The agreement establishes a 60-day reporting deadline for unauthorized transactions from the date of the account statement on which the transaction appears, after which PayPal may decline to restore funds if it can demonstrate that earlier reporting would have prevented the loss.
This analysis describes what PayPal's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the contractual and EFTA-aligned timeframe within which users must report unauthorized transactions to preserve their right to recover lost funds, with a discretionary hardship extension available.
⚠ Users who fail to report unauthorized transactions within 60 days of the account statement may not recover funds lost after the 60-day period if PayPal can demonstrate earlier reporting would have prevented the loss
⚠ Business account holders who fail to report unauthorized account-number-based debits by 8:00 PM PT on the business day following the posting of the debit are responsible for recovering losses directly from the merchant or originator
Cross-platform context
See how other platforms handle Unauthorized Transaction Reporting Deadline and Liability and similar clauses.
Compare across platforms →"If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.Excerpt from PayPal's User Agreement
REGULATORY LANDSCAPE: This provision reflects requirements established under the Electronic Fund Transfer Act and Regulation E, which govern liability allocation for unauthorized electronic fund transfers.
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This provision establishes the contractual and EFTA-aligned timeframe within which users must report unauthorized transactions to preserve their right to recover lost funds, with a discretionary hardship extension available.
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