Does PayPal cover my purchase if there's a problem? (Purchase Protection for buyers)

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.

To open a dispute, go to your Resolution Center and click Report a Problem. The Resolution Center is only accessible on a web browser, not the PayPal app.  

In a dispute, you can exchange messages in the Resolution Center with the seller to try to solve the problem. If you’re unable to settle the dispute, you can escalate it to a claim. By escalating it 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.  

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