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Can You Refunds Friend And Family PayPal

By David Krug 4 minute read

One of the world’s largest online marketplaces, PayPal is owned by a global corporation. In the world of buying and selling, refunds are a typical activity. Fortunately, refunds are rare.

PayPal Friends and Family payments may not be eligible for a refund, however I did some research on the subject and came to the following conclusion.

A PayPal Friends and Family Refund Is Expected In 2022

PayPal Friends and Family payments made in 2022 will not be eligible for refunds. Friends and Family payments aren’t covered by PayPal’s Purchase Protection Program, thus this is the reason. It’s possible to cancel an upcoming payment, or you may ask your friend or family member to repay you for it.

Continue reading for more information about PayPal Friends and Family FAQs, such as how to cancel payments.

How Do I Cancel a Friends and Family Payment on PayPal?

Fortunately, you have the option to cancel your Friends and Family payment as long as it is still outstanding. To cancel a PayPal payment, follow these instructions:

  1. To begin, go to or the app and log in.
  2. Once you’ve done that, click on the “Activity” tab.
  3. Click “Cancel” when you’ve located the payment you wish to revoke. Under the payment, you’ll see the option to cancel. However, if it is missing, you cannot cancel the payment.
  4. Click “Cancel Payment” at the end to wrap things up!

You can also ask a friend or family member to “reimburse” you if you can’t cancel your payment. You can’t get a refund or file a complaint if they won’t repay your money.

The only way to get your money back is to contact PayPal directly and request a refund (you can contact PayPal customer service here).

In reality, this is unlikely to have any effect because PayPal does not cover purchases made by friends and family.

What’s the Difference Between Goods and Services Payments and Payments to Friends and Family?

Friends and Family and Goods and Services payments have only a few variances. Unless you pay with a credit card, you don’t have to pay any transaction fees for sending funds to friends and family.

There is no need to pay any fees if you use your credit card to make a transaction. Friends and Family payments, on the other hand, allow the sender to charge the receiver directly.

However, keep in mind that the transaction will be treated as a Goods and Services purchase and hence be protected under PayPal Purchase Protection. When you use Goods and Services to pay for goods or services, the merchant pays a charge to collect your payment, and your transaction is always covered by Purchase Insurance.

For one thing, you cannot get a refund with Friends and Family payments, although you may in the case of Goods and Services. Because Purchase Protection does not apply to Friends and Family payments, this is the reason.

What Happens if I’m Scammed by a Friend or Family Member?

Because PayPal’s Purchase Protection does not cover Friends and Family payments, it is difficult to report frauds involving Friends and Family. PayPal Friends and Family scams may be reported to the firm via the resolution center in your PayPal account if you are the victim of one.

PayPal now gives you 180 days from the date of the alleged fraudulent behavior to file a complaint. The following procedure can be used to report suspected fraudulent activity:

  1. Before anything else, you’ll need to access your PayPal account. Payments must be made via rather than the app, as the resolution center can only be accessed through PayPal’s official website.
  2. The “Resolution Center” may be found when you log in.
  3. Click “Report a Problem” afterward.
  4. The next step is to choose the payment that’s causing the issue and then click “Continue.”
  5. At this point, you have three options:
    1. “I didn’t receive an item I purchased”
    2. “The item I received was significantly not as described”, or
    3. “I want to report unauthorized activity.”
  6. After you have selected the reason, click “Continue”
  7. Follow the steps to finish reporting the fraudulent activity

Due to the fact that PayPal does not safeguard Friends and Family payments, the only way to get your money back is to go to your bank or credit union and have them check into the charge and cancel it at the source. Contact your bank or credit union and follow these steps to report any suspicious activity:

  1. Contact your bank or credit union
    1. On the back of your credit card, you should see a phone number for your credit union.
    2. If you have a debit card, you can call the phone number on the back of your card or go into your banking app and find the customer support phone number.
  2. Explain the situation and follow the directions provided
    1. You may be asked to provide several details about the transaction
    2. You may also have to get a new card

Bottom Line

The Purchase Protection program does not cover payments made through PayPal Friends and Family, so you cannot get a refund, file a dispute, or make a claim if anything goes wrong.

When it comes to Friends and Family payments, you can either cancel the payment or your friend or family member can “reimburse” you. Alternatively, you can contact PayPal customer service or your bank.