For these qualifying purchases, PayPal will cover you for the full amount of the item plus original shipping costs if you do not receive the item or if you receive an item but it is significantly different than the description the seller provided.
To receive reimbursement for items that are significantly not as described, you will be required to return the item to the seller, or in some cases to PayPal, and to pay the return shipping costs.
PayPal Purchase Protection is not available for personal payments and other ineligible purchases. To be eligible for PayPal Purchase Protection, you must file a Dispute in the PayPal Resolution Center within days of the date you sent the payment, escalate the Dispute to a Claim within 20 days of the date you filed the Dispute, and meet the eligibility criteria as listed in the PayPal User Agreement. You may not pursue both at the same time or seek a double recovery.
If you have an open Dispute or Claim with PayPal, and also file a chargeback with your credit card company, PayPal will close your Dispute or Claim, and you will have to rely solely on your chargeback rights. If you pursue a Claim with PayPal and if you do not receive a full recovery, you can then file a chargeback.
Credit card companies must abide by these statutory guidelines, including but not limited to the following: If a consumer claims a "billing error" because an item is not received or is refused at the time of delivery, the card issuer is obliged to investigate, resolve, and to correct written claims filed by the consumer within 60 days of receipt of the applicable credit card statement.
You should contact your credit card issuer to learn more about your rights and remedies. Debit Card Protection Your debit card issuer is not required by law to provide you with protection against items that you do not receive or that are significantly not as described. Many debit card issuers voluntarily provide protection similar to the chargeback rights provided by credit card issuers.
If we process your debit card through an ATM debit network, we may provide you with the opportunity to switch to a Visa or Mastercard network by clicking the "Funding Sources" link on the payment confirmation page. You should contact your debit card issuer to learn more about your rights and remedies if you pay with your debit card. Bank Account Protection Your bank is not required by law to provide you with protection against items that you pay for with a bank transfer but that you do not receive or that are significantly not as described.
You should contact your bank to determine if they voluntarily provide any purchase protection. Learn more and manage your cookies Yes, Accept Cookies. They review and confirm payment details in a secure pop-up window on your website. PayPal passes customer contact and shipping details to you so buyers can check out without needing to complete forms on your site. Businesses have seen a lift in their PayPal sales when they offer Store Cash via email and in-app.
PayPal sends an email on your behalf featuring the Store Cash. It works in addition to your existing marketing tools. Plus, you pay only when you complete a sale. Shoppers find Store Cash in their PayPal wallet. The amount is applied automatically to any sales in your online store when shoppers checkout with PayPal. We'll provide a dashboard to help you easily track the number of Store Cash offers redeemed and sales recovered in real time.
Set your budget and select a dollar amount you want to offer to each customer. PayPal sends an email on your behalf to abandoned shoppers to let them know they have a Store Cash offer from your site. Store Cash is automatically applied when the shopper revisits your site and check outs with PayPal during the offer period.
No setup and no monthly fees—you pay only when you get paid. Funds transfer to your PayPal Business account usually within minutes. Learn more about our fees. Integrating PayPal Checkout requires development skills. If you have a developer, you can share our documentation with them. Already have an ecommerce website?
One notable exception when it comes to these kinds of fees: a feature from American Express called AmEx Send. It does indeed let you use an eligible American Express card to send money to any PayPal customer without paying the transaction fees that normally apply to credit card payments. However, AmEx Send transactions aren't eligible to earn rewards. Terms apply. So the fee will more than wipe out the value of the rewards you earn.
This card gives you 2 miles per dollar spent, and miles are generally worth 1 cent. So, as a general rule, it's not worth putting PayPal money transfers on a credit card just for the points. There's one noteworthy exception to this rule, though. In these instances, you can come out ahead on transfers — but even then, your benefit is limited.
Purchases are different. After all, your credit card earns rewards—Why not earn additional cash back or transferable points when sending money? Generally, the fees PayPal charges to send money to another person using a credit card are greater than the rewards you will earn, making it unattractive to use a credit card to send person-to-person money transfers through PayPal.
There are some exceptions to this, but banks are also changing the way these transactions are processed, which might subject you to additional fees. Read on for more details. PayPal checkout is integrated onto many websites and many smaller merchants use PayPal to invoice and accept payment for goods and services.
Those types of transactions have a separate fee structure and are processed differently than person-to-person transactions. This article specifically covers using PayPal to send money to another person, not to pay for a purchase.
One of the biggest drawbacks of using a credit card to send money to another person using PayPal is the processing fee. PayPal charges 2. This fee can quickly eclipse any credit card rewards you might earn.
PayPal does not charge this fee for person-to-person money transfers using either your existing PayPal balance or a money transfer from your checking account.
Despite the fee PayPal charges, there are a few cases where you could come out ahead after the credit card fee. Both of these cards have historically included PayPal in the bonus cash back offering. If you have recently applied for a credit card that offers a welcome bonus after a certain amount of required spending, it might make sense to use PayPal to send money to another person using a credit card.
In , the New York Times reported on a change in the way that money transfer transactions are coded and processed through Visa and Mastercard. This change means that banks can now charge cash advance fees for things like person-to-person money transfers through services like PayPal and Venmo. Since this change has been implemented, some credit card users have reported being charged a cash advance fee when sending money using PayPal. In addition, Chase has been reported to be sending notices to existing cardmembers updating their terms and conditions to include person-to-person money transfers in the list of transaction types where they charge a cash advance fee.
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