What is Section 75?

Section 75 is a UK legal protection for certain credit purchases. It can make PayPal jointly responsible with the seller if there has been a breach of contract or misrepresentation in relation to a qualifying purchase.

Section 75 for Pay in 3 and Pay in 30 Days

If you use PayPal Pay in 3 or Pay in 30 Days for a qualifying purchase, Section 75 of the Consumer Credit Act 1974 gives you extra protection when you pay for something using credit. It makes your credit provider jointly responsible with the seller if something goes wrong — for example, if there is a breach of contract (such as goods not delivered, not as described, or faulty) or a misrepresentation about what you were buying. This means you can bring your claim to PayPal as well as to the seller. For more information on your Section 75 rights, visit MoneyHelper's guide to BNPL and s75.

Does Section 75 apply to Pay in 3 and Pay in 30 Days?

From 15 July 2026, yes – as long as you took out your plan on or after that date. From 15 July 2026, the government is bringing Pay in 3 and Pay in 30 Days under new regulation (this type of credit is called “Deferred Payment Credit” in the new rules). For qualifying purchases made using Pay in 3 or Pay in 30 Days on or after that date, Section 75 becomes available for these plans, in the same way it already applies to other eligible PayPal credit products - where the legal conditions are met.

Before 15 July 2026, Pay in 3 and Pay in 30 Days are not regulated in this way, so Section 75 does not apply to plans taken out before that date. You can read more on the FCA’s Buy Now Pay Later page.

Am I covered?

Section 75 applies to purchases where:

• The cash price of what you buy is more than £100 and no more than £30,000; and
• You pay using an eligible PayPal credit product – for example PayPal Credit, PayPal Pay in 3 or PayPal Pay in 30 Days (these are only for qualifying Pay in 3 and Pay in 30 Days agreements from 15 July 2026 onwards)

It does not cover purchases at or below £100, or above £30,000.

What if I took out my Pay in 3 or Pay in 30 Days plan before 15 July 2026?

Section 75 does not apply to that purchase, even if you are still making payments after 15 July 2026. This is because the law looks at when you took out the plan, not when your payments are made. You may still be covered by PayPal Buyer Protection – contact PayPal Customer Service to find out more.

What kinds of problems can Section 75 cover?

Section 75 may apply if, for example:

• Your item does not arrive.
• Your item is not as described.
• The retailer misled you about the item.

The retailer goes out of business before supplying the goods or services. It does not usually apply if you simply change your mind.

Does the "above £100" threshold apply to the total price or just the amount I paid using Pay in 3 or Pay in 30 Days?

The above £100 to £30,000 limits apply to the total cash price of a single item or service, not just the amount paid using Pay in 3 or Pay in 30 Days. So if the total purchase price is more than £100, Section 75 may still apply even if only part of the purchase was paid using PayPal Pay in 3 or Pay in 30 Days.

If I only paid part of the cost using Pay in 3 or Pay in 30 Days, can I still be covered?

Yes, potentially. Section 75 may still apply for eligible claims if the total cash price of a single item or service is more than £100 and not more than £30,000.

How do I make a Section 75 claim?

Contact PayPal Customer Service by phone or chat and let us know you'd like to make a Section 75 claim. We'll guide you through what we need and provide additional updates via email.

Do I need to raise a PayPal Buyer Protection dispute first?

No — you don't have to complete a PayPal Buyer Protection claim before making a Section 75 claim. While we often recommend starting with Buyer Protection because it can be the fastest way to resolve an issue, it is not required. If your situation is not covered under Buyer Protection, you can avail Section 75 and PayPal will complete an additional review and notify you of the outcome separately. Either way, if you ask us to look at your claim under Section 75, we will always assess it on its own merits – a Buyer Protection decision does not decide your Section 75 claim.

How long will it take?

We aim to respond within about 8 weeks.

What information or documents might I need to provide?

We may ask for further information and documents such as:

• Any proof of purchase, written confirmation from the seller, your receipt or order confirmation for online purchases.
• Details of what you bought, details of what went wrong (for example breach of contract or misrepresentation).
• Evidence of the problem, such as photos, tracking information, or emails.
  
• Any correspondence you have had with the seller.
  

We’ll tell you exactly what we need when you contact us.

Is there a time limit for making a claim?

• General legal time limits apply. In England and Wales, you have 6 years to make a claim, and in Scotland it is usually 5 years.
• This runs from the date of the breach of contract or misrepresentation. If your goods or services were never received, the 6 years starts from when they were due to be delivered.
• If you were deliberately misled and only found out recently, the 6 years may instead run from when you found out, or from when you could reasonably have found out, whichever is earlier.

What if my item never arrived?

If your item never arrived, that is normally treated as a breach of contract. In general, the time limit runs from when the item should have been delivered to you.

What if my Buyer Protection case is already closed?

Your Section 75 rights are separate from PayPal Buyer Protection.

What if my claim is declined?

If we do not uphold your claim, we will explain why. If you remain unhappy, you can ask us to review it, and you have the right to escalate to the Financial Ombudsman Service if it remains unresolved after 8 weeks. If you still disagree once we’ve sent you our final decision, you have 6 months from the date of that letter to take your complaint to the Financial Ombudsman Service, free of charge - after that, they may not be able to look into it.

What if my PayPal dispute was already closed, can I still make a Section 75 claim?

Yes. Even if your PayPal Buyer Protection dispute has already been resolved, or you never raised one at all, you can still contact PayPal Customer Service to make a Section 75 claim, as long as your plan was taken out on or after 15 July 2026. Your right to claim under Section 75 is separate and is not affected by the outcome of a Buyer Protection case.

Can I track my Section 75 claim in my PayPal account?

No — Section 75 claims don’t appear in your PayPal account or the Resolution Center. Our team handles these directly and will contact you with updates. If you’d like a status update at any point, please get in touch with PayPal Customer Service.

Does the £100 threshold apply to the total price or just the amount I paid with using PayPal Credit, Pay in 3 or Pay in 30 Days?

The £100 to £30,000 limits apply to the total cash price of the item or service, not just the amount paid for using PayPal Credit, Pay in 3 or Pay in 30 Days.

So if the total purchase price is more than £100 (for example, if you bought something worth £150 and only part of the payment was made using a PayPal credit product), Section 75 may still apply because the total price exceeds £100 - this is the case even if only part of the purchase was paid using PayPal Credit, Pay in 3 or Pay in 30 Days.