Paypal (www.paypal.com) has a 1.3 out of 5 rating on OK.one, based on 201 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. 89% of reviews are 1 star, a relatively high share; The business has not yet replied to negative reviews. Last updated 2026-08-10.
Did not honour customer payment protection Chinese Marnetic supplier said they had delivered offered no GPS evidence no photographic evidence cost of my delivery was £40. I lost to me thanks a lot PayPal that’s what I get after over 20 years of loyal business. I won’t be using you any time soon.
I'm extremely disappointed in PayPal's dispute process. They use AI to analyse the dispute and make a decision. There doesn't seem to be any way to discuss the dispute further when they settle in favour of the seller. I'm out of pocket US$89 (AU$128) for shoes from WideStep that did not match their description. I had numerous email conversations with Widestep (hint: don't buy from them!), but that did not seem to have been taken into account. This is the second time this has happened to me. It is unacceptable that sellers get away with false advertising at the expense of customers, and PayPal facilitates this.
I have a Ukrainian PayPal account and I am currently in Germany. My old phone number is lost, so I cannot pass 2FA to log in. The app completely freezes, and standard recovery forms don't work without logging in. Support is silent on LinkedIn and email. I just need a representative to send me an identity verification form so I can update my phone number and access my own money!
In December 2025, I was out of the country. I had my PayPal account hacked in fund stolen. I had discontinuously happen until March when I returned to the country. I did not have possession of my laptop or cell phone to know any of this was going on. I’ve contacted PayPal twice in my attempts to get my money back. They said that the transactions look normal and are using so far to return my money. The problem is how can I make those transactions if I am out of the country I am pursuing binding arbitration and potential civil litigation of this matter if my money is not given back to me. This is a form of theft, and I will be pursuing multimillion dollar civil action against this company if money is not back in my account soon.
I got scammed by a company that apparently has committed fraud against many people. I presented all the evidence and the imbeciles working for PayPal took the side of the company and refused to give me my money back despite the fact I requested the refund in less than 24 hours. They are completely useless and a unprofessional low iq staff when it comes to protecting consumers. I recommend everyone to not leave not even one penny with them and avoid using PayPal for any transactions because they are retarded when it comes to acting professionally.
These people are absolutely useless. You know how they handle scams? They go ask the scammer if they scammed you and when they say no, they close your dispute no matter how much evidence to send them, buyer protection is a joke. So if you make a dispute and tell them that you’ve already contacted the seller and you can’t resolve anything they will still send the messages you sent to them to your scammer for them to reply to it. Completely useless. And they will lock your money up and lock you out of your own account. There will be a class action lawsuit against them and I’ll definitely be apart of it. I’m thinking about filing personally against them myself.
I am waiting for our plane to fly from starting point to another.
As an independent type designer selling digital fonts, my business relies on instant and reliable payment processing. Unfortunately, my experience with PayPal has repeatedly shown that their system is neither reliable nor transparent. Over the past year, I have encountered multiple cases where PayPal suspended perfectly legitimate credit‑card purchases under the vague label of "Security Review." This term is never clearly defined in PayPal's user agreement, and in practice it seems to be used as a blanket justification for freezing funds without explanation, without communication, and without any actionable steps for either the merchant or the customer. One of the most concerning examples occurred in April 2026, when a customer purchased a €24 digital font from my store. The payment was immediately placed under "security review," and neither I nor the customer had access to the funds. The customer's bank confirmed the charge, yet PayPal did not release the payment to me, nor did they refund it to the customer. The transaction remained in limbo for three full months, with no updates, no human support, and no ability to file a dispute because PayPal's Resolution Center repeatedly displayed technical errors across multiple devices. Eventually, PayPal quietly reversed the payment and sent it back to the customer-three months later-without any explanation of what "security" required such an excessive delay. This is not an isolated incident. I recently experienced another suspended payment where the customer believed I had received her money, while PayPal showed the transaction as "Pending" and provided no way to accept, cancel, or refund it. As a digital‑goods seller, this places me in an impossible position: my website cannot release download links until payment is confirmed, yet PayPal's opaque review process makes me appear as though I am withholding the customer's purchase. This damages my reputation, creates unnecessary conflict with clients, and disrupts my business operations. PayPal's lack of human support is a major part of the problem. There is no accessible customer‑service email for Europe, phone calls go unanswered, and the automated chat provides no real assistance. When PayPal freezes a payment, both merchant and customer are left without any recourse. The company's communication consists of generic messages asking us to "wait," even when the delay lasts days, weeks, or-as in my documented case-months. Based on my experience, PayPal's "security review" appears less like a protective measure and more like an internal process that allows the company to hold funds in a suspended state without accountability. While I cannot speak to PayPal's internal motives, the practical effect is clear: money is locked between the bank and PayPal, inaccessible to both merchant and customer, while PayPal benefits from holding large volumes of pending transactions. For small independent merchants, this is not security-it is a systemic failure that undermines trust and disrupts business. I am sharing this detailed account, supported by screenshots, transaction IDs, and correspondence, so other digital‑goods sellers and customers understand the risks of relying on PayPal. My hope is that PayPal will address these issues, improve transparency, and provide real human support. Until then, I cannot recommend PayPal as a reliable payment processor for digital products.
Had a guy out of Alabama send me $130 I've had PayPal for years I got $87 of that money today they finally told me that the money was coming from Alabama and that it had to be transferred to us currency don't know when they moved to Alabama out of the United States but that's the best that they could come up with $40 to transfer Alabama which is in the United States over to US currency leaving me 87 out of 130 they won't rip me off again
My refund has been denied by papypal, saying I am only entitled for a refund if I get significantly different item... I bought a pair of cargo shorts off of Hominthory. I have received shorts that does not even have pockets, made out if cheap materials🤡 Only reason I have purchased them is paypal guarantee. Paypal sided with a fraudulent company, no buyer's protection at all. Paypal sided with scammers!!!
I ordered a dress from AliEpress and paid with PayPal, the dress arrived and wasn't as described, I tried to return it, but AliExpress were no use giving 5% refund, I put a dispute with PayPal and they were no help at all, the pictures were sent to PayPal and they were no help at all, I won't be using PayPal again
I was scammed by a woman in Mexico and PayPal never investigated her evidence - which was fraudulent. She had made donation PayPal payments to a US Army soldier that I was handling for her. Months after making three donations she claimed the 1200 EUR donation was for event tickets for a German rock band. Her "evidence" was screenshots from the Lacrimosa band that named me as their PayPal contact for event payments. I had nothing to do with this band. PayPal never investigated this band and how my name and email address was used in this context. Worse yet, PayPal lost three messages I had left regarding the disputes against me that were caused by a PayPal software problem. PayPal never investigated this either. The lost messages caused PayPal to decide the 1200 EUR dispute in favor of the woman because PayPal claimed I'd never left responses about the dispute. This was incorrect but PayPal never investigate the software problem and the woman was paid a refund of 1200 EUR without any investigation being done. I now have a negative 1200 EUR PayPal balance because of a scammer and PayPal never investigated anything. I appealed the prior decision and PayPal still did no investigation and did not change its decision. So I have been scammed and I have no further recourse with PayPal except suing them
If you withdraw to you bank don't do the fast way. I was supposed to get it in a few minutes it telling me it will take a day. So better have my full amount on here
The customer services are horrendous they cant speak English and cant understand English. 15 minutes spelling out my email address. They haven't got a clue what they are talking about.
Been with Paypal for around 20 years and only ever had to dispute a transaction twice. Both occurred just a couple of weeks apart and caused by the courier, which was the same in both, failing to deliver the items. The first was Halfords and the second was S.H. Tyres Online via eBay. Both sellers refused or ignored my refunds so raised cases with Paypal. The Halfords one was sorted quite quickly with a full refund. The second took a bit longer and not being able to speak to a real person was the main cause of the delay. However, Paypal issued a full refund for the second one too. All in all I was quite happy with the service.
Had an issue were PayPal stated they refunded me, which was never recieved. Asked them to provide a transaction ID or payment trace which they failed to do. Now they are requesting the money back??. Unhelpful staff who just transfer you back and forward as they are unable to deal with the issue. Horrendous institution
Worst platform to ever work with. How do you close my account just because I was sent 1 dollar yet my account was varified and I provided all the necessary document?
My experience with PayPal has been extremely disappointing. On 26 July 2026, my mobile phone was stolen in London. Within a very short period, the thief gained unauthorised access to my PayPal account, applied for PayPal Credit and made three purchases totalling £3,597. I immediately reported the theft to Vodafone, HSBC, Revolut and the Metropolitan Police (Crime Reference 01/7864424/26). I contacted PayPal as soon as I became aware of the fraud. My first claim was rejected without any meaningful explanation. I then spent over an hour on the phone to another adviser who repeatedly assured me that I was fully protected against fraud, told me she “had my back”, and promised all three transactions would be reversed. Relieved, I ended the call believing the matter had been resolved. Later that same night I received another automated email saying my claim had been rejected again. What concerns me most is that nobody has been able to explain why. I have been passed between different departments, nobody can tell me why the claim was rejected, and nobody will transfer me to the team that made the decision. One of the fraudulent orders was placed with Argos under the name “Anwar Elmi” for collection at a location in Colindale—a person and location that have absolutely no connection to me. Despite providing this information, along with my police crime reference and evidence that my phone had been stolen, it appears not to have been properly considered. I also cannot understand how PayPal Credit could allegedly be opened and used to spend £3,597 within such a short period after my phone was stolen without additional verification, yet PayPal concluded this was authorised activity. I have now had to submit an identity theft claim through PayPal Credit while remaining liable for thousands of pounds of debt created by a criminal. I hope PayPal reviews this matter properly because, so far, the handling of my case has left me with very little confidence in their fraud investigation process.
I want to share my experience with PayPal; their service is terrible, and I do not recommend using them. I opened a PayPal account while I was under 18 and never made any withdrawals. When I turned 20 and tried to withdraw funds, they restricted my account; even after money arrived in the account, it remained restricted, and I couldn't withdraw it. I created another account and submitted all the requested information. When I tried to link my bank account, the system forced me to wait seven days. I waited, and for a month, I contacted them weekly to resolve the bank account issue. They even told me to wait until the 27th. I opened a support ticket, only to be told there was no solution other than waiting another seven days. To this day, I still haven't been able to withdraw my money, nor have I been able to speak with a manager or supervisor to resolve the issue.
I registered as a merchant on Paypal, using them as our payment provider. Got my account limited out of nowhere 3 times without notice, even though I have given them every document they wanted within minutes of requesting them. This lead to many of our customers complaining that checkout does not work. We are happy they finally totally limited our account and there’s no going back, because we are forced to find another, better, payment provider instead of stressing out with Paypal. 0/10 would not recommend this service to my worst enemy. Thanks Paypal for this nightmare, and hope to never see you again!
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