Last updated on 16 September 2024
Last updated on 16 September 2024
This page informs users in advance of important changes to the PayPal Service, its User Agreement, or other policies. We encourage you to review this Policy Update to familiarize yourself with all of the changes that are being made to the PayPal User Agreement and the other policies. These updates will be posted at least 30 days prior to their effective date.
You do not need to do anything to accept the changes as they will automatically come into effect on the below date. Should you decide you do not wish to accept them you can notify us before the above date to close your account immediately without incurring any additional charges.
*For past policy updates between Sep 2013 and Dec 2018, please view this pdf.
This Page
This page details and/or previews updates to PayPal users of changes to the Russian Federation PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below. Despite the current suspension of certain PayPal services in Russia, PayPal RU is amending the agreements listed in this Policy Update to align with our global practices.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective October 31, 2022:
This Page
This page details and/or previews updates to PayPal users of changes to the Russian Federation PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective September 7th, 2022:
This Page
This page details and/or previews updates to PayPal users of changes to the Russian Federation PayPal User Agreement or other online agreements, policies, or statements that require notice.You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective March 16, 2022 we are:
Review the updated User Agreement
Review the updated Seller Protection program.
Amendments to all applicable Legal Agreements
Effective March 16, 2022 we are:
This Page
This page details updates to PayPal users of changes to Russian PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective December 1, 2021 we are:
This Page
This page displays policy updates which notify users of important changes to the PayPal Russia User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: 10 September 2021
To review the updated User Agreement, please click HERE.
Amendments to the PayPal Acceptable Use Policy
This Page
This page displays policy updates which notify users of important changes to the PayPal Russia User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: 31 May 2021
To review the updated User Agreement, please click HERE.
This Page
This page displays policy updates which notify users of important changes to the Russian PayPal User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: 26 February 2021
We are revising the listed exclusions to PayPal’s Buyer Protection and Seller Protection to be globally consistent and to clarify which transactions are eligible for protection.
To review the updated User Agreement, please click HERE.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on.
October 22, 2020.
In the event you would prefer to decline these changes, you can close your account prior to October 22, 2020, without incurring any additional charges.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not mentioned in this document. This does also apply where we have corrected or standardised numbering and references.
UPDATES TO THE PAYPAL USER AGREEMENT
Effective date: October 22, 2020
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
31 July 2020
In the event you would prefer to decline these changes, you may close your account prior to 31 July 2020.
All changes and updates to the legal agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted. This does also apply where we have corrected or standardised numbering and references.
Updates to the PayPal User Agreement
Effective date: 31 July 2020
Our New Cross-Border Business Model
We will only support cross-border payments: you will be able to use PayPal Services as normal, but only to make payments to international PayPal users or receive payments from international PayPal users. You will not be able to send or receive payments from Russian PayPal users.
We included the relevant details in Key Risks and Terms, section Opening an Account and removed domestic payments’ fees from the Table of Fees.
Making A Payment – Buyer Protection
In this section, we have reworded the PayPal Buyer Protection Policy for global alignment. Below, the entire text appears in italic as it is new – where we have added substantially new stuff, this has been underlined to be highlighted.
When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim qualifies for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.
IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur.
Further, PayPal requires its consumers to attempt to contact or otherwise attempt to resolve their issue with their merchant directly prior to filing a dispute or claim with PayPal. PayPal reserves the right to deny or disallow claims where the consumer failed to attempt to work directly with the merchant to resolve their issues.
PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction:
If you believe that a transaction made through your PayPal account was not authorised by you, this type of claim is different from the Purchase Protection program, and is described below under Liability for Unauthorised Transactions and Other Errors.
Item Not Received claims
Your claim will not qualify for a refund under PayPal Buyer Protection program for an Item Not Received claim, if:
If the seller presents evidence that they delivered the goods to your address, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods.
Significantly Not as Described claims
An item may be considered Significantly Not as Described if:
An item may not be considered Significantly Not as Described if:
Ineligible items and transactions under PayPal Buyer Protection
Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:
Transaction eligibility for PayPal Buyer Protection
To be eligible for PayPal Buyer Protection you must meet all of the following requirements:
Our online dispute resolution process
If you’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Center to pursue a claim under our Purchase Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:
Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.
Step 2: Escalate the dispute to a claim for reimbursement within 20 days after opening the dispute, if you and the seller are unable to come to an agreement, or we will automatically close the dispute. You can escalate the dispute to a claim for reimbursement through the Resolution Center. The seller or PayPal may also escalate the dispute to a claim at this point. PayPal may ask you to wait at least 7 days from the dispute filing date to escalate the dispute.
Step 3: Respond to PayPal’s requests for documentation or other information, after you, the seller or PayPal escalates your dispute to a claim for reimbursement. PayPal may require you to provide receipts, third party evaluations, police reports or other documents that PayPal specifies. You must respond to these requests in a timely manner as requested in our correspondence with you.
Step 4: Comply with PayPal’s shipping requests in a timely manner, if you’re filing a Significantly Not as Described claim. PayPal may require you, at your expense, to ship the item back to the seller, to PayPal or to a third party (which will be specified by PayPal) and to provide proof of delivery.
Proof of delivery means:
Step 5: PayPal will make a final decision (including automatically closing any dispute or claim), in its sole discretion, based on the coverage and eligibility requirements set forth above, any additional information provided during the online dispute resolution process or any other information PayPal deems relevant and appropriate under the circumstances.
In the event that PayPal makes a final decision in favour of the buyer or seller, each party must comply with PayPal's decision. If PayPal finds in favour of a buyer, PayPal will reimburse the buyer for the full purchase price of the item and original shipping costs. In a seller loses a claim, the seller will not receive a refund on the PayPal fees associated with the transaction. If a seller loses a Significantly Not as Described claim due to the item sold being counterfeit, the seller will be required to provide a full refund to the buyer and will not receive the item back
Note that when you are making Digital Goods Micropayments Purchases, there are special rules that apply and that include pre-determined thresholds where we may, at our discretion, reverse the transaction without requiring you to take further action. We may limit the number of automatic reversals that you benefit from, but, even if that is the case, you will still be able to follow PayPal's standard dispute resolution processes described above.
Dispute with us or your card issuer
If you used a debit or credit card as the payment method for a transaction through your PayPal account and you are dissatisfied with the transaction, you may be entitled to dispute the transaction with your card issuer. Applicable card chargeback rights may be broader than those available to you under PayPal’s Purchase Protection program. For example, if you dispute a transaction with your card issuer, you may be able to recover amounts you paid for unsatisfactory items even if they don’t qualify for protection under a Significantly Not as Described claim with us.
You must choose whether to pursue a dispute with PayPal under our Purchase Protection program, or to pursue the dispute with your card issuer. You can’t do both at the same time or seek a double recovery. If you pursue a dispute/claim with us and you also pursue a dispute for the same transaction with your card issuer, we’ll close your dispute/claim with us. This won’t affect the dispute process with your card issuer. In addition, if you pursue a dispute with your card issuer, you cannot pursue a dispute/claim with us later.
If you choose to dispute a transaction with PayPal and we decide against you, you can seek to pursue the dispute with your card issuer later. If PayPal does not make a final decision on your claim until after your card issuer's deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or your card issuer).
Before contacting your card issuer or filing a dispute with PayPal, you should contact the seller to attempt to resolve your issue in accordance with the seller’s return policy.
Receiving Payments – Impact of PayPal Buyer Protection on Sellers
We have amended the wording in the "Impact of PayPal Buyer Protection on Sellers" sub-section and replaced the existing second paragraph with the following wording (the first paragraph of the sub-section remained unchanged):
If you lose a claim under PayPal Buyer Protection in any country:
If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may:
Receiving Payments – PayPal Seller Protection
As with PayPal Buyer Protection, in this section we have reworded the PayPal Seller Protection Policy for global alignment as follows.
What’s eligible
If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program
PayPal Seller Protection may apply when a buyer claims that:
PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank.
This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various purchase protection processes on sellers.
Basic requirements
To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements:
Item Not Received additional requirements
To be eligible for PayPal’s Seller Protection program for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below:
Intangible Goods additional requirements
For the sale of intangible goods and services to be eligible for PayPal’s Seller Protection, the sale must meet the basic requirements and the following additional requirements:
Establishing proof of delivery or proof of shipment
Physical Goods The following is required as proof of shipment or delivery for physical goods: | |
Proof of shipment | Proof of delivery |
Online or physical documentation from a shipping company that includes: | Online or physical documentation from a shipping company that includes: IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. |
Intangible Goods The following is required as proof of shipment or delivery for intangible goods: | |
For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:
|
Ineligible items and transactions
Your sale is not eligible for coverage under PayPal Seller Protection if:
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
To review the updated User Agreement, please Click HERE.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date.
Updates to the User Agreement
Effective: March 9, 2020
We’re unveiling an entirely redesigned User Agreement for our customers. We’ve worked hard to make this new User Agreement a more user friendly experience with content that makes it easier for you to understand your rights and obligations when it comes to using PayPal’s products and services.
Here’s what we’ve done:
We’ve redesigned the User Agreement to simplify its format, with new color-coded headings so you can find the information most relevant to your account more easily. We’ve revised and reorganised the content of the User Agreement to be easier to follow and to include information where you’d naturally look for it. Except as described below, we’re not changing the meaning of what we say, only how we say it and where you can find it.
In addition to redesigning the User Agreement, we’re making the following substantive changes to our terms:
To review the updated User Agreement, please Click HERE.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
You do not need to do anything to accept the changes as they will come into effect on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Please review the current Legal Agreements in effect
Notice of amendment to the PayPal User Agreement.
Effective Date: 21 October 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Currency Conversion Fees
We are increasing the currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your bank account (if your PayPal balance is held in a currency other than Ruble, funds withdrawal from your PayPal Account to a bank account) from 2.5% to 3.0%.
The relevant part of Exhibit A. Table of Fees now reads as follows (with amendments underlined):
Currency Conversion Fee | Currency Conversion that occurs when sending a Personal or a Commercial Transaction payment (including conversion of amounts returned to you as refunds or refused payments): Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your bank account (if your PayPal balance is held in a currency other than Ruble, funds withdrawal from your PayPal Account to a bank account): |
Notice of amendment to the PayPal User Agreement.
Effective Date: August 19, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Refused Transactions and Refunds
We are amending section 6.1. (Acceptance of yor e-money transfer), adding section 6.3 (Refused sent by the recipient) and amending Section 3 of the Annex A. (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion applies to the returned amount). The relevant parts of sections listed above now reads as follows (presented in context with the clause heading, with added wording underlined):
«6.1 Acceptance of your e-money transfers
« 6.3 Refunds sent by the recipient.
We may allow the recipient of your payment to:
We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.
If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:
If the original payment you sent involved a currency conversion and any amount of that payment is returned to you in any of the ways outlined above we will convert the returned amount from the currency received by the recipient as follows::
You agree to bear the currency conversion fee set out at section 3 of the Exhibit A for any currency conversion carried out for you on any amount returned to you in the ways outlined above. The transaction exchange rate includes the currency conversion fee. The transaction exchange rate may be applied immediately and without notice to you. See section 2.13 for more information about the transaction exchange rate.
We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see section 9.
We may decide to not charge your original Funding Source for the original payment in the first place if the the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.
The returned amount could be lower in value than your original payment amount. This can happen as a result of:
PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see section 12).»
«3. Other Fees
Currency Conversion Fee | Currency Conversion that occurs when sending a Personal or a Commercial Transaction payment (including conversion of amounts returned to you as refunds or refused payments): Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your bank account (if your PayPal balance is held in a currency other than Ruble, funds withdrawal from your PayPal Account to a bank account): |
2. Other changes
Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
You do not need to do anything to accept the changes as they will automatically come into effect on the Effective Dates shown below. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/ru/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.
Please review the current Legal Agreements in effect
Notice of amendment to the PayPal User Agreement.
Effective Date: April 29, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. PayPal Seller Protection
We clarified the types of Unauthorized transactions that are not covered by PayPal Seller Protection. The relevant part of section 11.2.1 now reads as follows (presented in context with the clause heading, with added wording underlined):
«11.2 PayPal Seller Protection
11.2.1 What is PayPal Seller Protection?
PayPal Seller Protection is protection we provide to Sellers from Claims, Chargebacks, or Reversals that are based on:
…»
2. Other changes
Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.
Notice of amendment to the PayPal Privacy Statement
We’re making changes to the Privacy Statement that provides information on how we use your data.
We've provided additional details on how we use data when you transact with your friends, as well as more information on how we use data to prevent fraud and risk.
You can review the changes and the current Privacy Statement here.