How to Request a PayPal Chargeback

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Request a PayPal Chargeback With DoNotPay?

PayPal is one of the most popular payment methods for online shopping. The popularity stems in part due to its integration with eBay and partly because it's just convenient. You have all your information stored in one place. You only need an email address and your real or virtual credit card to start shopping.

What Is PayPal Chargeback Policy?

Paypal has an array of processes that unsatisfied customers can use to get their money back from the merchant.

  • You can file a dispute, meaning to contact the seller through PayPal’s Resolution Center and try to work together to resolve the issue. This is one of the paths to get a refund on PayPal
  • If the merchant refuses to cooperate and offers you no refund, you can escalate your dispute to a claim, also through PayPal's Resolution Center. PayPal will then determine how to resolve the situation
  • You can initiate a chargeback by contacting your bank to reverse the transaction. This happens outside of PayPal, and they do not influence the outcome

When Should I Initiate a Chargeback on a PayPal Transaction With My Credit Card Company?

If you made a purchase using PayPal as your payment method, it is advisable to try to resolve an issue with the merchant before initiating a chargeback. Within their Help Center, PayPal offers you two options to do that—initiate a dispute and escalate it to a claim.

These allow you to try to get your money back through the PayPal platform, by directly communicating with the merchant and without involving the bank.

If these attempts fail, you can go directly to your bank and ask them to reverse a transaction that has already been approved.

Common reasons you might want to initiate a chargeback could include:

  • You did not receive your item, but you did pay for it
  • You did receive an item, but it is not as described
  • The item was delivered, but it is damaged or non-functional
  • You see charges on your credit card not made by you
  • Billing errors, such as wrong date or amount on the transaction

Everything You Need to Know About Filing a Credit Card Chargeback for PayPal Transaction

To initiate a chargeback, you have to contact your credit card issuer or your bank. The details of the process depend on the internal policies each bank has.

The important part is to look into deadlines for filing a chargeback, which are usually 60 days from the date the transaction in question took place.

There are generally three main routes you can take to file for a chargeback:

  1. Making a phone call
  2. Sending a dispute letter
  3. Accessing the website of the bank

How to File a Chargeback on PayPal Transaction Over the Phone?

If your bank has this option, you can probably find their contact number on their website. Once you do that, make sure to prepare the following information:

  1. Your name, ID number and contact info
  2. Your account and credit card information
  3. Info related to the transaction in question—the dates, amount, and the details of the merchant

The representative from the bank will guide you through the process, explain the further procedure, and let you know when you can expect a response on your chargeback request.

How to File a PayPal Chargeback by Sending a Dispute Letter?

If this is an option with your bank, you will find the address you can send your letter to on their website.

Here are the things you should include:

  • Any form or document that is requested specifically by your bank
  • Proof that you have tried to contact the merchant and resolve the issue—these could be copies of your dispute and claim from PayPal resolution center
  • The Dispute Letter itself which should consist of elements such as your contact info, your credit card info, details of the transaction, description of the problem, and information on the merchant

How to Request a PayPal Chargeback Through Your Bank's Website?

Some banks offer their online banking customers an opportunity to request a chargeback through their online account.

The steps depend on the bank, but once completed, you can expect to get a response via email or a phone call.

How Long Does PayPal Chargeback Take?

According to PayPal policy, you are eligible for chargebacks on PayPal transactions for up to 120 days within making the transaction. Exact deadlines depend on your bank, so you should check with them first.

Chargebacks and refunds on PayPal usually take weeks to process, but depending on the case, it can take over three months.

What Is the Fastest Way to Get a Chargeback With Paypal Transactions? DoNotPay Will Help You!

If you are not happy with your purchase and are not able to solve the problem through PayPal, you can use DoNotPay to get your money back fast and easy. We do all the hard work—contact your bank, send them a dispute letter, and provide them with the info of the merchant.

Our app can contact the merchant as well, and send them a refund request, which can help to build up your case.

Here is how to do it in just a few clicks:

  1. Open DoNotPay in your
  2. Pick the File a Chargeback option
  3. Give your bank details to our chatbot
  4. Input the name of the merchant

That is all! Confirm all the details with our chatbot, and DoNotPay will take over everything else.

Can You Request a Chargeback Via




Usually not

With most banks, this is an option

Dispute Letter



The Merchant Did You Wrong? Use DoNotPay to Send Demand Letters To Them!

If you don't want your case to end with filing for a chargeback and think you have enough evidence, you can file a lawsuit.

DoNotPay can help you send demand letters to any company in small claims court and get up to $25,000!

Access DoNotPay from your and follow the chatbot's instructions to prepare your case.

DoNotPay can help you to:

  1. Create a demand letter
  2. Fill out the court forms
  3. Serve the merchant
  4. Prepare for your court appearance

Creating a Demand Letter

Once you answer our chatbot's questions, the app will prepare a demand letter tailored especially to your case. Once the letter is generated, you can send it to the merchant.

Fill Out Court Forms

Each case is different, so the forms required to file a lawsuit vary as well. Provide our chatbot with the necessary info related to your claim, and DoNotPay will not only generate forms but fill them out for you as well.

You will also get the forms in the number of copies required by your local small claims court.

Serving the Merchant

Rules on how to serve the merchant are different for every jurisdiction. DoNotPay will present you with precise guidelines on how to do this step.

Prepare for Your Court Appearance

This can be complicated since you will be asked to speak in court, so DoNotPay will create a script designed to help you present your case. The script will also include a list of evidence and guidelines on what to do if the defendant doesn't show up in court.

DoNotPay—Other Amazing Options!

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You can access DoNotPay from your and get help with:

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