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How to Dispute a Charge on PayPal in 7 Steps (with Photos)

How to Dispute a Charge on PayPal in 7 Steps (with Photos)

Most people worldwide prefer to use PayPal to send money and buy stuff online. But sometimes, the purchase may go differently than planned. For instance, you may receive a broken or defective item.

PayPal understands that these issues may arise, so the company offers a dispute process and resolution center to protect buyers. Luckily, there are easy steps to follow to dispute a charge on PayPal.

PayPal allows you to negotiate with the seller when you dispute a charge. It withholds the funds in question while you resolve the issue with the merchant. If this does not work, you can file a claim, allowing PayPal to investigate and fix the problem.

This article will guide you on how to dispute a charge on PayPal. But remember that your order must be eligible for Paypal to agree to dispute the charge. So, first, let’s look at instances where you can dispute a charge on Paypal.

Instances When You Can Dispute a Charge on PayPal

In the event an order goes awry, you may need to dispute a charge on PayPal. However, not all charges can be disputed. Here are some instances where PayPal allows you to dispute a charge:

  • If you do not receive the item you purchased through PayPal
  • If you bought an item through PayPal but received a different item
  • If the PayPal payment was made without your consent or expressed authorization
  • If the item you receive is broken
  • If you received a fake or counterfeit item that you paid for through PayPal

PayPal Dispute Management is strict on how to dispute a charge on PayPal. As such, you can’t dispute a payment simply because you changed your mind about the purchase. According to PayPal Dispute Management, you can only dispute the purchase if your issue is based on one of these two scenarios:

  1. Item not received (INR): If you paid for an item but have not received it
  2. Significantly Not As Described (SNAD): When the item you get substantially differs from what was described by the seller. For instance, you paid for a blue iron box, but you get a silver iron box

If your issue deserves a dispute, you can file your claim within 180 days from the date of purchase and get your money back.

To file a dispute, you must submit your issue online to PayPal. Below are the simple steps to dispute a charge on PayPal:

Dispute a Charge on PayPal: Step-by-Step Guide

Here is the step-by-step guide on how to dispute a charge on Paypal.

Step 1: Log in to the official PayPal website

Search for “PayPal” on your Google browser. Click on the official PayPal website among the Google search page’s results, or click on the link here.

dispute paypal
Search for PayPal on Google or enter PayPal.com in your web browser.

Once you click on it, the PayPal website will open up.

If your PayPal account is already logged in, it will open automatically. If not, you must press the Log In button below.

dispute paypal
Log in to PayPal.

Once you press the Log in button, the details box shown below opens up. Here, you are required to fill in your details, including your PayPal email address or phone number and your password.

After filling out the details, click on Log In at the bottom. Your PayPal account will open instantly.

dispute paypal
Click Log In.

Step 2: Click on the Help menu

After opening your PayPal account, you will notice the tabs at the top of your screen, including Dashboard, Send and Request, Wallet, Activity, and Help.

Since you want to dispute a charge, click on the Help tab.

dispute paypal
Click Help.

Step 3: Click on the Resolution Center

The page that opens up is an interface where users can get help regarding any PayPal transaction. Click the option Resolution Center on the furthest left.

dispute paypal
Click Resolution Center.

Step 4: Select Report a Problem

The entry for the Resolution Center takes you to a page that shows all your cases. It is here that PayPal saves all your previous claims.

Since we want to create a new issue, you will click Report a Problem.

dispute paypal
Click Report a Problem.

Step 5: Choose the Transaction ID you intend to dispute

PayPal will then direct you to a page showing all your PayPal transactions. Note that PayPal will only show transactions if you have them. If you have no previous transactions, it will appear blank.

You must choose the transaction ID of the purchase you intend to dispute. After this, press the option Continue.

Step 6: Select the Reasons for the Dispute

Now, you are taken to a page where you state the reason for the dispute. PayPal can only allow you to continue if your reason is among those listed. Once you’ve chosen, press the Continue button below the choices. Confirm that it appears as the one shown below.

dispute paypal
Select your reason for disputing.

Step 7: Negotiate with the seller

PayPal takes you to a message box where you can talk to the seller. The PayPal resolution center allows this message box as a way for both of you to agree on the issue at hand. These are the conditions on how to dispute a charge on PayPal.

The seller must respond within seven working days for unauthorized PayPal money transactions. For other cases, such as broken goods, they have up to 20 days to give their verdict or solution.

Bottom Line

PayPal allows you to dispute a charge if you receive unworthy goods. A dispute will help you negotiate with the seller and get a refund of your money. But you need to know how to dispute a charge on PayPal. These steps involve seeking help from PayPal’s Resolution Management, which is used to protect millions of users who transact on the platform globally.

To see the process in action check out the video below.

Frequently Asked Questions

Can I dispute a credit card charge on PayPal?

PayPal allows you to dispute a credit card charge. However, the process is different. You must ask for a chargeback or refund that your credit card company will handle. For this instance, you must contact your credit card issuer. 

 

 

 

Can you dispute a charge on PayPal without having a PayPal account?

Of course, people buy things through PayPal as guests. Guests mean that they transact with people with a verified PayPal account. If the seller lies to you, you can still dispute the charge on PayPal. You have to contact PayPal customer service representatives and file a dispute.

What is the period within which you can dispute a charge on PayPal?

PayPal dictates that you dispute a charge 180 days after a transaction. This time frame is the standard time set by PayPal to dispute a charge. Therefore, it is best to file a dispute as early as possible.

Can you win a dispute and get a refund of your money?

Of course, you can win a dispute. You will win the argument if your reasons are legitimate, they meet PayPal’s rules, and you show evidence. As such, provide clear proof and precise documentation of the entire transaction. If the seller agrees, then you will get your refund. If not, and you deserve the refund, then PayPal will agree with your dispute and you will get a full or partial refund.

When does a dispute become a claim?

Once you dispute a charge and the seller is unresponsive, you can file a claim. Unresponsiveness means that the seller avoids reaching an agreement. A claim is an action that tells PayPal to resolve the issue on its own. PayPal has a Resolution Management Center that analyzes the case, checks the evidence, and offers a solution. When it reaches this point, the dispute becomes a claim.

How long does a seller have to settle a claim?

The seller has ten days to respond when a dispute becomes a claim. PayPal is very strict on this.  If the seller does not answer, PayPal takes over the resolution process. PayPal will offer a solution that favors the buyer if they do not do this within the period.

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