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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 and include but aren't limited to:

  • 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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