Does PayPal Refund Money if Scammed

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Does PayPal Refund Money If Scammed? Yes, Here's How

PayPal is one of the most popular money transfer services on the internet. With more than 300 million active users worldwide, this company hardly needs an introduction, but its popularity doesn’t come without a price.

Wherever there’s money, there are scammers, and considering how easy it is to use PayPal, it’s a matter of time before someone sends a payment for an item that never arrives. Knowing what you and PayPal can do in such cases is of utmost importance.

PayPal Refund Policy

This online financial giant has multiple sets of policies governing refunds and chargebacks, and it might be overwhelming to explore them all. We will go through the most relevant regulations that can be handy if you get scammed after initiating a PayPal transfer.

The most useful PayPal refund tools designed for scammed buyers include:

  • 180-Day Refund Policy
  • Purchase Protection
  • Chargebacks

180-Day Refund Policy Explained

If you paid for something via PayPal, but the item never arrived, or you suspect fraud, you can cancel the payment on your own. This option will be available as long as the transaction is in the Pending status. In such cases, you can stop it from your Activity page by hitting Cancel next to the item in question. In case the payment is pending for more than 30 days, the amount will be automatically refunded to your account.

Most payments are processed fast, so this option might not be available when you need it. In those situations, PayPal recommends contacting the seller directly and requesting a refund from them. You should find the seller’s contact email when you open the problematic transaction on the Summary page.

While this method might not be particularly useful if you’re dealing with scammers, it’s worth trying. You will have proof you had exhausted all options before escalating the issue further.

PayPal allows you to dispute your payments and submit a refund request up to 180 days from the moment of purchase.

PayPal’s Purchase Protection

PayPal’s refund policy is a part of its buyer’s safety guarantee, which refers to personal information security, fraud protection, and dispute resolution. The policy is especially useful if you deal with scammers.

PayPal’s Purchase Protection claims that the buyers are protected if:

  • They notice charges on their account that they didn’t make
  • They never receive the item they purchased
  • They receive the order, but the items are notably different from the expected

In such cases, PayPal guarantees that you will receive full reimbursement, including any shipping costs. You must file a dispute within the mentioned 180-day period, or within 60 days, in the case of unauthorized charges.

Multiple transactions and items are not included in PayPal’s Purchase Protection program:

  • Prepaid cards
  • Motorized vehicles
  • Real estate
  • Items that go against PayPal’s policies
  • Purchases made in person
  • Money transfers to friends and family members
  • Donations
  • Industrial machinery
  • Custom-made items that don’t match the description
  • Items that look the same as described by the seller

Securing a PayPal Scam Refund by Opening a Dispute

If you contacted the seller with no success, your next step would be to file a dispute through PayPal’s Resolution Center. The process involves the following steps:

  1. Open the Resolution Center page in a web browser
  2. Log in with your PayPal credentials
  3. Click on Report a Problem
  4. Select the problematic transaction and hit Continue
  5. Choose the reason most appropriate for your claim
  6. Submit the dispute

Opening disputes is currently possible only on PayPal's website and not in the app. If the seller is unresponsive after 20 days, you can escalate the issue to a claim and ask PayPal to step in. This is also done through the Resolution Center, and once you go through with it, PayPal will investigate and has up to 30 days to decide whether you will get your money back.

Chargebacks as a Method for Ensuring PayPal Scam Refunds

Chargebacks are a great tool to use if you fall for a scam and send a PayPal payment using your connected credit card. While PayPal works closely with your card issuer to resolve the problem you encountered, chargebacks fall outside of PayPal’s domain and policies. When PayPal receives a chargeback request from the credit card company, they freeze the said amount in the seller’s account until the issue is resolved.

Chargebacks are usually initiated when the buyer doesn’t receive an item they paid for, or it arrives damaged, defective, or significantly different from what was described. Other reasons include:

  • Charges that the buyer doesn’t recognize or deems fraudulent
  • Charges with billing errors, including wrong dates and amounts
  • Duplicate charges

If you want to start a chargeback process with your bank or the card issuer, you can do it over the phone, by sending an email or a dispute letter, or occasionally on the bank’s website. Deadlines for submitting your dispute depend on card types, but most issuers require you to initiate the process within 60 days from the moment the questionable charge appears on your statement.

Get Your Refund With DoNotPay

Before we proceed with the most efficient way for requesting refunds, here’s the overview of your options mentioned above:

Can you request a refund via

Yes / No










DoNotPay is the best bet for getting your money back if you ever fall for a scam. Our methods are based on the Fair Credit Billing Act of 1974, which allows disputing credit card charges within 60 days from the purchase.

Using our app is a piece of cake. You don’t need to be familiar with fancy vocabulary or technology. The only requirement is to set up your account in a . When you log in, follow these steps:

  1. Select File a Chargeback
  2. Answer some questions about your bank
  3. Provide details about the charge you need to dispute
  4. Confirm your personal information and submit your claim

Our service will send the dispute letter to your bank right away. DoNotPay can also supplement your claim with relevant Visa and MasterCard codes and regulations, if necessary.

DoNotPay Can Help you Get a Refund for Various Services

Don't you just hate it when you buy a product or service and realize it's not to your liking? Your money doesn't need to be wasted like that. With the help of DoNotPay, you can request a refund from any company, even the ones that officially offer no refunds, in just a couple of minutes. All you need to do is provide our chatbot with the necessary information, and we will fax a refund request to your bank. We can also contact the service provider for you and ask them to refund your payment. We can help you request a refund from:

DoNotPay Protects Your Privacy and Finances

Sharing your credit card details online comes with certain risks, and it’s getting more difficult to tell good and bad websites apart. With DoNotPay’s virtual credit card generator, you will be able to protect your identity and bank account from cyber scammers.

Whenever you run into a suspicious email or website, generate a virtual credit card and proceed without worries. Our virtual cards also work like a charm if you want to avoid automatic payments after free trials.

Try DoNotPay When You Need to Fight Other Administrative Issues

With our groundbreaking AI assistant, solutions to various bureaucratic nuisances are only a few clicks or taps away. You will save some time and energy on paperwork, but more importantly, you can cut expenses. DoNotPay helps with refunds from companies as diverse as Netflix and Groupon or ensures you get compensated for airplane tickets you didn’t use.

For those who want to try any service’s free trial, but don’t want to get charged later, DoNotPay offers virtual credit cards. They will work perfectly at the sign-up, but once the free trial expires, you won’t have to pay anything since our cards are not connected to your bank account!

Do you need to get rid of PayPal spam emails? Could you use a hand with lowering your bills or protecting yourself from cyberstalking? You can turn to your pocket-sized lawyer bot.

Access DoNotPay from any . We can show you how to:

Frequently Asked Questions

Do I Qualify for PayPal's Purchase Protection?

You are protected by PayPal if you were charged for something you didn't purchase, your order never arrives, or the arrived order significantly differs from its description.

What Does PayPal's Purchase Protection Do?

PayPal will reimburse you for the full purchase price and any original shipping costs if you qualify for PayPal Purchase Protection for buyers.

Can I get scammed on PayPal?

It is generally safe to use PayPal, however, beware of PayPal scams, such as receiving an invoice or money request for a product you never purchased.

Is PayPal safe?

PayPal is generally one of the safest ways to receive and send money online. The platform offers seller protection, meaning when you get paid through PayPal, you are covered for eligible claims, chargebacks, and reversals.

How to contact PayPal's customer service?

You can reach PayPal's customer service and talk to a live person by calling 1 (877) 569-1116.

What can I do if I get scammed on PayPal?

Contact PayPal immediately by reporting to their Security Center. You can also call 1 (877) 569-1116 to report a scammer.

Can you get scammed on PayPal when receiving money?

You should not spend unsolicited deposits to your PayPal account. If the person who transferred you money reports unauthorized activity, the money will be withdrawn.

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