Credit Card payment through Paypal

Upsy

I am trying to book a holiday for my parents as their 50th anniversary gift. The travel agent would not accept credit card payment however, will accept Paypal payment (with 2% surcharge). My bank account is not linked to the Paypal account but the credit card is linked. If I make payment through Paypal then the payment will come from my credit card. My question is if the tour operator goes bust, will I get the same protection as a credit card payment if use my paypal account to make the payment? Any one can shed light please.

grumbler

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

When you buy through third parties. Travel agents, PayPal, group buying sites, etc.

• You're unlikely to be covered when payments are made to a company that isn't the one providing you with the product or service. In these cases, the credit card company usually says it didn't have a direct relationship with the supplier, so isn't equally liable.
  If you stand your ground, it's possible to argue that the indirect relationship constitutes an arrangement to pay. The Court of Appeal decided this was acceptable in 2006, but it's unlikely to be an easy task.
  The first main area is paying via an online processor such as PayPal, WorldPay or Google Checkout. Though these can have their own refund systems, they aren't as strong as the legal protection of Section 75.
  
  There have also been recent cases where people buying goods on Amazon from other suppliers have been turned down for Section 75 claims by credit card companies. Some opinion says these SHOULD be covered, but it may be a fight to make it happen.
  The other scenario is buying through a travel agent, where it is simply directing you to get a flight from an airline or a package holiday from a tour operator. You should have ATOL protection for package holidays anyway (see Cheap Package Holidays) and in 2012 this protection was extended to include flights and accommodation or car hire booked from the same company within a day of each other, even if they're not part of a formal package.
  Flights alone don't usually have protection elsewhere but if you're not covered, as many travel companies act as an agent of the tour operator, a claim against your card provider could be successful, so give it a try.
  A relatively new area for third party purchases is group buying websites, like Groupon and LivingSocial. Here you buy a voucher for a cheap deal and the good or service is redeemed by another retailer. This indirect relationship could make it hard to claim using Section 75, yet you should be able to use the chargeback route instead.
  A standard voucher purchased from another store (eg, a Topshop voucher bought from WHSmith) would also count as an indirect purchase, so is unlikely to be covered.

Travel agent not taking CCs? Looks dodgy to me.

greenlightluke

I agree with Grumbler - it looks dodgy. Any holiday I've booked have all accepted CC albeit with a 2.5% fee added on.

dalesrider

I would take a wide berth of any travel agent that does not take a CC, but takes paypal and makes a surcharge for this.

Are the y invoicing via PP for this, or asking for it to simply be sent to a email address?

NO S75 cover.
Chargeback is going to be risk at best.
As Pp do not supply the goods/service. Only move the money.

Best advice look elsewhere.