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Does PayPal cover my purchase if there's a problem?

When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesn’t arrive or is significantly not as described, we will help buyers get a full refund.

To qualify for PayPal Purchase Protection:

  • Use PayPal to complete your payment.
  • Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute.
  • Keep your PayPal account in good standing.


If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges.

You can report your problem in the PayPal Resolution Center or the eBay Resolution Center. Either way, you’ll receive the same coverage. To find out how to report a problem on eBay, go to eBay and click Resolution Center at the bottom of any page.

Please note that some purchases such as vehicles in the Motors category, industrial machinery used in manufacturing and Real Estate aren't eligible for PayPal Purchase Protection.

To learn more about PayPal Purchase Protection and to see a full list of eligibility requirements and exclusions, please review our User Agreement. You can find the User Agreement by clicking Legal at the bottom of any PayPal page.

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