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Help Centre > Disputes and Claims/Fraud and security > What is an unauthorised payment?

What is an unauthorised payment?

Any payment made from a credit card, bank account or PayPal account without the account owner’s permission is an unauthorised payment.

When PayPal believes that a payment is unauthorised, we place a hold on it. Money can't be withdrawn until we determine if the payment is authorised.

If the payment is unauthorised, the money is returned to the sender's account. Sellers who meet the eligibility guidelines under PayPal Seller Protection are protected.

If there is any unauthorised payment on your account, you should report it through the Resolution Centre.

If you can't log in to your account:

  1. Click the Security link at the bottom of the page.
  2. Click More about safer selling.
  3. Click Start an unauthorised transaction claim on the left side of the page.
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