PayPal Credit Details


Extended Buyer Protection Policy | PayPal Extras MasterCard® Rewards Program Terms & Conditions

Extended Buyer Protection Policy

Extended protection from PayPal for purchases that are made with the PayPal service is in addition to any rights you have to dispute charges to your credit card with GE Capital Retail Bank.
  • General. Extended Buyer Protection with PayPal Credit is available on purchases made using the PayPal Smart Connect and on purchases made using PayPal Extras MasterCard® as a Funding Source for PayPal transactions. Extended Buyer Protection is not available for purchases made with PayPal Extras MasterCard® Credit Card outside of PayPal.

    Extended Buyer Protection from PayPal is in addition to any rights you have to dispute charges to your PayPal Credit with the credit issuer. As stated in the Billing Rights Notice provided with the Credit Agreement, if you have a problem with the quality of goods or services that you purchased using PayPal Credit and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on PayPal Credit for the Advance(s) related to such goods or services.

    Extended Buyer Protection with PayPal Credit provides coverage beyond the existing PayPal protection programs (PayPal Buyer Protection and the Buyer Complaint Process) and helps buyers who pay with PayPal Smart Connect or with PayPal Extras MasterCard® as a Funding Source for PayPal transactions recover the full purchase amount from eBay sellers who do not deliver the promised goods or who deliver goods which are 'significantly-not-as-described' in the eBay listing.

    In addition, Extended Buyer Protection with PayPal Credit helps buyers recover the full purchase amount for payments made with PayPal Smart Connect or with PayPal Extras MasterCard® as a Funding Source from online merchants outside the eBay marketplace who do not deliver the promised goods.

  • Amount of Coverage. If your claim is granted for a transaction funded by PayPal Smart Connect or by PayPal Extras MasterCard® as a Funding Source, PayPal will reimburse you for losses up to the full purchase amount, not just up to the maximum payout limit which applies to standard PayPal Buyer Protection for eBay transactions. Your reimbursement will be paid in the currency of the original PayPal payment up to the full purchase amount.

  • Eligibility. Extended Buyer Protection with PayPal Credit is available only on transactions where the buyer used PayPal Smart Connect or PayPal Extras MasterCard® as a Funding Source to fund the payment, and that meet the following qualifications.

    • Item Qualification Requirements. The item sold must be a tangible, physical item or good which can be shipped. All other items are ineligible for coverage under Extended Buyer Protection with PayPal Credit, including but not limited to intangible goods, services, quasi-cash, gift certificates, and downloadable or streaming content. Motor vehicles (including cars, boats, and planes), and Live Auctions will not be covered. In addition, items prohibited in the PayPal Acceptable Use Policy are ineligible for coverage. If an item does not meet the above requirements, it is ineligible for coverage under Extended Buyer Protection with PayPal Credit.

    • Buyer Qualification Requirements.

      • Send a single PayPal payment for the full price of the item to the PayPal account specified by the seller in the listing, using PayPal Smart Connect or PayPal Extras MasterCard® as a Funding Source to fund all or part of the payment. A buyer may send the payment to any email address associated with the seller's PayPal account.

        If the buyer sends payment to a different PayPal account, even at the seller's request, the transaction will not be covered by Extended Buyer Protection with PayPal Credit. If PayPal discovers sellers requesting payment be sent to a different PayPal account than the one originally used in the listing, that seller will be investigated and may have their account limited or closed.
      • File the dispute via the PayPal Online Dispute Resolution process within 45 days of the date of the payment, and then escalate the dispute into a claim. If you want to file a claim you must escalate your dispute into a claim no later than 20 days from the date the dispute has been filed. The terms applicable to filing a dispute and claim are set out in the Buyer Complaint Policy.

    • Partial Funding. If a buyer partially funds a purchase with PayPal Smart Connect or with PayPal Extras MasterCard® as a Funding Source, the entire purchase amount is eligible for Extended Buyer Protection with PayPal Credit. For example, if PayPal balance, Anything Points, Coupons or Gift Certificates is insufficient to cover the full purchase amount, and the buyer uses PayPal Smart Connect or PayPal Extras MasterCard® as a Funding Source to fund the remaining amount, then the entire purchase amount is eligible for Extended Buyer Protection with PayPal Credit, provided that the other Qualification Requirements in this section are met.

    • No More Than Three Claims Awarded Per Year. Buyers are limited to receiving no more than three claim payouts per calendar year under Extended Buyer Protection. After a buyer reaches the award limit, he or she may file additional claims under PayPal's standard Buyer Complaint Process. Recovery of funds, however, will not be guaranteed under the Buyer Complaint Process Claim payout limits apply for both PayPal Buyer Protection claims and Extended Buyer Protection claims. For example, a payout for a Extended Buyer Protection claim and a payout for a PayPal Buyer Protection claim will both count toward the same award limit; if a claim were filed beyond the award limit for either a PayPal Buyer Protection eligible item or Extended Buyer Protection eligible item, this additional claim would fall under PayPal's standard Buyer Complaint Process.

      If a buyer reaches the award limit while another claim filed under Extended Buyer Protection (or another PayPal Buyer Protection claim) remains pending, that claim will automatically revert to coverage under the standard Buyer Complaint Process.

    • Final Decision. The decision to offer Extended Buyer Protection for a transaction is at the sole discretion of eBay.com and PayPal. If Extended Buyer Protection is not offered at the time the buyer files a claim, Extended Buyer Protection will not be available.

  • Buyer Protection Claims.

    • Reasons to File a Claim. A buyer may file an Extended Buyer Protection Claim for a purchase made with PayPal Smart Connect or with PayPal Extras MasterCard® as a Funding Source for one of the following reasons:

      • The seller did not deliver the promised goods. If the buyer does not receive the goods purchased, he or she is eligible for coverage. Buyers should wait a reasonable amount of time - at least a week - to receive the item, and then must first file a dispute using the PayPal Online Dispute Resolution process before the dispute can be escalated to a claim. A dispute must be filed within 45 days of the payment. If you want to file a claim, you must escalate your dispute into a claim no later than 20 days from the date the dispute has been filed. The terms applicable to filing a dispute and claim are set out in the Buyer Complaint Policy.

      • For items purchased on eBay, the item delivered by the seller is 'significantly not-as-described' in the item listing. An item is 'significantly not-as-described' if the eBay seller clearly misrepresented the details of the item in a way that affects its value or usability. Only items purchased in eBay listings are eligible for 'significantly not-as-described' coverage. Please note that this does not include cases where you are merely disappointed with the item or where the item did not meet your expectations. Reasons that an item may be considered 'significantly not-as-described' include, but are not limited to, the following:

        • The item is completely different than what the seller had presented in his listing.
        • The condition of the item is significantly different.
        • The item in its received state is unusable and was not disclosed as such.
        • The item is not authentic and was advertised as authentic in the listing.
        • The item is missing a major portion or quantity.

        There may be times when the characteristics of the item or the situation do not exactly match the listing in all respects, but do not render the items 'significantly not-as-described'. PayPal encourages all buyers and sellers to communicate with each other before and after the transaction to prevent these issues from occurring. For items that do not qualify as 'significantly not-as-described', we still encourage the buyer and seller to find an equitable solution. PayPal will reserve the right to make a decision on whether an item is 'significantly not-as-described' if the buyer and seller cannot agree. Once PayPal has made a decision on a 'significantly not-as-described' item, that decision is final and cannot be appealed.

    • One Claim Per Payment. You may only file one claim per PayPal Credit payment.

    • Filing a dispute Within 45 Days. Before filing a claim, you must file a dispute through PayPal’s Online Dispute Resolution process. You will be given the option to escalate your dispute into a claim within 20 days of the dispute being filed under the terms of the Buyer Complaint Policy.

      Once a dispute has been escalated into a claim, PayPal will contact the seller and investigate your claim. PayPal may use any messages posted in the PayPal Resolution Center while your dispute was open to decide the claim If the claim involves non-delivery of goods, the seller must present appropriate proof of delivery to the buyer’s specified address. If the claim is granted, PayPal will reimburse you up to the full purchase amount. If your payment was funded wholly or partly with PayPal Credit, PayPal will reimburse you first by issuing a refund to your PayPal Credit, and then by crediting any remaining amount to your PayPal balance

      Disputes must be filed no later than 45 days from the date of payment. Disputes must be escalated into a claim no later than 20 days from the date the dispute has been filed. Only one claim may be filed per PayPal transaction. PayPal will seek to resolve the claim within 30 days of the date the dispute is escalated into a claim, though such time frame may be extended, if appropriate, to accommodate the investigation. This policy applies only to the sale of tangible, physical goods and excludes all other sales and services, pursuant to section 8.c.1 above.

    • Buyer Responsibilities. You agree to respond to any PayPal inquiries regarding the claim within the time specified. If you fail to respond to PayPal's request for more information, your claim will be cancelled and you will not receive a refund.

      If you file a claim for a 'significantly not-as-described' eBay item, you will generally be required to return the item to the seller, at your own expense. In some circumstances, we may require you, at your own expense, to send the item to PayPal or to a third party specified by PayPal, or to provide evidence that the item has been destroyed (if for example, PayPal received evidence that the item in question is a fake, counterfeit or otherwise unauthentic). PayPal may require and request evidence from you that the above matters have been carried out. Buyers in the United States, Canada, and the United Kingdom must use an online-trackable shipping method to send the item as directed by PayPal , and will be asked to provide the tracking number to PayPal. For transactions equal to $250.00 USD (or the equivalent in the currency of the transaction) or more in value, you will also need to provide an online proof-of-receipt in the form of a signature from the recipient. Buyers outside the United States, Canada, and the United Kingdom should use an online-trackable shipping method if one is available. Once PayPal has confirmed that the recipient has received the item, or, if appropriate, that the item has been destroyed, your refund will be processed. Additionally, in some instances, the seller may choose to forego having the item returned. In some instances, PayPal may ask you to support your claim by supplying a copy of the police report you filed.

      In some cases, buyers will be asked to specify the amount of the refund they would find acceptable to settle the dispute. If you specify a partial refund amount that is less than the amount of the original transaction, and the seller agrees to refund the amount you specified, PayPal will consider the claim to be successfully resolved.

    • Decisions are final. Once PayPal has closed a claim, it cannot be reopened.

  • Seller Liability and Other Responsibilities. If you are a seller, you agree to respond to any PayPal inquiries regarding a claim filed against you within the time specified. If you fail to respond to PayPal's request for more information, you forfeit your right to appeal and the refund will be paid to the buyer from your PayPal account. You must respond to PayPal's inquiries. You may only appeal PayPal's decision if the claim was for an item "significantly not as described" and the item was no longer in its original condition when the buyer returned the item to you.

    In the event that PayPal grants a buyer's claim against you under the Extended Buyer Protection Policy, you agree to hold PayPal harmless and to reimburse PayPal for the full purchase amount, from either your PayPal account or by other means.

    PayPal recommends that you provide thorough descriptions and photos of the actual item in the eBay listing to protect yourself against 'significantly not-as-described' claims.

    In the event that a claim for a Extended Buyer Protection is decided in the buyer's favor, you are responsible for reimbursing PayPal for the full amount refunded to the buyer. This could mean that your PayPal account balance will go negative for the entire purchase amount. In addition, if your account balance becomes negative, your PayPal account access may be limited until PayPal has been reimbursed for the full amount of the refund. If a dispute or a subsequent claim is filed against you, we recommend keeping sufficient funds to cover the refund of the payment in your PayPal balance to avoid having your balance become negative.

  • Additional Terms and Conditions.

    • Availability. PayPal reserves the right to change or discontinue Extended Buyer Protection for any reason, at any time and for any duration at its sole discretion, and without notice as to future transactions. Pending claims and claims for transactions already completed at the time of any such discontinuance will continue to be processed until a final decision is reached

    • Currency. Unless otherwise stated, all amounts in these Terms and Conditions are in U.S. Dollars.

    • Single PayPal or eBay Claim. You may not file a claim with both PayPal and eBay for the same transaction. If your claim for Extended Buyer Protection is paid, any eBay claim will be denied. If your PayPal claim is denied, your eBay claim will also be denied.

    • Contacting the issuer of PayPal Credit. Filing a claim through the PayPal Security Center will not result in an inquiry or dispute being placed with the issuer of your PayPal Credit. If you wish to file an inquiry or dispute with the issuer of PayPal Credit, please call 1-866-571-3012.

  • Reversals. If a payment funded only with PayPal Credit is reversed in full or in part, a credit in the amount of the reversal will be posted back to the buyer's PayPal Credit. If a payment funded in part with PayPal Credit is reversed in full, the proportional amount will be credited back to the buyer's PayPal Credit. If a payment funded in part with PayPal Credit is partially reversed, the amount of the reversal will first be credited fully or proportionately to the buyer's PayPal Credit per the rules above, before any other funding source is restored.

PayPal Extras MasterCard® Rewards Program Terms

Program Eligibility:

The PayPal Extras MasterCard® Rewards Program is automatically available to each PayPal Extras MasterCard® Credit Card customer (“Cardholder”) whose PayPal Extras MasterCard® Credit Card Account is open, in good standing, and is not more than 2 consecutive payments past due at the time the Rewards Points are earned or the Rewards Vouchers are issued.

Rewards Points:

For every dollar in net purchases charged to your PayPal Extras MasterCard® Credit Card Account, you will earn 1 Rewards Point. Net purchases mean merchandise and/or services purchased minus returns and adjustments. Unless otherwise stated in a special offer, Balance Transfers, Cash Advances, finance charges, and fees do not qualify for Rewards Points. The amount of Rewards Points accrued during a billing period is calculated daily, and is rounded up to the next whole Rewards Point.

Rewards Vouchers:
Redemption:

In order to use your Rewards Points, you must go to the PayPal Extras MasterCard® Service Site and redeem them for Rewards Vouchers. The amount of Rewards Points required to redeem a Rewards Voucher is listed on the PayPal Extras MasterCard® Service Site. Rewards Points are available for redemption on the first day of the next billing period after the applicable Purchase is made. In some circumstances, we may delay making Rewards Points available for redemption. Only the primary Cardholder may redeem Rewards Points. Multiple participants may not combine Rewards Points for redemption purposes. You may not redeem your Rewards Points for Rewards Vouchers if your PayPal Extras MasterCard® Credit Card Account is delinquent.

Restrictions:

Use of the Rewards Voucher is subject to the terms and conditions printed on the voucher. Rewards Points do not constitute property of the Cardholder. Rewards Points and Rewards Vouchers are not transferable or assignable under any circumstances, including (i) upon death, (ii) as part of a domestic relations matter, or (iii) otherwise by operation of law. Rewards Point credits will not be issued for any unused Rewards Vouchers, and Rewards Vouchers may not be returned or exchanged. Lost or stolen Rewards Vouchers will not be replaced. If the PayPal Account that is associated with your PayPal Extras MasterCard® Credit Card is closed, you will not be able to use your Rewards Voucher. Rewards Vouchers cannot be credited to a PayPal Extras MasterCard® Credit Card or PayPal Account or redeemed for cash. Rewards Vouchers must be used by the expiration date.

All accrued Rewards Points that you do not redeem for Rewards Vouchers will expire and be removed from your balance: (i) if you do not make a purchase with your PayPal Extras MasterCard® Credit Card Account for 12 consecutive months, (ii) 36 months after the Rewards Points were earned, (iii) if you are more than 2 consecutive payments past due on your PayPal Extras MasterCard® Credit Card Account, or (iv) if your PayPal Extras MasterCard® Credit Card Account is closed for any reason (other than as a result of a lost or stolen card, in which case all accrued points will be applied to the replacement card).

If you fail to follow these Terms, abuse the Program privileges, or provide false or misleading information your eligibility in the Program may be canceled and you will forfeit all accrued Rewards Points or Program benefits. The PayPal Extras MasterCard® Rewards Program may be changed or discontinued at any time without notice. The accumulation of Rewards Points does not entitle you to any vested rights with respect to such points or Program benefits. In accumulating Rewards Points, you may not rely on the continued availability of any award or award level, and you may not be able to obtain all offered awards. Any award may be withdrawn or subject to increased Rewards Point requirements or new restrictions at any time. Changes to the Program may affect the perceived value of, or your ability to use, the Rewards Points you already have accumulated or result in the forfeiture of accumulated Rewards Points.