PayPal disputes and chargebacks
direct connection coming soon

How PayPal disputes work

PayPal has its own process, separate from card networks, with three things merchants usually call a "PayPal dispute":

1. Dispute (inquiry stage). A buyer can dispute a transaction within 180 days of the payment date. The buyer and seller then have up to 20 days to resolve it, typically in the Resolution Center. A dispute closes automatically after 20 days unless it is escalated.
2. Claim. Either party can escalate to a claim, and PayPal reviews evidence from both sides. PayPal says merchants have 10 days to respond to a claim, or it closes in the customer's favor. PayPal usually decides within about 14 days, though complex cases can take 30 days or longer.
3. Chargeback. If the buyer paid with a card and goes to their card issuer instead, it becomes a chargeback. The bank, not PayPal, makes the final decision.

PayPal also sends pre-chargeback alerts, and its developer docs describe a short window to refund and avoid the chargeback entirely. Timelines vary by case type and region, so check the case in your PayPal account.

Status: coming soon

Verdikx is a fraud, chargeback and dispute platform for e-commerce and SaaS merchants, built by Verdikx LLC (New Jersey, United States). The direct PayPal connection is built and opening to merchants soon. When it opens (on Growth and Pro):

• You will sign in with PayPal and approve the dispute permissions.
• Inquiries, claims and chargebacks will import automatically and keep updating; PayPal inquiries will also appear as prevention alerts.
• You will submit reviewed evidence to PayPal from the case (packet up to 10 MB). Submitting never accepts the claim or refunds the buyer.

What works today

• Email forwarding (every plan). Forward PayPal chargeback and dispute notices to your private Verdikx address; Verdikx recognizes PayPal notices and turns them into cases, keeping PDF and image attachments as evidence.
• CSV import (every plan). Upload a dispute report exported from PayPal; Verdikx detects the columns or lets you map them.
• Link the order. Link each case to its Shopify order so the packet includes order, shipping, refund and conversation records. You then submit the packet in PayPal's Resolution Center and mark the case as sent.

Shopify stores taking PayPal: where Shopify Payments offers PayPal Wallet, Shopify manages those disputes, and once a dispute is open you can issue only a full refund. Disputes on legacy PayPal Express Checkout orders are managed in PayPal's Business Center, so use forwarding or CSV for those today. See Shopify Payments chargebacks.

Shopify stores install the Verdikx app; merchants on other platforms create a workspace on verdikx.com and pay by card. Until the PayPal connection opens, forward PayPal chargeback notices to your Verdikx address.

Evidence that helps in PayPal cases

For item not received, tracking that shows delivery to the address on the PayPal transaction. For significantly not as described, the listing, photos and your return policy as shown at checkout. For unauthorized card chargebacks, prior undisputed orders and customer communication. See item not received disputes and friendly fraud.

Good to know

Verdikx does not decide PayPal claims or bank chargebacks and does not guarantee outcomes. It never accepts a claim or refunds a buyer for you.