this post was submitted on 15 Mar 2024
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PayPal also helps a lot imo. Got quite some refunds through PayPal litigations when a package got lost and the seller wouldn't hear any of it or make the proper reclamations to the postal services
Credit card networks have had these dispute programmes for a while now as well. PayPal's biggest win is successfully convincing a generation that paying with your credit card is dangerous and has no consumer protections while paying with the same credit card with PayPal as a middleman is safe.
Not everywhere no. They're submitted to much more conditions in the EU, I got refunded through PayPal on things that wouldn't have been refunded by an EU bank.