They said this… · Banking & payments

“Section 75 can never apply if PayPal or another payment intermediary was involved”

It depends

An intermediary can affect the required debtor-creditor-supplier chain, but the answer depends on the payment structure rather than the brand name alone.

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Why this answer

What actually matters

  • Different PayPal/payment flows can operate differently.
  • The bank should analyse the actual transaction chain.
  • Chargeback or intermediary buyer protection may also be relevant.

What you could say

Keep the response tied to the actual rule.

Evidence

What to have beside you

  • Card statement and transaction record
  • Underlying contract/order and evidence of breach or misrepresentation
  • Correspondence with the supplier
  • Bank decision and the scheme or legal basis it says it applied

If they still refuse

Move the dispute forward.

  1. Ask the bank to identify whether it assessed Section 75, chargeback or another route.
  2. Keep the underlying merchant evidence: the bank cannot sensibly assess the derivative dispute without it.
  3. Escalate eligible complaints to FOS after the firm’s complaint process.

Read the full rules

Go deeper before escalating.

Primary guideRead the detailed ConsumerWise guidance.Section 75Read the full guide.ChargebackRead the full guide.Banking & PaymentsRead the full guide.