Are your Paypal purchases protected?How section 75 can cover your PayPal buys

25 June 2011

Section 75 and PayPal

Section 75 will apply to PayPal payments, if you are buying from a business trader.

Online purchases made through Paypal can be subject to section 75 protection if something goes wrong, according to legal advice obtained by Which?

Until recently, it has been widely believed that all PayPal transactions were not covered under this law.

However, a leading consumer law barrister has advised Which? that Section 75 of the Consumer Credit Act will apply if a consumer buys a product of more than £100 (but not more than £30,000) from a business seller (rather than a private individual) and there is a breach of contract, such as the product not being as described. 

Welcome clarification of Section 75

Which? welcomes the clarification of the Consumer Credit Act in relation to purchases made through intermediaries, such as PayPal, and using a credit card. More information on Section 75 can be found in the guide to .

If you have made a Section 75 claim, or are intending to lodge one, against your card provider, let us know at

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