How Is Paypal

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At PayPal (Nasdaq:PYPL), we put people at the center of everything we do. Founded in 1998, we continue to be at the forefront of the digital payments revolution. PayPal gives people better ways to manage and move their money, offering them choice and flexibility in how they are able to send money, pay or get paid. We operate an open, secure and technology agnostic payments platform that businesses use to securely transact with their customers online, in stores and increasingly on mobile devices.

In 2015, 28% of the 4.9 billion payments we processed were made on a mobile device. With our 184 million active customer accounts, PayPal is a truly global payments platform that is available to people in more than 202 countries, allowing customers to get paid in more than 100 currencies, withdraw funds to their bank accounts in 57 currencies and hold balances in their PayPal accounts in 25 currencies.

Sophisticated security for buyers

You're covered
When transactions need only a login and password, you don’t expose bank details or card numbers. It’s an added layer of protection for your financial information.


We never close
We monitor transactions 24/7. So rest easy — even when you let your guard down, we won’t.


Superior technology
We build and invest in some of the finest protection available. Next-level encryption keeps transactions heavily guarded from start to finish.


Fraud prevention
Contact us if anything seems suspicious so we can help you prevent fraudulent transactions. Remember: we’ll never ask for sensitive information in an email.


Dispute resolution
If there’s a problem with a transaction, we’ll put a hold on the funds until the issue is resolved. We investigate and stay involved every step of the way.


Global transactions
Buy or sell around the globe. We process and convert 25 currencies from 202 countries to make sending, spending, and selling simple and secure.

Purchase Protection
We protect you from checkout to delivery and use the latest anti-fraud technology to help spot problems before they happen. And if something goes wrong with an order, we’ll investigate. If your transaction qualifies for Purchase Protection, we’ll reimburse you for the full purchase price plus any original shipping costs. Return shipping costs are not covered by Purchase Protection.

Examples of transactions covered by Purchase Protection:

• You bought a book, but received a DVD
• You bought an item described as “new,” but received something that was used
• You purchased 3 items, but only received 2
• The item was damaged during shipping
• The item is missing major parts (that the seller didn’t report)
• You purchased an item described as authentic, but received a knockoff instead

Examples of transactions not covered:

• Real estate
• Motorized vehicles
• Custom-made goods that aren’t received
• Industrial machinery
• Prepaid cards
• Items that violate our policies
• Anything bought in person (not over the internet)
• Send Money transactions to friends or family
• Disputes filed more than 180 days after the purchase for item not received and significantly not as described claims
• Unauthorized transaction claims reported more than 60 days after the transaction date of the transaction
• Items that were described accurately by the seller

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