62 of 145 cards in Charges & Financial Obligations
Charges & Financial Obligations · User right or choice
Linking payment methods and debit card integration
Users can link or unlink credit cards, debit cards, bank accounts, or PayPal Credit; Balance accounts and PayPal Debit Cards serve as funding sources for checkouts and payments.
Supporting quotations
You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. If you open a Balance Account, it will be linked to your personal account as a payment method, and you can unlink the Balance Account by withdrawing all funds and closing it.
Charges & Financial Obligations · Restriction or exception
Broad authorization to charge linked payment methods
Linking a payment method authorizes PayPal to charge it for fund additions, purchases, money transfers, error adjustments, dispute claims, and any amounts owed to PayPal.
Supporting quotations
By linking a payment method to your PayPal account, as described in the section Link or Unlink a Payment Method, you authorize PayPal to charge such linked payment method (a) whenever you choose such linked payment method to add funds to your PayPal Balance account or PayPal business account balance, send money using PayPal, or purchase something using PayPal, (b) in connection with any errors, claims, or disputes, and (c) for amounts you owe to PayPal.
Qualifications & exceptions
Extends to errors, claims, disputes, and owed debts
Unless expressly stated otherwise, all references to funds in the agreement strictly denote sovereign fiat money, excluding cryptocurrency and other non-fiat digital assets.
Supporting quotations
Unless otherwise expressly stated, all references to "funds" in this user agreement mean money denominated in sovereign currency and not cryptocurrency or any other form of asset.
Qualifications & exceptions
Strictly fiat currency, excludes cryptocurrency
purpose: financial_definition
Charges & Financial Obligations · User right or choice
Balance Account creation for holding funds and personal transfers
Users can open a linked Balance Account to hold funds, make purchases, and send personal transactions to friends and family members.
Supporting quotations
open a Balance Account to hold and use the money as a balance in your Balance Account for purchases or to send personal transactions to friends and family members. A Balance Account is separate account from your personal account.
Qualifications & exceptions
Separate account linked to personal account
data: account_data · purpose: payment_processing
Charges & Financial Obligations · User right or choice
Holding balances in multiple foreign currencies
Balances in business accounts or linked Balance Accounts may be held in supported sovereign currencies other than U.S. dollars.
Supporting quotations
Your balance in your business account or in your Balance Account, if you have one, may be held in currencies other than U.S. dollars.
Qualifications & exceptions
Multi-currency holding permitted in business and Balance Accounts
Charges & Financial Obligations · Restriction or exception
Mandatory USD withdrawal rule and currency conversion spread fee
Funds may only be withdrawn in U.S. dollars; withdrawing funds held in foreign currency requires conversion to USD using PayPal's conversion rate and spread.
Supporting quotations
You may only withdraw the funds in U.S. dollars. In order to withdraw funds in your account held in another currency you will have to convert the currency to U.S. dollars, or it will be converted for you at the time of your withdrawal. PayPal’s currency conversion rate, including our currency conversion spread, will be used.
Charges & Financial Obligations · Restriction or exception
Merchant billing agreements and preauthorized recurring charges
Storing PayPal with a seller establishes an agreement authorizing the seller to request one-time, sporadic, or recurring preauthorized charges via billing agreements or subscriptions.
Supporting quotations
When you store PayPal as a payment method with a specific seller, you agree with the seller that they can use PayPal to request payment for future transactions between you and the seller. The agreement between you and the seller may allow you to authorize and schedule a payment to the seller in advance on a one-time, sporadic, or recurring basis. Examples of automatic payments that can be arranged by you with a seller include those that PayPal calls a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized transfer"; or "preapproved payment."
Qualifications & exceptions
Authorizes advance charges under merchant billing agreement
data: payment_info · purpose: recurring_billing
Charges & Financial Obligations · User right or choice
Three business days cancellation requirement for recurring payments
Personal-account users can cancel recurring automatic payments through settings, the Help Center or phone at least three Business Days before the next transfer. If PayPal receives that timely stop request and fails to stop payment, it is liable for resulting losses or damages.
Supporting quotations
If you have a personal account, you may cancel a recurring automatic payment 3 Business Days or more before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center, or by calling PayPal at (888) 221-1161. If you order us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Qualifications & exceptions
At least three Business Days before the transfer.
PayPal accepts liability for failing to honor a timely stop request.
Charges & Financial Obligations · User right or choice
Purchase Protection coverage and discretionary eligibility
Qualifying buyer purchases may be eligible for reimbursement covering the full purchase price and original shipping costs, determined at PayPal's sole discretion.
Supporting quotations
When you purchase something from a seller who accepts PayPal, you may be eligible for a refund under PayPal’s Purchase Protection program.
Qualifications & exceptions
Eligibility determined at PayPal's sole discretion
Withdrawal of unrestricted funds upon involuntary account closure
If PayPal closes an account or terminates services, it will notify the user and make unrestricted funds available for withdrawal.
Supporting quotations
If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Balance Account linked to your personal account or in the balance of your business account, or any money waiting to be claimed through your personal account if you do not have a Balance Account linked to your personal account, available for withdrawal.
Charges & Financial Obligations · Restriction or exception
User liability for chargebacks, reversals, and regulatory fines
You are responsible for reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, customers or third parties caused by your agreement breach and/or use of PayPal services.
Supporting quotations
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services.
Charges & Financial Obligations · Restriction or exception
Account and transaction-level holds, limitations, and reserves
PayPal may impose account or transaction holds, limitations and reserves to protect its network and manage risk. It generally promises notice unless otherwise stated; these measures may restrict transfers involving PayPal Savings.
Supporting quotations
Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the [Resolution Center](https://www.paypal.com/us/disputes/?locale.x=en_US) or follow the instructions in our email notice with respect to the limitation, hold or reserve.
Charges & Financial Obligations · Restriction or exception
Seller payment holds during reversal or invalidation disputes
PayPal may place temporary holds on funds in a seller's account if a payment sent to the seller is challenged, invalidated, or subject to reversal.
Supporting quotations
If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed.
Qualifications & exceptions
Temporary hold during payment dispute investigation
Errors include incorrect credits or debits, transaction records, missing or misidentified statement entries and calculation errors. Required receipt or statement requests, transfer clarification, preauthorized-transfer information and pending-transfer inquiries can also count; duplicate records requested for tax or recordkeeping are excluded.
Supporting quotations
incorrectly taken
missing from or not properly identified
including a request you make to determine whether an error has occurred.
unless the request is for a duplicate copy for tax or other record-keeping purposes.
Charges & Financial Obligations · Restriction or exception
Grant of security interest and lien on account funds
Users grant PayPal a security interest and lien on all funds held in their PayPal account to secure performance of their contractual obligations.
Supporting quotations
As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account.
Qualifications & exceptions
Lien and security interest created on all account balances
Charges & Financial Obligations · Restriction or exception
Setoff rights across accounts and recovery of negative balances
Negative balances represent a debt owed to PayPal; PayPal may deduct owed amounts from subsequent deposits or set off negative balances against any other linked account.
Supporting quotations
If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account(s), including a Balance Account. If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction.
Qualifications & exceptions
Permits setoff across multiple accounts and future deposits
data: financial_data · purpose: debt_collection
Charges & Financial Obligations · Company practice
PayPal may refresh and verify linked payment details
PayPal may update payment details using third-party information; unlink the method to prevent updates. Card verification charges $1.95 then promptly refunds it after confirmation. Manual bank verification uses two deposits under $1 each and a matching combined debit.
Supporting quotations
we may update it using information and third-party sources available to us
$1.95 U.S. dollars
two small deposits
Charges & Financial Obligations · Permission or license
Checkout authorization covers revised totals and backup charges
A purchase or donation authorizes the checkout amount and applicable fees on the selected or backup method. Post-checkout revisions, such as shipping changes or split orders, may change that charge. Automatic payments may charge a backup method for any uncovered remainder.
Supporting quotations
you authorize PayPal to charge the selected or backup payment method for the revised amount
you then authorize PayPal to charge the remaining amount due
Charges & Financial Obligations · User right or choice
Unlinking a method revokes only future transaction authority
Unlinking a payment method ends authority for transactions initiated afterward. It does not stop previously authorized charges, retries, backup charges or related errors and disputes. A pending seller transaction may prevent unlinking until completion.
Supporting quotations
Such revocation only applies to transactions that are initiated, by you or by a seller, after you unlink the payment method.
Charges & Financial Obligations · Context
Personal balances require a separate Balance Account
Money cannot be held as a balance in the personal account itself. It can be held in a linked Balance Account or withdrawn through available routes; a standard transfer to an eligible bank or debit card is free, while instant transfers carry disclosed fees.
Supporting quotations
cannot be held as a balance in your personal account.
for free
subject to the fees applicable to such transfers
Charges & Financial Obligations · Company practice
Paper withdrawals carry a fee and a 180-day cashing deadline
Checks for personal accounts without a Balance Account and for business accounts carry a nonrefundable $1.50 fee. Cash the check within 180 days or the funds return to the relevant balance or are held for you, with the fee retained. Checks go only to confirmed addresses, not PO boxes.
Supporting quotations
you must cash it within 180 days of the date of issuance
retain the non-refundable fee of $1.50 U.S. dollars.
Charges & Financial Obligations · Company practice
PayPal balances generally earn no interest and are unsecured claims
PayPal pools eligible non-bank-held funds in permitted liquid investments, keeps the earnings, and gives users no ownership in those investments. The pooled money is separated from corporate funds and is not used for operating expenses or voluntarily offered to creditors, but balances represent unsecured claims against PayPal. Users receive no interest.
Supporting quotations
You will not receive any interest or other return on the funds held with PayPal.
unsecured claims against PayPal.
Charges & Financial Obligations · Context
FDIC coverage is conditional and protects against a program bank failing
Qualifying US-dollar Balance funds linked to a debit card, direct deposit or crypto account, and eligible business-account funds linked to crypto, are placed at Program Banks and may receive pass-through FDIC protection subject to conditions and limits. It protects against a bank’s failure, not PayPal’s. PayPal is not a bank or FDIC-insured; other balances and crypto are not insured bank deposits.
Supporting quotations
FDIC insurance protects against the failure
not the failure of PayPal.
Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits.
Charges & Financial Obligations · Context
Savings is a separate bank account accessed through PayPal Balance
PayPal Savings is supplied by Synchrony Bank and requires a Balance Account. It cannot directly fund purchases or personal transfers; deposits and withdrawals pass through the PayPal balance under authorized instructions. Cryptocurrency services instead come from PayPal Digital, Inc. under separate terms.
Supporting quotations
PayPal Savings is a deposit account provided by Synchrony Bank
does not act as a payment method
Cryptocurrency services and accounts are provided by PayPal Digital, Inc.
Charges & Financial Obligations · Restriction or exception
Business top-ups and routing-number payments have limits
Eligible business accounts can use linked transfers, cash-at-store or check-cashing options subject to availability, fees and transaction limits. Check-cashing is unavailable with a negative balance. Assigned bank and routing numbers serve business transactions, may settle after a delay, and have transaction limits; merchant-scheduled payments are managed through that merchant.
Supporting quotations
Cash a Check is not available if you have a negative balance
there may be some delay
Management of any scheduled payments, including cancellation, can be done through the merchant
Charges & Financial Obligations · Company practice
Withdrawals may be delayed or limited for risk checks
PayPal may delay withdrawals for authorization or reversal concerns, and account holds, limitations or negative balances can require the user to restart withdrawal once resolved. Verification may increase withdrawal limits but does not guarantee an increase.
Supporting quotations
you will have to reinitiate the withdrawal
may allow us to increase your withdrawal limit
Charges & Financial Obligations · Company practice
Currency conversion uses PayPal’s rate and retained spread
PayPal sets and regularly adjusts its exchange rate, including a spread it retains. It may convert other-currency balances to cover payments or require conversion to receive certain currencies, and may limit conversions. Offline processing or holds can change the rate applied, favorably or unfavorably.
Supporting quotations
includes a currency conversion spread applied and retained by us
at the time the payment transaction is processed by the seller.
may be more favorable or less favorable to you.
Charges & Financial Obligations · Restriction or exception
Speculative currency trading is prohibited
Users bear multicurrency risks and cannot use balances for speculative currency trading, arbitrage or other activity PayPal determines primarily seeks gains from conversion rates. PayPal may hold, cancel or reverse violating transactions.
Supporting quotations
You may not manage or convert multiple currencies for speculative trading purposes
Charges & Financial Obligations · User right or choice
Some card payments allow a choice of conversion provider
Using a card generally authorizes PayPal conversion when necessary, but a card issuer or network may allow issuer conversion instead, at its rates and fees. PayPal converts balance or bank-funded payments; Mastercard converts PayPal Debit Card payments except checkout and Send Money payments, which PayPal converts.
Supporting quotations
You may have the right to have your card issuer perform the currency conversion
except for PayPal Debit Card transactions in PayPal checkout or when using the Send Money feature
Charges & Financial Obligations · Restriction or exception
Fees exclude taxes and users handle their transaction taxes
Users owe legally applicable taxes on PayPal fees and must determine, collect, report and remit taxes on their own transactions. Legally required withholding does not reduce the amount PayPal is entitled to receive. PayPal may report processed transactions to tax authorities.
Supporting quotations
exclusive of any taxes
the amount payable by you to PayPal shall not be decreased by the amount withheld.
assess, collect, report, and remit the correct taxes
Charges & Financial Obligations · Company practice
Unclaimed or declined personal payments are refunded
A recipient without an eligible account can open one to claim a personal payment; otherwise it is refunded. Declined payments include a refund of charged fees, ordinarily to the original method; unavailable bank refunds go to a balance or remain available to claim. PayPal may limit the amount sent.
Supporting quotations
If they don’t claim it, it will be refunded to you.
including any fees you were charged
impose limits on the amount of money you can send
Charges & Financial Obligations · Context
Payment purpose affects fees and protection
Goods and services must be paid as commercial transactions, not friends-and-family payments. Commercial Send Money normally charges the seller; business payments to recipients without PayPal use Bill Pay for Business Accounts, charging the sender. Personal-transfer fees are shown in advance, and card issuers may charge cash-advance fees.
Supporting quotations
You must not send money as a personal transaction
you will pay the applicable
cash-advance fee
Charges & Financial Obligations · Company practice
Seller payments can remain pending for up to 30 days
A seller without an account must open one within 30 days or the purchase is refunded. Some sellers have up to 30 days to complete an authorized payment; card holds may appear and the conversion rate can be the rate at processing. Available methods may be limited for risk or seller reasons.
Supporting quotations
within 30 days, your purchase will be refunded.
but no longer than 30 days
may limit the payment methods available
Charges & Financial Obligations · Context
Purchase and donation fees have currency and business-payment exceptions
PayPal ordinarily charges buyers no fee for purchases or donations, but conversion spreads and card-issuer foreign fees can apply. PayPal Business Payments can charge the buyer when the seller discloses that fee.
Supporting quotations
you don't pay a fee to PayPal.
the seller discloses to you that you, as the buyer, must pay the fee.
Charges & Financial Obligations · Company practice
Risk review can delay delivery or cancel a transaction
PayPal may hold a high-risk payment and tell the seller to delay shipment. Clearance permits shipment; otherwise PayPal cancels and returns the funds unless law requires another action.
Supporting quotations
unless we are legally required to take other action.
Charges & Financial Obligations · Restriction or exception
Stopping automatic payments does not erase debts to the seller
Canceling automatic authorization stops future automatic payments under that agreement, but payment for already authorized purchases or other unpaid goods and services may still be owed.
Supporting quotations
you may still owe the seller money
Charges & Financial Obligations · Company practice
Refund destinations depend on the original payment method
Online purchase refunds typically return to the original card, PayPal Credit or balance. Bank refunds are attempted to the bank, with balance or claimable-fund fallbacks. In-store refunds return to the PayPal balance or become claimable; reward-funded refunds are dollar amounts and may not restore reward points.
Supporting quotations
typically be refunded to the original payment method
the money will be waiting for you to claim
your issuer may or may not credit your purchase back to your reward balance.
Charges & Financial Obligations · Company practice
Refund exchange rates can differ after one day
If PayPal converted the payment, a refund within one day uses the original exchange rate including spread; later refunds use the rate on the refund date. Refund currency is the payment currency where possible, then the primary holding currency, then US dollars.
Supporting quotations
Within 1 day
on the date of the refund will apply.
then in U.S. dollars.
Charges & Financial Obligations · Company practice
A one-time method can become the future preference
Preferences can differ for online, in-store and automatic payments and may be unavailable for some sellers. If no online preference exists, choosing a method other than PayPal Credit for a one-time online purchase also consents to setting it as the future online preference.
Supporting quotations
separate preferred payment methods
your express consent to make that your preferred payment method
Charges & Financial Obligations · Company practice
Backup and automatic-payment funding may differ from the preference
Some online transactions require backup funding and may not offer a separate conversion-provider choice for that backup. Automatic agreements may use available balance first. If preferred funding is insufficient, the stated backup sequence runs through balance, bank, PayPal co-branded credit, debit, credit, then e-check; failed bank funding can bypass that order.
Supporting quotations
you may not be able to separately choose
that balance may be used before your preferred payment method
notwithstanding the order specified above
Charges & Financial Obligations · Company practice
Domestic balance and bank personal transfers have waived PayPal fees
For Send Money to eligible US accounts using an eligible PayPal balance or bank account, PayPal waives its listed fees and displays these options first. Users may choose another available method, with any fee shown before sending.
Supporting quotations
we waive all fees charged to you
we will always show you the fee before you send money.
Charges & Financial Obligations · Company practice
Rejected bank transfers may be retried twice and incur overdraft fees
PayPal can re-present a rejected bank transfer up to twice, even if funds are added to PayPal while a retry is pending. PayPal and bank protections differ; a purchase can cause bank overdraft fees even where the user declined bank overdraft service. E-check payment typically takes four to seven Business Days and longer for foreign banks.
Supporting quotations
up to two (2) times
even if you chose not to allow overdrafts with your bank.
4-7 Business Days
Charges & Financial Obligations · Company practice
Debit-network routing can affect available protections
PayPal can route debit payments through ATM or card networks; a switch to Visa or Mastercard may offer more protection. PayPal Debit transactions in checkout or Send Money instead debit the PayPal balance directly.
Supporting quotations
Choosing the Visa/Mastercard network may give you additional protection
Charges & Financial Obligations · Restriction or exception
Sellers must use the correct payment channel and pay receipt fees
Sellers and donation recipients owe applicable receiving fees. Sellers cannot ask buyers to use friends-and-family payments, and donation tools cannot be used for sales; violations can remove those capabilities. Guest-checkout integrations and invoicing accept further applicable terms.
Supporting quotations
Pay any applicable fees for receiving the funds.
Not ask your buyer to send you money as a personal transaction
Not use the Donate Button
you agree to all further terms of use
Charges & Financial Obligations · Restriction or exception
PayPal surcharges are prohibited
A seller cannot charge a fee for accepting PayPal. A genuine handling fee is permitted only if it does not function as a surcharge and is no higher than the handling fee for other payment methods.
Supporting quotations
as long as the handling fee does not operate as a surcharge
Charges & Financial Obligations · Restriction or exception
In-store sellers must disclose totals and respect QR-code limits
In-store charges require buyer authorization, advance total disclosure, accurate descriptions and a physical receipt on request. Sales need goods-and-services QR codes; in-person codes cannot be used for online sales. QR disputes may require alternative delivery evidence.
Supporting quotations
You may charge your customer's account only for transactions that they have authorized.
must also not use QR codes intended for in-person transactions
Charges & Financial Obligations · Context
Card payments count as card-not-present even inside a store
A buyer’s card-funded PayPal purchase is processed as card-not-present even when the buyer is physically at the seller’s store.
Supporting quotations
even if the buyer is at your store location.
Charges & Financial Obligations · Company practice
Seller pricing depends on transaction and account qualifications
Transaction fees depend on buyer country or card currency, product and documented charity status; charity rates start only after documentation. Future fees can change with applicable notice. Dynamic Micropayments applies the cheaper applicable rate; static pricing covers all transactions and may be converted to dynamic at PayPal’s discretion.
Supporting quotations
only after you document your status
subject to the applicable notice requirements
whichever rate results in the lowest fees
unilaterally convert your account
Charges & Financial Obligations · Restriction or exception
Sellers owe reversed payments and fees even after receiving funds
Refunded or invalidated payments make sellers responsible for the full amount and applicable fees. PayPal retains the original transaction fees on refunds and may convert currency at the reversal rate, charge linked methods and pursue a negative balance, which must be funded immediately.
Supporting quotations
responsible for the full amount of the payment sent to you plus any fees
we'll retain the fees you paid
you must immediately add funds
Charges & Financial Obligations · Company practice
Payments can be reversed for disputes, errors and unmet seller duties
Reversal grounds include lost buyer claims, late or inadequate responses, nonprotected card chargebacks, failure to deliver or prove delivery, fraudulent bank reversals, mistaken or unauthorized payments and agreement violations. Card issuers decide card chargebacks.
Supporting quotations
within the timeframe communicated to you
The card issuer, not PayPal, determines
cannot provide
The payment was unauthorized.
Charges & Financial Obligations · Company practice
Seller dispute fees depend on a three-month dispute ratio
PayPal charges dispute fees for account or guest-checkout claims, chargebacks and reversals after decision. A ratio of at least 1.5% plus more than 100 sales in the prior three full calendar months triggers the high-volume rate; otherwise the standard rate applies. Unauthorized claims are excluded from the stated ratio calculation.
Supporting quotations
after the claim is decided.
previous three calendar months
1.5% or more
more than 100 sales transactions
Charges & Financial Obligations · Company practice
Dispute-fee exemptions differ between standard and high-volume rates
Both rates exempt un-escalated inquiries, direct settlements without escalation and unauthorized claims filed directly with PayPal. Standard fees also exempt qualifying Seller Protection, low-value claims below twice the fee, and decisions in the seller’s favor. Exempt claims may still affect the ratio; high-volume sellers may need a remediation plan, and restricted activity can trigger high-volume fees regardless of sales or ratio.
Supporting quotations
all the requirements under
less than twice the amount of a Standard Dispute fee.
Decided in your favor
may be required to provide a remediation plan
irrespective of your dispute ratio or sales volumes
Charges & Financial Obligations · Company practice
Separate chargeback fees can apply even when the seller wins
For card chargebacks outside PayPal account or guest checkout processing, PayPal charges a separate fee regardless of the buyer’s success. It is deducted in the original listing currency or the primary holding currency where that currency is unavailable.
Supporting quotations
regardless of whether the buyer is successful
your primary holding currency.
Charges & Financial Obligations · Restriction or exception
Lost purchase-protection claims can require a full refund without item return
A seller losing PayPal or Venmo protection claims forfeits price and original shipping, receives no PayPal-fee refund, and may not receive the item back. Significantly-not-as-described claims can require accepting return and paying return shipping; counterfeits require a full refund and may not be returned. Resolution must be processed through PayPal/Venmo or supported by acceptable evidence of buyer agreement.
Supporting quotations
you may not receive the item back.
You will not receive a refund of the PayPal fees
pay for the return shipping costs.
evidence acceptable to PayPal
Charges & Financial Obligations · Context
Seller Protection is conditional under separate program terms
Eligible sellers may retain the full purchase amount under Seller Protection, including transactions cleared after payment review if program requirements are met. PayPal determines eligibility; the linked program terms are incorporated, and foreign buyers’ protections can differ.
Supporting quotations
may result in you retaining the full purchase amount.
if they meet PayPal's Seller Protection program requirements.
the purchase protection available to buyers in each of those countries.
Charges & Financial Obligations · Company practice
Restricted activity can freeze funds for 180 days or longer under legal process
PayPal may hold funds up to 180 days when reasonably needed for liability risk or Acceptable Use violations; legal process may extend that. It can suspend buyer or seller protection and recover Seller Protection amounts retained in the preceding 30 days, as well as restrict sending or withdrawals.
Supporting quotations
for up to 180 days if reasonably needed
longer than 180 days
30 calendar days prior to your suspension
Charges & Financial Obligations · Company practice
Risk holds generally last up to 21 days, with dispute extensions
Held money is unavailable to both sender and recipient. Risk holds generally last up to 21 days and may be released sooner at PayPal’s discretion. A disputed payment can remain held until resolved, up to 180 days under this rule. Marketplace holds can follow third-party instructions authorized by the seller.
Supporting quotations
not available to either the sender or the recipient
but no longer than 180 days
once you have granted us permission
Charges & Financial Obligations · Company practice
Business reserves can withhold rolling percentages or a minimum balance
Risk-based reserves make business funds unavailable for withdrawal. PayPal may use rolling percentages, minimum reserves or both, based on factors such as credit, delivery history and disputes. It notifies users of reserve terms and changes; the source’s percentage and period examples are not fixed requirements.
Supporting quotations
one or both may be applied at the same time
a percentage of each transaction
a specific minimum amount
we’ll notify you of the new terms.
Charges & Financial Obligations · Company practice
Processing-error corrections and compensation have defined exceptions
PayPal corrects underpayments with a credit and overpayments with a debit. It accepts direct losses from late or incorrect processing unless funds were insufficient without its fault, the user knowingly used a broken system, or extraordinary events occurred despite precautions. Holds, risk reviews, stated completion delays and user mistakes are excluded.
Supporting quotations
losses or damages directly caused by this failure
through no fault of ours
despite our reasonable precautions.
Your errors in making a transaction
Charges & Financial Obligations · Company practice
Debt recovery can span currencies, accounts and affiliates
PayPal can offset negative balances against later receipts or other PayPal accounts and debit overdue affiliate debts. A foreign-currency negative balance lasting at least 21 days is converted to US dollars at PayPal’s rate and spread; disclosed new transactions can combine existing negative balances.
Supporting quotations
21 days or longer
a past due amount owed to us or our affiliates
when that combination is disclosed to you in advance
Charges & Financial Obligations · Procedure
Arbitration fees follow JAMS rules
JAMS rules and its fee schedule govern arbitration fees. Either party can seek fee reduction or deferral, with both required to cooperate in good faith toward cost-effective proceedings.
Supporting quotations
Payment of arbitration fees will be governed by the JAMS Rules and fee schedule.
Charges & Financial Obligations · Restriction or exception
Unlawful internet-gambling transactions are prohibited
The account cannot process restricted transactions under the specified Federal Reserve regulation, including knowingly accepted payments connected to unlawful internet gambling.
Supporting quotations
Restricted transactions as defined in Federal Reserve Regulation GG are prohibited