If you see a PayPal transaction on your credit or debit card statement, but don’t have a PayPal account, or can’t find the transaction in your PayPal account, it’s likely that your payment was completed through our guest checkout.

A guest checkout transaction happens when PayPal is used as the payment processor, but you weren’t logged into your PayPal account at the time of the purchase.

You can create a PayPal account by clicking Activate PayPal Now in the email you received at the time of your purchase. Once your account is created, you can open a dispute.

If you have a problem with your guest transaction and want to open a dispute, go to your Resolution Center and click Report a Problem. The Resolution Center is only accessible on a web browser, not the PayPal app.