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Credit cards & Paypal

Community Veteran
Posts: 7,923
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Registered: 02-08-2007

Credit cards & Paypal

If you purchase something with a credit card for £100 or more you have consideral protection if there are problems with the goods or service you have paid for.
How does this compare to Paypay ? I am aware that a complaint about goods or services is likely to get your money back but from a legal viewpoint have you got guaranteed protection with a credit card compared to paypal who may only refund your money at their discression ?
In short are you giving up certain rights using Paypal who take the money from your credit card anyway ?
4 REPLIES
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Moderator
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Registered: 06-04-2007

Re: Credit cards & Paypal

As I understand it when paying using PayPal you forfeit your rights under Section 75 of the Consumer Credit Act 1974.
For Section 75 to work you must have a direct relationship with the seller and paying through PayPal takes away this direct relationship.
More here.

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Community Veteran
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Registered: 16-02-2009

Re: Credit cards & Paypal

I have had a refund through a CC after paying with paypal, but it is a grey area.
Community Veteran
Posts: 18,547
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Registered: 12-08-2007

Re: Credit cards & Paypal

I don't think CC companies have any legal responsibility if payment is made through PP.
I had a problem with an overseas company recently and asked PP to help. They have at least got the company to deal with my problem which is a result.
WTF
Grafter
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Registered: 14-09-2012

Re: Credit cards & Paypal

Quote from: Mav
As I understand it when paying using PayPal you forfeit your rights under Section 75 of the Consumer Credit Act 1974.
For Section 75 to work you must have a direct relationship with the seller and paying through PayPal takes away this direct relationship.

D'you know, I never realised that!
Thanks, Mav