Hey UcrewX5
that's not the case, when you use paypal and a credit card; "Paypal" in the eyes of your credit card company; constitutes as a third party charging service to whom you authorized to use your card . it happened to me and my credit card told me just like that, their words were, "did you allow paypal to issue this charge against your card?" and when I said yes they told me I have to get a credit from Paypal cause it was a legit charge.

I think the simple explanation was, you transfer money from your credit card to paypal, then from paypal to the seller, if you would transfer the credit card money over to the seller directly then you would have protection. Since the credit card has not dealt with the seller directly then they cannot go after him/her for their money back.

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