal account.

What’s not eligible? Seller Protection does not cover the sale of services, intangible or digital goods or items that violate our policies (stuff that’s usually prohibited by law anyway). Seller Protection doesn’t cover certain kinds of situations, for example, you’re not protected if the item you post doesn’t match your description. If you deliver an item in person or post it in any other way that can't be tracked, you won't be covered.

What’s proof of delivery? Proof of delivery means the item can be tracked online so you need online documentation from the postal company that includes all of these details:
  • A status of “delivered” (or equivalent) and the date of delivery
  • The recipient’s address, showing at least the city or postcode (or international equivalent).

See full terms and conditions