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PayPal Buyer Protection Dispute
PayPal Buyer Protection can refund the full price plus original postage if an item does not arrive, or is significantly not as described. Try to sort it with the seller first, then open a dispute in the Resolution Centre and escalate it to a claim within 20 days. For an item not received, open the dispute within 180 days of paying.
At a Glance
Your Rights
What the rules say, with a link to the official source for each.
PayPal Buyer Protection
PayPal
PayPal Buyer Protection can refund the full price plus original postage if an item doesn't arrive, or is significantly not as described (materially different, a different item, misrepresented condition, counterfeit, missing major parts, or damaged in transit). It does not cover items you simply didn't want or that didn't meet your expectations, and you must pay from your PayPal account. source
How to Claim
With PayPal you must try to resolve it with the seller first, then open a dispute in the Resolution Centre. Escalate it to a claim within 20 days of opening it, or PayPal closes the dispute automatically. Item not received: open it within 180 days of paying. Not as described: within 30 days of delivery or 180 days of paying, whichever is sooner. source
What Is Not Covered
PayPal does not cover return postage, and you may have to return the item at your own cost. It does not cover personal payments (friends and family), collecting in person (except PayPal QR code goods and services payments), vehicles, custom-made items for 'not as described' claims, or items bought for resale. source
Card Payments
If you paid by card through PayPal, you can use PayPal Buyer Protection or dispute with your card issuer, but not both at once. PayPal says card chargeback rights may be broader than its own, and if you pursue both at once it closes its claim. If PayPal denies your claim you can still go to your card issuer later. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 180 daysPayPal Buyer ProtectionItem not received: 180 days from payment. Not as described: 30 days from delivery or 180 days from payment, whichever is sooner. Escalate to a claim within 20 days of opening the dispute.
- 14 daysOnline cooling-off period when buying from a business seller14 days (does not apply to private sellers)
Steps to Take
Step 1 of 5
Contact the seller first and try to sort it out.
Step 2 of 5
If that fails, open a dispute in PayPal’s Resolution Centre: within 180 days of paying for an item not received.
Step 3 of 5
Escalate the dispute to a claim within 20 days of opening it, or PayPal closes it automatically.
Step 4 of 5
Keep screenshots of the listing, your messages and any tracking.
Step 5 of 5
If you paid by card through PayPal, you can also ask your card issuer, but not both at the same time.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
The Seller, Through the Marketplace
Always start here, in writing, with a deadline.
Your Card Provider or PayPal
If you paid by card or PayPal and the seller will not put it right.
Trading Standards, Through the Citizens Advice Consumer Service
To report a seller or marketplace, or if you are not sure of your rights.
Good to Know
Small things that make your complaint stronger.
Personal payments (friends and family) are not covered by Buyer Protection.
Want Help?
If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.

Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 12 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- paypal.com/uk/legalhub/buyer-protection Checked 12 October 2026
- saga.co.uk/magazine/money/spending/consumer-rights/what-are-your-rights-when-buying-second-hand-goods Checked 12 October 2026
- citizensadvice.org.uk/about-us/media-centre/press-releases/citizens-advice-warns-buyers-need-to-beware-as-thousands-of-people-report-being-ripped-off-on-online-marketplaces Checked 12 October 2026