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.

What is Fraud Protection Advanced and do I need integration?

Fraud Protection Advanced gives more insight and control to help balance chargebacks and declines. Fraud Protection delivers intelligence from both the merchant and consumer sides of transactions, combined with advanced machine learning and analytics, to help you protect your business from existing and evolving threats. It is built-in to our core processing integration.

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

Showing page 1 of 3

AI-driven fraud intelligence backed by data

Fight fraud using our real-time risk models informed by our $1.68 trillion in total annual payment volume¹ and 20+ years of industry expertise.

Full flexibility for dispute management

Choose to manage PayPal disputes from your internal dispute management tool or the PayPal Resolution Center.

Remove friction for customers who transact

Speed up order timelines, block potential fraudsters and risk threats, and keep good customers happy.

No new integration required

Easily added to 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 %

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 complete control with Fraud Protection Advanced.

Fraud Protection Advanced Chargeback Protection

More insights. More control.

Fraud Protection Advanced uses our 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

Leverage our expansive suite of customizable fraud tools, analytics, and reports.

No integration needed

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

No extra cost fraud analysis

Ask our team of data scientists and fraud experts questions about filters or for help during a fraud attack.

Out-of-the-box fraud management

Our end-to-end service reduces your risk of loss from 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.

Recover lost revenue. Handle disputes.

Integrate our fully automated solution to save time and effort while handling disputes. Use with Fraud Protection Advanced or as a standalone dispute management tool.

Scale with AI

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

Fight up to 100% of disputes, and pay only for your wins
Use customizable AI-driven templates to submit evidence
Leverage AI 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. Even when you’re facing a customer dispute, we can help you avoid chargebacks, reversals, and fees on eligible transactions. Limits apply. See Seller Protection terms.