The main PayPal Credit Card customer service number is 1-844-269-5822
This number connects you to PayPal's dedicated credit card support team. You can call it to ask about your account, report fraud, dispute a charge, or get help with a payment issue. The line is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time. Weekend and holiday hours may differ, so check the PayPal website before calling on those days.
When you call, have your card number and account information ready. The automated system will ask you to verify your identity before routing you to a representative. If you're calling about a specific transaction, have the date and amount handy so the agent can locate it quickly.
Key Takeaways
- PayPal Credit Card customer service is reachable at 1-844-269-5822 during business hours Monday through Friday, 8 a.m. to 8 p.m. Eastern time.
- You can also contact PayPal through the Resolution Center in your account if you need to dispute a charge or report an unauthorized transaction.
- The PayPal mobile app has a built-in messaging feature that lets you contact support without calling, and responses typically come within 24 hours.
- For fraud or a lost card, call when ready rather than using online channels, since the phone line can freeze your account faster.
Other ways to reach PayPal Credit Card support
If calling doesn't work for you, PayPal offers several other contact methods. Log into your PayPal account and go to the Help Center, then select "Contact Us." You'll see options to message support directly through your account, which creates a record of your conversation. Responses usually arrive within 24 hours on business days.
The PayPal mobile app also has a messaging feature. Open the app, tap the menu icon, and look for "Contact Us" or "Help." You can describe your issue and attach screenshots or documents. This method works well if you need to send proof of a fraudulent charge or a receipt.
For urgent issues like a lost or stolen card, the phone number is still your fastest option. A representative can freeze your account when ready and order a replacement card on the call.
What to have ready before you call
Gather these items before dialing so the agent can help you quickly. You'll need your PayPal account email address, your card number (or the last four digits), and your phone number on file. If you're calling about a specific transaction, write down the date, amount, and merchant name.
If you're reporting fraud, have any emails or messages from the merchant, plus a list of the unauthorized charges with dates. If you're disputing a charge, know whether you want to claim it was unauthorized, that the merchant didn't deliver what you paid for, or that the amount was wrong.
If your issue involves a refund, know the original order number and the date you placed it. This information helps the agent pull up your case without putting you on hold multiple times.
Reporting fraud or unauthorized charges
If you see a charge you didn't make, call 1-844-269-5822 right away. Tell the representative that you want to report an unauthorized transaction. They will ask you to confirm your identity and then review the charge with you. Do not pay the charge or contact the merchant yourself first — let PayPal investigate.
PayPal will typically freeze the disputed amount while they look into it. The investigation usually takes 10 business days, though it can take longer if the merchant contests the claim. You won't be responsible for the charge while they investigate, but you also won't have access to that money until the case closes.
Keep copies of any emails or receipts related to the charge. If PayPal asks you to provide evidence, respond quickly. Delays on your end can slow down the investigation.
Disputing a charge through the Resolution Center
For charges that went through but were wrong — such as a duplicate charge, an incorrect amount, or a merchant who didn't deliver — you can file a dispute through your PayPal account without calling. Log in, go to the Resolution Center, and select "Report a Problem." Choose the transaction and explain what went wrong.
PayPal gives you 180 days from the transaction date to open a dispute. The merchant gets a chance to respond, usually within 10 days. If they don't respond or their response doesn't resolve it, PayPal will make a decision based on the evidence you both provided.
If you're not sure whether to call or use the Resolution Center, call. An agent can tell you which route is faster for your specific issue and may be able to resolve it on the phone instead of waiting for a formal dispute process.
What happens after you contact customer service
After you call or message support, PayPal will create a case number. Write this down — you'll need it if you follow up. For fraud claims and disputes, PayPal will send you email updates as the case progresses. Check your email regularly, because they may ask you to provide additional information or clarify something you said.
If you called and the agent said they would do something — like order a replacement card or freeze your account — ask them to confirm it in writing. Request that they email you a summary of the call. This creates a record in case you need to reference it later.
If your issue isn't resolved after the first contact, you can call back and reference your case number. The next agent will have access to your history and won't make you repeat everything.
Frequently Asked Questions
Can I reach PayPal Credit Card support on weekends?
PayPal Credit Card support operates Monday through Friday, 8 a.m. to 8 p.m. Eastern time. On weekends and holidays, you can still message support through your account or the app, but you won't reach a live agent by phone. Your message will be answered the next business day.
What if I'm calling from outside the United States?
The 1-844-269-5822 number is for US customers. If you're outside the US, log into your PayPal account and go to the Help Center to find the contact number for your country. International numbers and hours vary by region.
How long does it take to resolve a fraud claim?
PayPal typically investigates unauthorized charges within 10 business days, though complex cases can take longer. You won't be charged during the investigation, but the money will be held until PayPal makes a decision. You'll receive email updates as the case progresses.
Do I have to call, or can I handle everything online?
You can handle many issues online through the Resolution Center or by messaging support through your account. However, for urgent matters like a lost card or active fraud, calling is faster because an agent can take when ready action on your account.
What if the automated system doesn't understand my issue?
Stay on the line and keep saying "representative" or "agent." The system will eventually transfer you to a live person. If you get disconnected, call back and reference your case number if you have one.