Martin Lewis issues important warning to all Brits with PayPal accounts


At a time when the country is making more purchases online and through contactless payments, money saving expert Martin Lewis has warned that PayPal does not offer the same protections. The advice came after a Martin Lewis Money Show viewer asked her if she still had the same payment protection using Apple Pay.

While other cards are capped at £ 45 for a single transaction, Apply Pay has no limit, reports the Daily Record.

Viewer Joyce said, “I recently started using Apple Pay for purchases over the contactless limit, but I’m concerned that I may not have Section 75 protection.”

Martin replied, “Apple Pay is just another way to use your card, it’s actually like using the card, you still have Section 75 protection which makes the credit card company jointly liable if you buy something that costs more than £ 100, but less than £ 30,000. “

Martin Lewis cautioned that Paypal might not offer the same protections when you use your credit card through their payment service.

But this is not the case when you are using PayPal.

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

The PayPal website states that the “Buyer Protection” program entitles you to a refund of the full purchase price of an item plus the original shipping charges you paid, if any, when you fail. not receive it from a seller or when you receive an item, but the item is not the one you ordered.

The expert made the warning on the latest episode of the Martin Lewis Money Show

The first of the protections is Section 75 of the Consumer Credit Act 1974, which is legal protection for credit card users on purchases over £ 100 and under £ 30,000.

Therefore, your card issuer is jointly responsible in the event of a problem with your purchase.

The second 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 void a transaction if you are unable to resolve a dispute with a business.


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