General provisions when making payments
Your payment order
We may allow you to provide us with a payment order in any manner that we instruct you at any given time. The way you provide us with the payment order may depend on the type of payment you are going to make, for example:
- If you are paying for a purchase or making a donation, many sellers or fundraisers allow you to provide us with a payment order in a specific PayPal checkout or another PayPal payment collection solution integrated into their website.
- You can use the “Send Money” feature once you’ve logged into your PayPal account to send someone a payment.
When you make a payment order, we may ask you to authenticate it, that is, to provide us with the information necessary to make sure that it is you who is giving it to us. You can, for example, submit your correct login information (such as your email address and password), or successfully log in to your PayPal account to make the payment order.
We may also offer you the option to select certain recipients in order to expedite the payment process, so that they become “trusted payees” for future payments. Generally, we will not require you to log in (via password, PIN, etc.) to authorize these future payments when they are made. You can access and modify the list of trusted payees at any time from your PayPal account.
Cancel a payment order
Once you provide us with a payment order, you will not be able to cancel it, except if it is an order under a payment agreement (see below for more details).
How long will my payment take?
Your payment to another user will leave your account on the same Business Day after we have received your completed payment order.
The payment will be released from your account within two Business Days if we receive the complete payment order:
- on a day other than a Business Day;
- after 16:00 (Spanish local time) on a Business Day.
We may allow you to ask us to make the payment at a later date, in which case the payment will leave your account on that date.
When can we refuse to make a payment?
We may consider your payment order incomplete and refuse to make it in the following cases:
- You do not have enough money in your PayPal balance.
- We have reason to believe that your linked funding sources do not have sufficient funds to cover the money needed to make the payment.
- You do not provide us with all the mandatory information that is requested in the corresponding payment flows that we use to obtain your payment orders (for example, recipient data that is sufficient according to our request and the authentication of your payment order).
- The payment exceeds the sending limit that we indicate when you try to make the payment.
When the recipient does not accept a payment
If we allow you to send a payment to someone without a PayPal account, the recipient can claim the money if they open the account.
If the recipient already has a PayPal account, they can refuse to accept the money.
If the recipient refuses to accept the money or does not open a PayPal account and claim the money within 30 days of the sending date, the money (including any fees charged to you) will be refunded to your PayPal account. See Refunds to your account to learn what can happen when your PayPal account receives a refund.
At our discretion, we may apply limits to the amount and value of payments you can make, including money you send for purchases. To view these limits, log in to your PayPal account. To remove the sending limit, you must follow the steps that we notify you or that we publish from time to time (which we may display in your account overview).
Refunds to your account
How refunds can occur
We may allow the recipient of your payment to:
- refuse payment;
- decide to accept it and then use our service to send you a full or partial refund in the amount of the payment later.
We will return to your balance the amount of any rejected or refunded payment. We will also return the amount of unclaimed payments to your balance within 30 days from the date the payment was initiated. In the event that payment amounts are returned to you in any of the ways described above, we may convert the returned amount for you to:
- the currency of the balance you used for the original payment (before any conversion was made to the currency received by the recipient);
- the opening currency of your account;
- US dollars (we would open a balance in this currency in case you do not have it).
If the original payment you sent involved a currency conversion, we will convert the returned amount from the currency the recipient received as follows:
- If the amount is returned within one day of the date of the original payment, we will use the transaction exchange rate that was applicable on the date of the original payment, so that you receive the original amount in the original currency from which converted the original payment.
- If the amount is returned more than one day from the date of the original payment, you agree that we may use our transaction exchange rate that was applicable at the time of the conversion of the returned amount.
The transaction rate may be applied to you immediately and without notice.
We may also automatically withdraw the returned amount from your balance and refund the funds to the funding source used for the original payment. Withdrawals may also involve a currency conversion; see the Withdraw Money section above.
Risks when receiving refunds
The returned amount could be less than the original payment amount. This situation may be due to:
- the recipient has sent you a refund for less than the amount of the original payment; as we are only a payment service provider, we cannot know what refund the recipient of the original payment has to make or why the original payment recipient has refunded a certain amount;
- fluctuations in the exchange rate for transactions.
PayPal is not responsible for any losses resulting from the recipient’s decision to decline or refund the payment, except in the event that the refund sent by the recipient is a payment that PayPal improperly executed.
We are not liable to you for the difference between the value of the original payment and the value of the resulting refund, except in the event that the refund is an incorrect payment. (See the Troubleshooting section.)
PayPal Buyer Protection Program
When you buy an item from a seller who accepts PayPal, you may be eligible for a refund under PayPal’s Buyer Protection program. Where applicable, PayPal’s Buyer Protection program entitles you to a refund of the full purchase price of the item plus any original shipping charges you paid, if any. PayPal will determine, in its sole discretion, whether your claim qualifies for PayPal’s Buyer Protection program. Although PayPal’s original ruling will be deemed final, you may appeal PayPal’s decision if you have new or compelling information that was not available at the time the original ruling was made, or if you believe an error has occurred in the decision-making process. decisions.