Comment by Fogest

Yep I had a case where I bought something online and it was not as described. The merchant didn't respond to emails, I filed the PayPal chargeback and the case was taking ages as the merchant wasn't responding. They finally responded on the last day to basically say I got my item. Despite all my evidence I provided it didn't seem to matter. So I again would have to respond and now wait for PayPal to rule. I was getting so sick of it, I just filed a chargeback with my credit card company instead and they gave me the money back right away upfront and did their own investigation after the fact and ruled in my favour.

I have had PayPal work for me for refunds many years ago, but the problem is often how long the whole process takes and how long your money is held hostage. By the time you maybe get your money back, you've already had to pay off that money on your credit card (if you used credit for the PP transaction). I've found that when I do a chargeback via my credit card, they often give me the money back right away and then do an investigation. If it were to not go my way the money would get taken back. I think this feels more fair depending on the case. Some cases are pretty clear cut and there is no reason to hold your money hostage while they confirm what you said is truthful.