You can link your bank account or credit cards to your PayPal account. Just add your bank and card details to your PayPal account and then choose how you want to pay during the checkout process. If you want to pay using your credit card, you still earn your usual reward points so you don’t miss out on anything. You can also add money to your PayPal account and pay using that balance if you want to, but you never have to worry about keeping money in your PayPal account.
PayPal delivers one of the most secure payment platforms in the world. After more than a decade as a leader in online payments, we've learned a thing or two about keeping your information safer. Whether you’re buying, selling, or transferring money, you get an extra layer of security when you use PayPal. That’s because all your financial information (like your bank account details and your credit card number) is securely stored and encrypted on our servers. So you don’t need to share your financial information with the person receiving or sending the money and expose your details online or in public.
In addition, your transactions are monitored 24 hours a day, seven days a week, by a dedicated team of security specialists whose sole purpose is to identify suspicious activity and help protect you from fraudulent transactions. If a transaction doesn’t go as planned, or you’re worried about anything at all, like fraud or phishing, it’s easy for you to report issues and get help.
If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, our Buyer Protection will reimburse you for the full amount of the item plus postage and packaging costs. Buyer Protection covers all your online purchases, on eBay or on any other website, when you use PayPal. It also covers you when you make a payment on our website.
What’s an eligible item? Only physical goods that can be posted and aren’t prohibited by law are covered. Here are a few examples of situations where an item doesn’t match the seller’s description: you bought a book and got a DVD, you bought a new item but got something that was used, you bought 3 items but only got 2, the item was damaged during delivery, the item is missing major parts (that the seller didn’t disclose), or you purchased an authentic brand but got a fake instead. If the seller has accurately described an item, but you’re just not happy with it, that doesn’t qualify for Buyer Protection.
What’s not eligible? Buyer Protection does not cover certain kinds of purchases. These include: digital goods (intangible items), services, property, vehicles (of any kind), custom made items, airline travel, or items that violate our policies (stuff that’s usually prohibited by law anyway). Purchase Protection also does not cover items that you purchase in person, or money you send to friends and family.
What’s the process? You must open a dispute in within 45 days of your payment to initiate the Buyer Protection process. If you don’t receive a response from the seller that you’re happy with, you must escalate the dispute to a claim with in 20 days of when you first opened the dispute. When you escalate your dispute to a claim, you’re asking PayPal to make a decision. We will then investigate the claim and make a decision on your eligibility in accordance with our User Agreement.