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Pay Pal Protection?

Sorry I am new here so I don't know where to ask this. My question is if I pay for a product here though pay pal to a private seller and I send the $ but do not receive the product from the seller (fraud/scam whatever it might be) am I protected in any way for a full refund of the money I sent? Sorry if this has been asked before. I am just trying to protect myself in a loss.
jonhayes21
photon46
1,085 posts
 
https://www.paypal.com/webapps/mpp/security/buyer-protection

Read the information that Paypal posts on their site. Also note there is a resolution process both parties go through. See the menu on the right side of the page as you scroll down.
moryoga's avatar
moryoga
103 posts
 
You should be covered but if paypal can't or won't help and you processed the payment with a credit card, the card companies can be really helpful.

Also, if you ever need to return an item that you used paypal to pay for, ALWAYS use a credit card as the funding source and NEVER send the item back before you file a claim with Paypal. It may seem adversarial but unfortunately it's the only way they will stand behind you if the person on the other end tries something funny. I just went through this with a pair if ICs and luckily I used my cc as the funding source so the cc company took over the claim when paypal told me I was out of luck.

Good luck.
pmotz
412 posts
 
I purchased some records from an Audiogon member several years ago, using PayPal, but never received them. I thought PayPal would protect me, but their response was "there are no funds in the sellers PayPal account so we are so sorry ...." If it's not eBay I wouldn't assume PayPal will cover it. Sadly, there is no way to be 100% safe.
czarivey
5,946 posts
 
I do not trust paypal and never register any of my personal or business accounts. I use prepaid debit cards instead.
fingerpaws
51 posts
 
Never use Paypal! I had a friend who sold a gold coin on eBay. Paypal holds the money so he was paid some time after the buyer had paid. When he could, he took the money out of his account. Soon after, he received a complaint that the buyer had not received the coin, but he sent it such a way that he knew the coin had arrived, and been signed for. Paypal insisted he return the payment, despite his evidence that it had arrived safely. If the money had still been in the account, Paypal would have just taken it! My eBay and Paypal accounts were hacked, the best thing that ever happened to me...I got over the bidding madness. I have found many Paypal users will also accept credit cards. Also, I have been screwed by buying from strangers online, but most people are honest and reasonable.
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