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

Our Purchase Protection covers all eligible PayPal transactions. 

To avail of our Purchase Protection, we require that your PayPal account is kept in good standing and that you open a dispute within 180 days of payment. 

Go to your Resolution Center and click Report a Problem.

In a dispute, you can exchange messages with the other party in your Resolution Center to try to solve the problem.

If you’re unable to settle the dispute, you can escalate it to a claim. To escalate a dispute, we often require that at least 7 days have passed since the payment date.

By escalating a dispute to a claim, you’re asking PayPal to investigate and decide the outcome. A dispute will automatically close after 20 days unless it’s been escalated. Closed disputes cannot be reopened or escalated to a claim.

We’ll review the case and decide if you're eligible for a refund. If we decide the claim in your favor, we’ll reimburse you for the full purchase price and original shipping costs.    

Some items aren’t eligible for our Purchase Protection such as: 

  • Motor vehicles 
  • Industrial machinery 
  • Real estate 
  • Prepaid cards 
  • Items that violate our policies
  • Friends and Family payments
  • Pending authorizations
  • Money requests or invoice requests that have not been paid by customers
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