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PayPal

PayPal

PayPal
1.4

2,647 reviews

Positive vs Negative
7%93%
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Transparency ?
1.3
Rates and Fees
1.5
Timeliness
1.4
Brand Manager for PayPal? Claim your listing.

 AI reviews summary 

The overall sentiment regarding PayPal is overwhelmingly negative, with most long-term users reporting a significant decline in service quality and trust. While a small minority of users still experience successful refunds and smooth transactions, the vast majority describe a system that consistently fails to provide the "Buyer Protection" it advertises. Recurring themes include a total lack of human oversight, automated dispute resolutions that favour scammers, and a customer service experience dominated by "brain dead" robots and unhelpful scripts.

Pros
Reliable for Small Transactions: Some users report that disputes for low-value items (under $20) are generally resolved quickly and in the buyer's favour.
Convenient Payment Interface: Long-term users continue to appreciate the ease of use for general online checkout and the "Pay in 4" instalment feature.
Security Layer: A few users still value the service for keeping their credit card details hidden from third-party merchants during transactions.
Successful Fraud Reversal: A small number of reviewers noted that unauthorised withdrawals were refunded within 24 hours after following standard procedures.
Cons
Flawed Dispute Resolution: Cases involving "item not as described," fake products, or fraudulent tracking numbers are frequently closed in favour of the merchant, even when the buyer provides hard evidence of a scam.
Inaccessible Customer Support: There is a significant reliance on automated bots and AI, making it nearly impossible for customers to speak with a human or escalate complex issues to a supervisor.
Unfair Return Policies: Buyers are often required to pay for international return shipping to receive a refund, even when the seller sent a faulty or incorrect item, which frequently costs more than the product itself.
Security and Access Issues: Users report accounts being suddenly limited or locked without clear explanation, as well as failures in two-factor authentication and the persistence of deleted old addresses during checkout.
Verdict

PayPal is currently viewed by most users as a high-risk platform that prioritises automated efficiency and merchant protection over genuine consumer safety. While it remains a convenient tool for minor purchases, the recurring failure of its buyer protection and the lack of human support make it unreliable for high-value transactions or protection against sophisticated online scams.

2,647 reviews
1 Alan M  · PayPal is not secure. Despite setting, no two-factor authentication. Pushing passkey, but not requesting second factor before allowing payment.
1 Edwards  · PayPal has deteriorated from reasonable service with phone help to no service with a brain dead robot. I will never use PayPal again.
1 Tal  · Not helping as a buyer when you need them. And refused my disputes even the saler was misleading.
1 Paul  · hopeless. fraudlent transactions that paypal say where authorised. total rubbish DO NOT USE PAYPAL...THEY DONT CARE AND CANNOT BE TRUSTED WITH YOUR MONEY
1 Ram  · Scammers they have only seller protection no buyer protection as advertised use any other method better than this provide Betrüger.
1 Robert  · Ebay sent me the wrong product, paypal refused to refund me, I deleted everything with ebay and PayPal their refund policy is a lie.
Pat M.
Pat M.SA10 posts
 

Tried to cancel a transaction that clearly didn't state extra currency charges and USD as against AUD but waste of time, absolutely no support from PayPal at all and couldn't even lodge a dispute. Have removed this platform as a payment option and would never use again

Ask the reviewer
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Anna
Anna9 posts
  Verified

I just had the most ridiculous interaction with PayPal. I thought I was safe shopping with PayPal but no longer. They don’t protect buyers. They protect retailers selling faulty goods. You’d think in this day and age, you’d be safe shopping online, PayPal has a dispute and resolution centre. It will be okay. If the retailer doesn’t help you, at… Read more

least you’ve paid with PayPal, you’ll be safe, your money is protected. So I sent the bogus quality goods back, fully expecting a refund, but no. The retailer says no. Even PayPal says no. What do you do? Inundate the courts with judge Judy-esque problems, not even, such a small st^pid ridiculous problem. You think when you buy goods they don’t work, you get a refund. It’s just how the world works, no longer when PayPal is around.

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Michael
MichaelNSW13 posts
  Verified

I purchased a power bank on eBay (payment method was PayPal), and the seller shipped the item via FedEx. ​One day, I was exercising on an indoor bicycle by the second-floor window, looking out at the front of my house. During this time, I received a notification from eBay stating that my package had been "Delivered." ​However, as I mentioned, I… Read more

was looking directly outside the window while exercising, so it would have been impossible for me to miss a delivery truck or a courier. Furthermore, I have three outdoor security cameras installed in my front yard, which automatically alert me whenever anyone approaches the house. Neither a FedEx truck nor any other courier vehicle or delivery person ever showed up, and I received no alerts from my security cameras. ​Anxious, I immediately went outside to check my front yard, the surrounding area, and the mailbox, but the package was nowhere to be found. Despite this, eBay showed the status as delivered, and when I checked the FedEx tracking link provided by eBay, it also indicated that delivery was complete. I then downloaded the Proof of Delivery (POD) from FedEx to verify. To my surprise, the exact delivery address was missing—only the suburb name was listed—and the recipient was signed by someone named "AVERY," a name I have never heard of in my life. When I explained this situation to the seller, they sent me a photo of the Proof of Delivery, which showed a completely different house with a different street number (Street Number 33). I went to No. 33 on our street, but it wasn't that house either. (Even though the seller clearly knew the item had been delivered to the wrong address, they initially refused to admit it. They only acknowledged the mistake later after I continuously provided evidence.) ​I attempted to open a dispute with eBay regarding this situation. However, because the original estimated delivery date had not yet passed, I was blocked from filing a claim, despite the status showing "Delivered" and the fact that I had not received the item. (eBay did not provide any clear explanation beforehand that a dispute can only be opened after the estimated delivery date has passed.) ​Feeling urgent, I filed a refund claim through PayPal instead. I provided PayPal with all the detailed accounts mentioned above, along with clear evidence of the misdelivery. However, without conducting a proper investigation, PayPal carried out a purely formal review and rejected both my initial claim and my two subsequent appeals, solely on the grounds that the seller provided a tracking number—even though it was a tracking number for a wrong address. ​Instead, as if they were tired of my persistent follow-ups, they closed the case by offering me a PayPal Voucher, still refusing to acknowledge the seller’s fault. ​What still infuriates and baffles me to this day is that they closed the case in favor of the seller, even though the evidence clearly proved the item was delivered to the wrong address. ​Does this mean that in the future, if I become a seller on eBay, I can just ship items to a friend's house instead of the buyer's actual address, and as long as I provide that tracking number, I'm completely fine? Am I allowed to just take the item back from my friend, resell it to other buyers using the exact same method, run a scam, and make money that way?

Reviews with attachments

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Dejan T.
Dejan T.QLD2 posts
 

Extremely poor customer service. My dispute for an unauthorized $96 transaction was closed without any communication, no reason given, and no attempt to request further details or verify information. Customers are left confused and unsupported. The lack of transparency and refusal to engage may be inconsistent with PayPal’s obligations under… Read more

Australian Consumer Law, which requires companies to provide fair complaint handling and proper communication. If you have had similar issue, share your experience publicly and consider reporting it, so PayPal is held accountable for meeting consumer standards.

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Helen
HelenVIC
 

Didn’t listen to me or my requests for further information, PayPal closed the dispute

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Dean J.
Dean J.WA10 posts
  Verified

Bought a SSD through eBay, turns out the capacity is fake, not as the advertised capacity. Lodge a case with PayPal, provided numerous pics of the capacity write errors. PayPal found in sellers favour. How the f can someone be able to sell fake capacity SSD on eBay and get away with it. This is the problem and why nothing will change. Since… Read more

uninstalled eBay and thinking of closing my PayPal account also now, seeing as the protection they always promised it not actually true.

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Jaber R.
Jaber R.11 posts
  Verified

This bank is so bad – They did not return my money even though the item came to me completely different and I sent them pictures but to no avail.

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Lee Goldring
Lee GoldringQLD24 posts
  Verified

USE APPLE PAY. After waiting 6 weeks for a purchase I did online I received the item only to see that I had been scammed and ripped off from a seller that uses PayPal so I made a refund request through PayPal as they advertise "REFUNDS GUARANTEED". which is a lie in itself. Straight away I got the run around and then received an email almost 2… Read more

weeks later telling me that I have to pay to return the item from Australia to America before I can receive my refund. So now I am expected to pay out of my own pocket to return what is obviously a scam and then wait with baited breath for weeks on end hoping I will get a refund. I now know why so many sites refuse to use PayPal but all use Apple Pay. After 20+ years of using PayPal for everything I purchase online I will never use PayPal again.

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Christopher C
Christopher CQLD
  Verified

I have been a PalPal customer for over 10 years. I have had no problems up until the last 12 months. I believe there Customer Service and or Resolution team are involved in fraudulent activity with regard to disputes and refunds that should have been honoured. I believe they are doing this in conjunction with the merchant and sharing the refund… Read more

moneys while the customer is left empty handed. The photo supplied is a copy of the tracking advice supplied by the merchant. This apparently proves that the merchant delivered the item, which they did not!

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DebL
DebLQLD10 posts
  Verified

I wanted to share a story, and do so when not emotional, aka extremely p*ssed off. I purchased some curtains online. I chose an Australian company. I wanted to support local, and whilst I could have purchased cheaper overseas, I felt having the protection of an Australian company would be best with this type of purchase. I found a company called… Read more

Home Curtains. I liaised with Isabella their Customer Service rep, after nearly 20 emails. I was satisfied. I placed my order.

I was after 2 panels, pinch pleat for a 200mm track. Their onsite measuring and communications from Isabella stated I required 2x200mm to account for the pleats.

So excited to receive my new curtains. Imagine my surprise and disappointment when they arrived drop shipped from Asia, this was never mentioned on their website or in the aforementioned communications. They had poor fitting lining, multiple cuts around the back of the pleats, pleats were 17cm wide instead of industry standard 12-13cm, AND they were too wide. Each panel measured 117cm not 100cm as agreed to, and ordered. Making the curtains 34cm too wide.

Now I’m good, not that good. I cannot magically produce additional wall space to accommodate the additional width. How great would that be if you could? Personally I’d like a larger bedroom.

I immediately contacted the company, who insisted I hang so that they could see photos. They immediately offered me $50 goodwill. I wanted to return and have them adjusted. This was not an option due to the drop shipping from Asia.

I made a few calls, and without seeing, to rectify locally it was going to be between $200-300. I told the company this, and said I was happy for them to fix, or take back for a complete refund. They were not interested in these options (drop shipping Asia). They increased their goodwill offer to $100. Still not enough for me to spend my time getting them fixed so they would fit.

I advised I would lodge a dispute with PayPal. PayPal rejected my claim, despite the above. I disputed. They rejected again. You can see their irrational reasoning in the attached screen shot. Please beware. If you order shoes size 7 and they arrive size 8 and are a different colour. According to PayPal, that is only marginally different. Too bad they are useless and you cannot wear them.

I then went back to the Home Curtain site and checked every page, no mention of Asian drop shipping anywhere, and all reviews were 5 star, also the main reason I went with this company. These reviews are picked up by other platforms, so for all intent, they were a good reputable company.

Well this is where it gets interesting. I received a communication from Home Curtain, clearly automated to give them a review. I did, not a good one. It never appeared on their site.

The platform for reviews that they use is a company called Judge Me. I contacted them and was advised that they have no control over how a company moderates their reviews. It was clear that Home Curtains moderate and delete all reviews that are not 5 star.

So not only does Home Curtains not honour their personal communications around size, on their website. They also delete any review that is not 5 star, and do not advertise they drop ship from Asia. Personally I call this false advertising and unethical.

What surprised me the most was that PayPal finds this behaviour completely acceptable. You don’t get what you ordered, it is damaged, unusable and it’s ok, as it is only marginally different. What bollocks.

Anyway this is a cautionary tale so you too, do not find yourself out of pocket by a substantial sum of money.

Companies like Judge Me shouldn’t exist if they allow complete moderation by the shop, as they are contributing to false advertising and allow a false sense of security by consumers.

All up a very distasteful experience.

PayPal, as an international organisation you need to do better and not support this unethical behaviour.

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James
JamesVIC42 posts
 

Just received an email from PayPal about changes to their SMS Two-factor authentication upon login. The email is poorly written and totally unclear. If a company even cannot write an email about security clearly, I cannot trust them to actually implement the security properly.

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Michael ballard
Michael ballard VIC4 posts
  Verified

I paid for a specific product , battery jump starter x2 Nico gbx 155 , 4250 milli amp , I was sent garbage from china , something far inferior, cannot be used as a jump starter at all , doesn’t have a brand name at all

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John
John3 posts
  Verified

I purchased dash mat for my car from Australian website "Luxury Car Mods", also known as "Carmate", through paypal. They sent me wrong product & refused to refund 100%. They even removed their mobile phone number from their website immediately after I called them. Paypal closed my dispute without any discussions with me. Do not trust this seller. Paypal is useless when it comes to disputes. My case is clear cut with no complications at all.

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Mick B.
Mick B.14 posts
 

Purchased a steel ruler from a Chinese company, paid with PayPal to protect my purchase, order jumped from $4.99-$28.99 after conversion to USD the company is in Chinese characters (why USD). Asked for a refund immediately & was promised a full refund the next morning by said Chinese company, tonight PayPal withdrew the full amount from my… Read more

Account, the order has been cancelled, no tracking is available yet I'm $29 out of pocket. PAYPAL IS SUPPOSED TO PROTECT YOUR PURCHASES FROM UNSCRUPULOUS ACTIVITY YET THEY'RE THE UNSCRUPULOUS OPERATORS IN THIS CASE. Referring to Consumer Affairs Australia.

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Ian M.
Ian M.WA
 

I ordered a digital funnel microscope from advocatey.com. I got a watchmakers loupe. What a scam as I saw other complaints just the same They offered me $6 as compensation after I spent $62 (+ $18 tax = $80) and didn't get what I ordered Luckily I paid with PayPal, they immediately agreed to refund the entire amount, highly recommend PayPay Money back from PayPal within a couple of days, thanks PayPal

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SaB
SaBSA33 posts
 

Hit & Miss from resolution centre. Purchase clearly not as described or shown on the website image but ruled in favour of the seller stating the item was not different as described by me. Clearly a hem & raw edge isn’t different according to PayPal.

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Tim D.
Tim D.VIC15 posts
 

I bought a t shirt thru Ali express. The print started coming off after one wash. The seller "agreed" to give me a refund, however provided PayPal with a CLEARLY bogus return address. (I mean, they weren't even trying to hide the fact it was a fake address) After a LOT of backwards and forwards, PayPal had refused a refund saying that the item was… Read more

not misrepresented, despite the seller saying it was. Extremely poor form from a company I thought better of until now.

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basil s.
basil s.VIC
  Verified

I opened a dispute with PayPal for an item I never received from FeelingSexyAustralia. PayPal claimed the money was refunded, but I never received anything. Despite this, they closed the case as resolved. This is extremely disappointing and feels misleading. I was left without the item and without my money. Buyer protection should mean real… Read more

protection, not just closing cases without fixing the problem.I am sure they have connections with FeelingSexy Australia it appears both are scammers

Latest follow-ups

George King
George KingWA29 posts
 

Safest platform – I am with pay pal since ages. just have an insedent , a transaction not recognized by me, I asked them to dispute , they not accepted, then I approached my bank to change the card, the professional lady went with me step by step and I found that… Read more

transaction is authorized by me. thus I aw an apology to Paypal, and surely the deserve the 5 stars , A+++++

 Follow-up  · I still trust PayPal and I a grateful to this service. Thank you guyes

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Graham D.
Graham D.NSW24 posts
  Verified

reported an issue with a seller ,"PEC Online" in Victoria , taking money for item and sending empty boxes to address suppling Paypal with tracking number of empty box which then closed to complaint process saying i received the box. We lost $590 and… Read more

had no security or help from this company returning money . 4 Paypal reports and police report And ACCC report ,Paypal issued $600. BEWARE!!!! Dont be fooled you will get your money back easy,I did not ,and visa card states Paypal has there own agreement and would not help with money recovery. Follow up from Paypal after many hours of work emailing and talking to correct authorities ,we have been refunded full amount.

 Follow-up  · Filed Police report and filed 4 reports to Paypal. Eventually Paypal compensated for money loss from using this company. BEWARE!!!!

Graham D.
Graham D.   

Have been offered a full amount as compensation for owe hassle. $600 This has not been easy filing… Read more

Alain C.
Alain C.Tasmania9 posts
 

PAYPAL DUPED by SCAMMERS closes a case and refuses to discuss the issues – I have an extensive paper trail of payments, orders and discussions with the merchant prior to contacting PayPal for a resolution and refund. The merchant (the scammer), issued PayPal with a tracking number (no other detail) and 'proof' that the… Read more

item had be delivered. The problem is that particular tracking number reffered to a completely different item. I have never received the item, PayPay has been DUPED by a scammer, has closed the case and refuses to open a discussion about this. Interestingly PayPal has now deleted the actual transaction from my account... how DISHONEST is this? PAYPAL - DUPED bySCAMMERS. At least that's my view.

 Follow-up  · After supplying hard evidence of emails, messages and recorded phone calls detailing time, date, person spoken with (all of which I had kept), PayPal changed its mind and refunded me the the full amount. PayPal never issues an apology. Some of their responses were in fact evasive and down right rude. PayPal staff tried to manipulate the… Read more

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Positive reviews

Anet P.
Anet P.WA
 

Would not use or buy any service other than via PayPal. Have used them for many many years and over those years, they have obtained refunds several times. They are always quick and thorough. I have always been kept updated. Their site is easy to use and clear. Just love, love, love their service.

Keith Rowley
Keith RowleyNSW22 posts
 

On PayPal I paid about $2 for a quiz - justa bit of fun. 3 days later a $60 subscription appeared on my PayPal account. I went to PayPal to report it - using their new forms. The refund to my PayPal account was IMMEDIATE. THAT is a good service and outcome - top class customerm protection. Thank you PayPal. Keith Rowley

baffie
baffieNew South Wales7 posts
  Verified

I always use Paypal as a reliable payment source. I give Paypal gold stars for everything. Very handy as a neutral mediator of interactions, especially when dealing with a Website that deals as a "warehouse" for products and goods are sent from another source. Website gives no indication that you will be dealing with another party You find out… Read more

when payment goes through and invoice appears:( :( In this case it is Brand House Direct (Thanks for your recent purchase at Brand House Direct) and supplier of shoes is YOURFIT PTY LTD :( Paypal ensures process of complaint is "fair" on both side After you contact the supplier with no resolution, PayPal gives the supplier a time limit to respond to Paypal direct and if this is ignored Paypal will refund the purchase.

Negative reviews

Shaun T.
Shaun T.WA2 posts
 

​Don't ever rely on PayPal's "Buyer Protection" to keep your money safe. I bought custom prescription medical lenses that arrived completely defective and dangerous to wear. The seller admitted fault by sneaking an unagreed partial $80 USD refund into my account, then demanded I pay international shipping and Chinese customs duties to return them.… Read more

​Under Australian Consumer Law, buyers are not liable for the return freight of a major product failure. I complied with the return anyway and mailed them back to China via Australia Post at my own expense. Even after uploading the official Australia Post tracking receipt (Tracking: LK275474606AU) proving the items were gone, PayPal's brainless automated bot instantly closed the dispute in favor of the seller claiming it was "invalid proof" because it hasn't landed in China yet. ​Their system completely ignores physical documentation and legal consumer guarantees. Absolute garbage service. If you have an actual issue, bypass PayPal entirely and go straight to your bank for a card chargeback. PayPal’s automated system is an absolute joke.

Karly S.
Karly S.NSW
 

PayPal advertises and offers a pay in four option (i.e. pay over 4 instalments) to their members. This has been advertised for a number of years and I have used the service for as long as it has been available. PayPal continue to advertise this service as a premium benefit for their members but have suddenly cut off the service for thousands of… Read more

members without assigning any reason or sending any notification or explanation. I have contacted customer service multiple time and the response is always generic with no outcome offered. They have continued to igmore my many requests to clarify the situation. I belive they are no advertising misleading information, on top of having an appalling 'customer service' division who regurgitate generic responses and try to push blame back to merchants and customers. For someone who has used PayPal almost exclusively for over 10 years, I am now making it known everywhere that I can that they are misleading and will not help customers. I have removed PayPal as an account option and am moving all recurring bills to a new and more reliable and secure payment provider.

Greg P
Greg PVIC2 posts
 

I had used Paypal for many years and over those years I gbegan to trust the security their system. Then earlier this year I had 2 fraudulent transactions off my credit card and asscoiated with my paypal account and paypal would do nothing to recover the funds. So impersonal was their system I never got got past a "bot" making a detrmination. … Read more

Forunately my bank was very helpful and recovered the full amount. My advice before you start using Paypal see if you can find out how you will recover a fraudulent transaction. Paypal in not secure and takes no resposibility.

Recent reviews

Rait S.
Rait S.QLD
 

Well over two decades used PayPal. Account got hacked. Turned into business. Sent out fake invoices. One got paid. Never touched the money. Apparently that started dispute that goods never received. PayPal after review bloody permanently limited my account. So pretty much useless having it. Even when agents told me that they see things don’t add… Read more

up. Apparently back team manually reviewed my case and still ruled against me. What a freaking joke. You get hacked and then PayPal screws you over. Never trust this company. Never ever ever trust them with your money. They protect hackers and scammers now. Be warned

Jamie L.
Jamie L.2 posts
 

Zero human oversight—failed to protect me from an illegal product. PayPal's dispute resolution is a complete joke run by bots. I opened a case for an imported phone that is being blocked by my telco because it fails federal safety standards and cannot call 000 emergency services. Despite providing hard proof of the network block and evidence… Read more

that the seller lied to me prior to purchase, PayPal swiftly closed the case in favour of the merchant simply because of automated time parameters. They show absolutely zero flexibility or human oversight for major product failures under Australian Consumer Law. Leaving a cancer patient without access to emergency services or medical teams leading up to surgery is ethically disgraceful. Avoid using PayPal for major purchases.

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