Payments made in person via PayPal World QR code have no Purchase Protection at all. Other in-person PayPal payments cannot use 'Item Not Received' claims but may use 'Significantly Not as Described' claims if the item is wrong.
Using PayPal World via QR code for in-person purchases provides zero Purchase Protection coverage — if the transaction goes wrong, PayPal offers no refund pathway under this program, regardless of the circumstances.
Cross-platform context
See how other platforms handle QR Code and In-Person Transaction Exclusions and similar clauses.
Compare across platforms →As PayPal expands in-person and QR code payment use cases, consumers making in-person purchases via PayPal World are completely unprotected, which creates a significant gap in buyer protection that may not be apparent at the point of payment.
(1) REGULATORY FRAMEWORK: The exclusion of PayPal World QR code payments from Purchase Protection engages FTC Act Section 5 disclosure requirements and CFPB UDAAP standards if consumers are not informed of this exclusion at the point of in-person payment. State consumer protection statutes may impose point-of-sale disclosure obligations. As PayPal World is a newer product, regulatory treatment may evolve. (2)
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