Martin Lewis’ warning to PayPal users worrying about money-back guarantee

Martin Lewis issued a warning to PayPal users.

The consumer expert said the payment option doesn’t always give you as much protection as Apple Pay.

During a segment on his Money Show Live TV show, the Money Saving Expert founder was asked a question by a viewer called Joyce.

She said: “I’ve recently started using Apple Pay for purchases above the contactless limit, but I’m worried that I might not have Section 75 protection.”

Martin replied: “Apple Pay is just another way of using your card, it’s effectively like using the card, you still get the Section 75 protection which makes the credit card company jointly liable if you buy something that costs over £100, but less than £30,000…

“Not the same with PayPal, sometimes you don’t get that protection using the credit card through PayPal, but you do in most cases on Apple Pay.”

Thankfully, there are ways to get your money back when using PayPal.

According to the Daily Record, the company has a “Buyer Protection” programme to protect its users.

This entitles you to reimbursement for the full purchase price of an item, plus the original shipping costs you paid, when you don’t receive it.

You can also claim back cash if the product isn’t what you ordered.

There are also ways to get a refund through your bank, building society or credit card issuer.

The first is Section 75 of the Consumer Credit Act 1974, which, as Martin explained, is a legal protection for credit card users on purchases of more than £100 and less than £30,000.

It means your card issuer is jointly responsible if a sale goes wrong.

The second of these protections is chargeback, which covers all card payments through banks and building societies.

While not a direct consumer right, it is a process that allows you to reverse a transaction if you're unable to resolve a dispute with a business.

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