As per my understanding: When paying a store directly with my credit card, I am "protected" against items not as described, or not received...Possibly other situations as well. If approved, this would result in a refund of my purchase that the store has to pay (in addition to a fee of some sort they must pay).
But what if I pay the store with Paypal/Google-Pay/or similar, using my credit card as the source of funds (not a Paypal balance)? In that case, would I still call my credit card company for a chargeback, or would I have to go through Paypal, which I imagine has a totally different set of rules (Paypal claim)? Perhaps I'm protect by both?
Update: Paypal's website states the following:
Chargebacks: When buyers file a complaint with their credit/debit card issuer.
Rather than filing a complaint with PayPal, a buyer
couldcontact their credit card or debit card provider. In this case, they may file a chargeback.
What is a chargeback?
A chargeback is when a buyer asks their credit or debit card issuer to reverse a transaction after it’s been completed. They are available only to buyers who make a payment with their credit or debit card. Because they are initiated with and decided by the debit/credit card issuer (not PayPal), the process is bound by the card issuer’s regulations and time frame.
Notice the use of "
could" in the first paragraph. It almost seems as if it's up to the buyer if they want to go through Paypal's Claim process or the credit card company's chargeback process. In that case, a buyer would be double-protected, so to speak. I wonder if a Paypal were to declare in the seller's favor, if the buyer could then try for a chargeback via the credit card company.