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ead the New PayPal policy updates

Its really important the change will affect you

  1. PayPal seller protection

Section 11.10.a is amended in order to outline that the following items/transactions/cases will always remain ineligible for PayPal seller protection, unless otherwise agreed in writing with PayPal:

1. Items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards );

2. Payments made in respect of financial products and investments; and

  1. Donations.

The amended section 11.10.a. now reads as follows (presented in context within section 11.10, with added wording underlined):

“11.10 What are examples of items/transactions/cases that are not eligible for PayPal seller protection?

a. Intangible items, licenses for digital content, and services. Where PayPal in its own discretion may make certain intangible items, licenses for digital content and/or services eligible from time to time, unless otherwise agreed in writing with PayPal, the following will always remain ineligible:

  1. Items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards ).
  2. Payments made in respect of financial products and investments.
  3. Donations.

 

  1. PayPal Buyer Protection

Section 13 is amended to make several amendments to the PayPal Buyer Protection policy as follows:

  1. the following types of transactions are now excluded from coverage of PayPal Buyer Protection (section 13.4a is amended accordingly):
    1. purchases of any interest in a business (including, without limitation, any items or services forming part of a business or corporate acquisition);
    2. purchases of vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats), except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards;
    3. payments on crowd-funding and/or crowd-lending platforms;
    4. purchases of items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards);
    5. gambling, gaming and/or any activity involving a chance to win a prize;
    6. payments made in respect of financial products and investments;
    7. payments to state-run bodies, except for state-owned enterprises;
    8. donations; and
    9. purchases of items which you collect in person, or arrange to be collected on your behalf (including at a retail point of sale) and which you claim to be Not Received;
  2. transactions paid for in more than one instalment are now eligible for PayPal Buyer Protection, subject to the remainder of the PayPal User Agreement (section 13.4b is amended accordingly);
  3. buyers are reminded that they will not meet the conditions for reimbursement if they have received a  recovery for a given purchase from another source (new section 13.4e is added for this purpose);
  4. all buyers must now wait at least 7 days from the date of payment to escalate a Dispute for a purchase Not Received (NR), unless otherwise stated by PayPal (section 13.5c is amended accordingly); and
  5. the specific additional conditions for raising claims for SNAD or NR for purchases paid for using PayPal POS Functionality no longer apply (section 13.8 is deleted and subsequent remaining sections renumbered accordingly).

The amended sections 13.4 and 13.5 now read as follows (with added wording underlined):

13.4 Conditions for reimbursement

You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:

a. Your purchase is an eligible purchase. Purchases of most goods and services are eligible (including travel tickets, intangible items such as rights of access to digital content and other licences), except for the following transactions:

  1. purchases of real estate (including, without limitation, residential property);
  2. purchases of any interest in a business (including, without limitation, any items or services forming part of a business or corporate acquisition);
  3. purchases of vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats)except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards;
  4. payments on crowd-funding and/or crowd-lending platforms;
  5. purchases of custom made items (unless they are claimed to be Not Received);
  6. purchases of goods and services prohibited by the PayPal Acceptable Use Policy;
  7. purchases of industrial machinery used in manufacturing;
  8. purchases of items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards);
  9. purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal;
  10. Personal Transactions;
  11. gambling, gaming and/or any activity involving a chance to win a prize;
  12. payments made in respect of financial products and investments;
  13. payments to state-run bodies, except for state-owned enterprises;
  14. donations; and
  15. purchases of items which you collect in person, or arrange to be collected on your behalf (including at a retail point of sale) and which you claim to be Not Received.

b. You sent the payment for your purchase from your PayPal Account to the Payment Recipient’s PayPal Account through the Send Money tab applicable to payments for goods and/or services on the PayPal website or app, or the Payment Recipient’s PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient).

c. Your problem is either that:

  1. you did not receive your purchase– “Not Received” (“NR”); or
  2. your purchase is “Significantly Not as Described” (“SNAD”). Further information on what we mean by “SNAD” is set out in section 13.8.

If your problem is a transaction that you did not authorise (including, without limitation, a duplicate or incorrect payment when using the PayPal Location Based Payments Functionality), please see section 12 and visit the PayPal Security Centre athttps://www.paypal.co.uk/security. You can report the problem via the PayPal Security Centre or here.

d. You have followed the process described in section 13.5 (How do I resolve my problem?).

e. You have not received a recovery for that purchase from another source.

f. PayPal has made a final decision on your problem in your favour.