paypal friends and family buyer protection

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To be fair, though, credit and debit card chargeback schemes may also reject a claim on this basis. Seeing this, the company may decline your claim, even if you never actually received the item, which is something that would be difficult for you to prove. Your quest for compensation with an 'Item not received' claim can run into trouble if the seller can provide PayPal with proof of shipment or delivery Your quest for compensation with an 'Item not received' claim, for example, can run into trouble if the seller can provide PayPal with proof of shipment or delivery. It is worth noting, though, that there are a few provisions in the policy's terms and conditions that can upset your attempts to get your money back.

In the past, CHOICE has heard from PayPal users who've been put through the ringer looking for a remedy, but recent reports from members of the CHOICE Community suggest many users are finding the Buyer Protection process easy and accessible. You also have to have spent less than $20,000 on buying the item and having it shipped to you. To be eligible for Buyer Protection, you have to have paid for your purchase through PayPal and have your account on the platform in good standing (meaning you have no ongoing disputes).

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There are no fees for Buyer Protection, but as the scheme only covers what you paid for the item, plus what you paid to have it delivered to you, you may have to cover the cost of shipping the item back to the seller out of your own pocket during the resolution process. There is no cover for purchases of used or second-hand goods that were advertised as such and picked up by you in person or personally delivered to you. The item must be shipped by the seller to you. Does it cover second-hand purchases from Gumtree or Facebook Marketplace? No, payments sent using PayPal's friends and family option and guest checkout payments are not eligible for any sort of Buyer Protection. Read laptops and tablets review Is there Buyer Protection for PayPal friends and family?

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Other items that are not covered by PayPal Buyer Protection are:įor a full list of exclusions, read Buyer Protection's terms and conditions. Purchases over $20,000 and claims not made within 180 days of payment or already resolved by a third party (such as your credit or debit card provider) are also not covered.

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Although instances where you paid in person using a PayPal QR code are covered. In the case of 'Item not received' claims, there is no cover for items that you collect in person or arrange to be collected on your behalf, including items bought in the seller's physical store.

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This covers physical products you bought online and what PayPal calls 'intangible items' – products like downloadable software and tickets.

a 'Significantly not as described' claim, when you receive an item, but it's damaged, incomplete or is very different to what the seller promised.

an 'Item not received' claim, when you didn't receive what you bought.

PayPal says its policy can apply in two scenarios: It sounds like the company is offering the kind of risk-free online shopping we've all dreamt of – but beware of the scheme's limits: its protection isn't necessarily any better than what's offered by your credit or debit card through chargebacks.

Read electronics stores review What is PayPal Buyer Protection?īuyer Protection is a refund scheme that promises to pay you back for purchases that go wrong (including delivery costs) up to the value of $20,000 – a safety net PayPal says will help you 'shop with confidence'.