How does Chargeback Protection differ from Seller Protection?

Both Chargeback Protection and Seller Protection help protect your business from eligible fraudulent and unauthorized transactions. Seller Protection is available for eligible PayPal and Pay Later payments. Chargeback Protection is available for eligible credit and debit card transactions. As an optional add-on with an additional fee, Chargeback Protection can also protect Item Not Received chargebacks.

If I accept card payments, can I get both Chargeback Protection and Fraud Protection?

They both offer the benefits of PayPal fraud detection and risk management for credit and debit card transactions, but you can use only one of the services at a time. With Fraud Protection, you’ll be responsible for any chargebacks and associated fees. Chargeback Protection collects a small fee per eligible credit and debit card transaction to add protection on eligible chargebacks.

I experience a high volume of chargebacks. Is there a way to make it easier to respond to them?

If you experience a lot of chargebacks that are not related to fraud or item not received, Dispute Automation by Chargehound, a PayPal service, could be a cost-effective alternative to Chargeback Protection. Plus, you can use it along with our Fraud Protection service. Dispute Automation by Chargehound is a unique service that enables dispute responses to be free of human error, complete, and submitted on time. Learn more about Dispute Automation by Chargehound.

How do Seller Protection and Chargeback Protection hold transaction funds?

On eligible disputes, Seller Protection and Chargeback Protection put a temporary hold on transaction funds, but they never leave your merchant account. Upon receiving required documentation, the hold is released and the funds are once again available in your account.

Which fraud protection solution is right for my business?

PayPal offers two fraud protection solutions for different merchant needs. Fraud Protection Advanced is designed for merchants with dedicated fraud teams and complex risk requirements, giving them configurability and expert support to manage fraud on their own terms. Fraud Protection Lite is a self-service option for merchants who want stronger fraud decisioning without the setup and overhead of an enterprise solution. Eligible merchants can get started directly from the Braintree control panel, no new integration required.

Business risk management

Control your risk strategy. Fight fraud. Protect revenue.

Help shield your business from evolving threats with our adaptive fraud management solutions. Backed by AI-driven insights trained on billions of transactions across our global two-sided network.

Fraud Protection

Chargeback Protection

Dispute Management

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AI-driven fraud intelligence

Fight fraud using real-time risk models informed by our $1.79 trillion in total annual payment volume¹ and 20+ years of industry expertise.

Protect and grow revenue

Help reduce fraud losses while protecting approval rates. So the right transactions get through and the wrong ones don’t.

Flexible for your needs

Protect your revenue your way: with options for automation or hands-on control with customizable fraud filters.

No new integration

Built into your existing payment platform when you process with us. Unify risk visibility across all of your payment flows.

12.8 B

digital identifiers in our network²

98.5 %

of buyers are recognized by PayPal³

Options to tailor your risk management

Choose the approach to risk management for card transactions that best suits your business. Let us help manage your risk with Chargeback Protection on eligible transactions,⁴ or take more control with our fraud protection solutions.

Fraud Protection Chargeback Protection

More insights. More control.

Our fraud protection solutions use powerful AI-driven risk models and intelligence from our global two-sided network to help protect your business from ever-evolving threats.

Risk-centric AI insights

Proactively fight fraud. Our machine learning technology assigns a risk score to every transaction as it occurs.

Manage fraud your way

Get more control with Fraud Protection Advanced or automated configuration with Fraud Protection Lite.

No integration needed

Easily enable our adaptive fraud solutions within our centralized payment processing.

Expert fraud analysis

Get direct access to personalized guidance and analytics with Fraud Protection Advanced.

Out-of-the-box chargeback protection

Our chargeback protection service reduces your risk of loss from eligible fraudulent transactions.⁴

Streamline with AI-driven risk models

Using AI insights based on billions of data points from global our two-sided network, we help protect your business from ever-evolving threats.

Real-time decisioning

We evaluate whether to approve or decline every one of your transactions in real time. Our monitoring and adaptive solutions help keep your transactions protected from fraud.

Waived fees for fraud

If an approved transaction turns out to be fraudulent or results in an item-not-received dispute, we'll waive the PayPal chargeback fee up to the monthly loss cap amount.⁴

Reduce your chargebacks

We help reduce friction for customers and mitigate transactions likely to result in fraud. We also help minimize card network fees related to chargebacks.

Prevent lost revenue. Handle disputes.

Integrate our dispute automation solution to save time and effort while handling disputes. Use with our fraud protection solutions, or on its own as a standalone dispute management tool.

Scale with AI-

driven tools

Centralize all of your payment disputes in one platform. Real-time monitoring allows your business to:

Fight up to 100% of eligible disputes and pay only on recovered wins
Use customizable AI-driven templates to submit evidence
Leverage AI-powered tools to identify unwinnable disputes early, and route high-value disputes for manual review
Centralize disputes across multiple payment service providers in one platform with real-time monitoring

Built-in Seller Protection for PayPal Payments

When you accept PayPal, Pay Later, or payments from PayPal invoices, we can help your business avoid chargebacks, reversals, and fees on eligible transactions.⁵ Even when you’re facing a customer dispute. Limits apply. See Seller Protection terms.