Tom-Chris Emewulu
Chargeflow's Digital Evangelist
Table of contents

Even though PayPal maintains that each dispute is decided based on available evidence like a proof of shipment from both the buyer and seller, some merchants believe that PayPal uses its entire dispute channel strategies to hold onto money.

They think that each day PayPal can keep funds in its accounts is another day to generate interest income or leverage that money to increase revenue.

Here is a case in point as shared by one Bulldoza22:

'I sold an item to a buyer, and as a prompt seller, I shipped the item quickly with tracking. After I shipped, the buyer issued unauthorized access and opened up a dispute.

I lost the case after providing all the info I could, including the shipping receipt. Not only was I not protected from this scam, but I also lost my item valued at over $100, paid extra for faster shipping at the request of the buyer, and was charged $20 by PayPal for the seller's chargeback, leaving my account at a negative balance from positive balance. I have a tracking number that showed delivery, which I just added to the online transaction on PayPal.

I also shipped my sold physical item to the address from the PayPal transaction details, which also says I am eligible for seller protection. I did go into the Resolution Center > closed case list > clicked on the closed case, and there wasn't anything that I saw that let me Appeal the Dispute.

The email (the same email listed on the unauthorized transaction details) connected to the buyers PayPal account just sent me an email titled "F U"... So now, not only am I losing $210, my account is limited due to a negative balance due to the chargeback fee, and the buyer is also harassing me.'

In a similar classic "lost PayPal Dispute" incident MF Inverurie reported thus:

'I sold four certified gold coins on eBay to a buyer in Canada for £4,300. A month later, the buyer claimed the coins were 'not as advertised.'

I asked for photos of the packaging and contents but received no reply. After another two months, I received five silver coins from the buyer with no accompanying message.

PayPal then told me that the £4,300 online payment had been reversed by the buyer's credit card issuer, although no dispute had been lodged with eBay or PayPal or credit card company.

It appears the Canadian bank is acting as judge, jury, and executioner, having reviewed the case and sided with the buyer. PayPal is acting as a victim in the middle and saying they have to honor the chargeback.

Even though PayPal's decision at the end of a buyer claim is final, if you know how to Appeal a PayPal Dispute after dispute lifecycle stage, you can win the appeal process and reclaim your money. In the remaining part of this post, we shall analyze the best strategies to help you do just that!

Here's how it works:

How to Appeal A PayPal Dispute and Win

After the final decision on a chargeback process, merchants have ten days to appeal the decision, also known as appeal period. As it stands, robots first handle most PayPal disputes. But when someone appeals the case, then PayPal payment gateway will assign a human to look into the case.

However, before you proceed to Appeal a PayPal Dispute, below are some useful checklists to keep in mind:

  • Do you have new compelling evidence or documentation that nullifies the dispute outcome or chargeback claims like fraudulent transactions?
  • Do you have a PayPal Seller Protection coverage? If not then having sufficient evidence might produce the results you wished for. 
  • Are you still within the timeframe of ten days PayPal Dispute appeal policy?

If you answered yes to the above questions, then you are in good standing to Appeal a PayPal Dispute outcome. The steps or stage for merchants are simple:

  • Log into your PayPal account; with provided email address; 
  • Select the 'Resolution' tab, and choose 'Closed Cases' from menu options; and then click on the 'view' drop-down menu. 
  • Choose the dispute you wish to appeal and click on 'Appeal Button.' The tab will open into a new window with an online appeal form;
  • Enter all the relevant file with evidence and submit your form with billing agreement and protection policy. 

Make sure to add each information in action column that can be verified and is authentic. The documents should have actual shipping label, agreement date upfront, seller fee, earliest creation time order, and united parcel service.  

PayPal will get an agent to contact you for further details like dispute type and buyer actions. The agent at PayPal, Inc might ask you to provide complete details such as shipping company, online tracking of delivery, and original transaction. But if you don't hear back from them immediately, you can pick up a phone and call them, or give them a few days before making further contact.

How to Dispute a Charge on PayPal?

To dispute a charge as a seller on PayPal, follow these steps:

  1. Log in to your PayPal account and go to the Resolution Center.
  2. Click "Dispute a Transaction" and select the transaction you want to dispute.
  3. Choose "Item dispute" and provide the details of the issue, including evidence to support your claim.
  4. Communicate with the buyer through the Resolution Center to try to resolve the issue.
  5. If the issue cannot be resolved, escalate the dispute to a claim within 20 days of opening the dispute.
  6. PayPal will investigate the claim and make a decision based on the evidence provided.
  7. If the decision is in your favor, the disputed amount will be refunded to your account.

Note that PayPal's Buyer and Seller Protection policies may apply to the transaction, so be sure to check those policies to see if you are eligible for protection.

Go beyond guesswork with an automated chargeback protection

In the second case we described above, the merchant had to use every resource available, including media pressure, to reclaim his money from PayPal under buyer protection eligibility even after appealing the dispute. That means there's no guarantee that your appeal will go in your favor. But you don't have to go through those grueling processes. Chargeflow is the world's first PayPal Dispute and Chargebacks automation system designed to help you recover more money from dispute without escalation with proper dispute settlement.

As entrepreneurs that struggled with PayPal disputes and fraudulent chargebacks, we built Chargeflow to give e-commerce merchants an upper hand in the dispute mediation process while reducing the risk of chargebacks. We understand your pain points and have created a reliable technology tool to help you fight back!

With Chargeflow, you don't have to worry about how to Appeal a PayPal Dispute. We handle the whole process from the moment you receive the dispute until you win it. Our fraud detection and chargeback management software makes it easier for you to run and scale your business without worrying about chargebacks and disputes weighing you down. To experience the Chargeflow exceptionalism today, sign up with our 2-click integration process here.


Average Dispute Amount
Average Dispute Amount
# Disputes Per Month
# Disputes Per Month
Time Spent Per Dispute
Time Spent Per Dispute
You could recover
$500,000 and save
1,000 hours every month with Chargeflow!
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