PayPal Unauthorised transaction
Buyer says they did not authorise the payment
PayPal says the account holder did not authorise the payment. Seller Protection can cover this for a tangible item shipped to the address on the transaction with online delivery confirmation. The evidence is that shipment record plus anything showing an established buyer relationship.
The evidence this code accepts
- 1
Delivery confirmation to the transaction address
The condition Seller Protection turns on.
- 2
Carrier and tracking number
Must be verifiable by PayPal online.
- 3
Ship date
Shows you shipped before any claim was raised.
- 4
The buyer account and prior orders
An established buyer weakens an unauthorised claim.
- 5
IP address at checkout
Places the buyer in their own session.
Where sellers lose this one
- They shipped to a different address than the transaction address.
- The item was digital, which falls outside protection for this claim type.
Build the pack for PayPal Unauthorised transaction
7 questions specific to this code, plus the order and the notice. No account. You see the assessment and what is missing before you pay anything.
USD 9.90 a pack when you get it. This prepares your evidence; the card network decides.
Rules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.