Relationship between Buyer Complaint Policy and Credit Card Chargeback Rights. If you used a credit card to fund a purchase of goods or services through PayPal, you may have chargeback rights granted by your credit card issuer. Credit card chargebacks, if they apply, can be filed more than 45 days after the transaction, are not limited to funds in the seller’s balance, and cover cases where the goods are not as described by the seller as well as cases of non-delivery.
You can choose to pursue the Buyer Complaint process or your credit card chargeback rights; however, you cannot pursue both at the same time or seek a double recovery. If you initiate a Buyer Complaint claim and, while the claim is pending, you file a credit card chargeback, PayPal will cancel your Buyer Complaint claim, and you will have to rely solely on your credit card chargeback rights.
If you cancel your Buyer Complaint claim or it is denied or results in no refund, you may still be able to pursue credit card chargeback rights. In many cases, your credit card company will allow you to file a chargeback for 90 days or more after the date of the payment. If PayPal resolves a Buyer Complaint claim in the buyer’s favor but the buyer does not receive a full recovery of their payment, and if the time for processing of the claim results in the buyer’s loss of credit card chargeback rights, then PayPal will provide a full recovery to the buyer.
PayPal encourages all buyer purchase disputes that cannot be resolved directly with the seller to be filed and resolved through the Resolution Center. PayPal reserves the right to terminate or limit account access privileges of buyers who misuse the credit card chargeback process to get their money back and keep the goods, or to recover payment twice for the same dispute, or who file three or more chargebacks per 12-month period that are ruled invalid by the applicable card association or card issuer. PayPal reserves the right to contest credit card chargebacks, in accordance with the rules of the applicable card issuer or card association.
If a chargeback claim is initiated by a buyer, whether as a result of a dispute with the seller or for any other reason, the buyer and seller agree to provide to any requesting party on a timely basis any and all necessary documentation to resolve the dispute. PayPal DOES NOT act as the agent of either party in any transaction or resulting dispute, though PayPal does decide the outcome of disputes initiated through the Buyer Complaint process.
