I used PayPal Credit to purchase an item from a seller who failed to deliver. Despite providing clear evidence that no goods were received, my case was closed in the seller’s favour.Unlike traditional credit cards, which offer robust Section 75 protection for non-delivery, PayPal Credit leaves you in the dark. You’re forced to raise a dispute through PayPal’s resolution centre and hope for the best — no guarantees, no transparency, and no meaningful support.The service is slow, ineffective, and totally unfit for purpose when something goes wrong. If you’re expecting any protection as a buyer, don’t rely on PayPal Credit. You’d be better off using a proper credit card or even your bank debit card, which at least allows for proper chargebacks.Avoid PayPal Credit unless you’re happy to gamble with your money.
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PayPal Holdings Inc. is an American company operating a worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders.