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S75 protection when paying with Paypal
pinkteapot
Posts: 8,044 Forumite
in Credit cards
Quick question: If I buy from an online shop that accepts Paypal, and its a credit card I'm using on my Paypal account (i.e. money goes from Amex to Paypal to the shop), do I still get S75 protection?
I've bought several things online recently where the shops accept Paypal, and I use it because it's easier than typing in my card details each time. Plus a lot of the shops don't accept Amex (I get cashback) but Paypal does.
Was ordering something last night and suddenly wondered about the S75 issue if Amex aren't paying the supplier directly, but through a third party...
I've bought several things online recently where the shops accept Paypal, and I use it because it's easier than typing in my card details each time. Plus a lot of the shops don't accept Amex (I get cashback) but Paypal does.
Was ordering something last night and suddenly wondered about the S75 issue if Amex aren't paying the supplier directly, but through a third party...
0
Comments
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The standing advice on this is that no you are not covered as effectively Paypal is a link in the chain that takes this outside of Section 75 Debtor/Creditor relationship.
(Although this is a grey area without precedent, some banks are still happy to help but I wouldn't guarantee it).0 -
Yep, if over £100 then it might be worth typing in those details in order to get s75 protection! You have to balance the risk against the Amex cashback via Paypal.0
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Thanks both - I will certainly bear that in mind in future!
It just never occurred to me before.0
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