Mark_H

I believe that your understanding is correct, your Credit Card transaction is with PayPal and not with the goods/services bought and therefore the protection does not work.

This is why PayPal offer certain levels of Buyer/Seller Protection on some eBay auctions.

It's really just a case of Buyer and Seller Beware! but in my case approx 999/1000 transactions are completely trouble free.

Mr Perceptive