How PayPal Partners with You to Decrease the Burdens of Online Risk

We’re committed to your security, which is why PayPal offers more services – at no cost – than most credit card companies or other payment methods. We help keep your costs down and give you peace of mind.

Fraud Prevention = Cost Savings:

	Most Merchant Accounts & Payment Solutions	PayPal
Card Security Code (CSC/CVV2) checks	X	X
Fraud prevention tools	X	X
Transaction Screening	X
Protected financial information for buyers and sellers		X
Encrypted transactions - strongest commercially available		X
Anti-fraud teams - over 2,000 dedicated agents working 24/7		X
Partnerships with local and global law enforcement officials		X
Dispute resolution assistance for all sellers		X
Chargeback fighting team and qualified chargeback coverage		X
Bad Buyer Initiatives (Removing buyers who file fraudulent claims)		X

• Privacy: PayPal Safeguards Sensitive Data – Account information, such as credit card numbers or bank account information, is never shared between buyers and sellers. Also, we use the highest commercially available encryption technology to ensure that your financial information is stored safely.
  
• Prevention: We work behind the scenes – PayPal’s state-of-the-art technology, sophisticated risk models, and more than 2,000 proactive anti-fraud agents help keep your transactions and financial information safe - significantly reducing the probability of encountering fraud, such as unauthorised credit card use. PayPal maintains one of the lowest fraud loss rates in the online retail industry – 0.27% or about ¼ of 1%.
  
• Transaction Resolution Tools: Not only do we work with law enforcement around the world to help stop online criminals, we also provide tools that help lower your risks and maximise your safety – all at no additional cost to you.

	Dispute Resolution Center: Minimise your risk of buyer claims1 and chargebacks2 through PayPal’s online dispute resolution process in the Resolution Center. Learn how to resolve problems before they escalate.
	The Resolution Team: If a buyer escalates a dispute3 with PayPal through the online Resolution Center, our Resolution Team will review and help both buyer and seller work toward a resolution so that the buyer does not file a chargeback. Learn more.
	Customer Service Message Box to Buyers: Personalise customer services messages to help reduce disputes and claims..

Built-in Protections – So Your Buyers Feel Safer:

Buyer Protection Programme⁴: With PayPal’s Buyer Protection Programme, qualified sellers can offer up to US$2,000 of purchase protection on their eligible eBay.com listings at no additional charge – so buyers feel more confident purchasing on eBay.
Learn more.