i dont know. paypal was great for me. i had a seller who didnt send me the product so i contacted paypal, they went to the plate for me. they emailed the seller and told him that if they didnt get a response back within 5 days they would re-credit my credit card and take the money out of his bank account. well...the guy responded to paypal's email and emailed me and paypal with the tracking number and apologizing the very next day.