High-risk merchant accounts from PayPal provide complete protection against chargebacks with its multiple layers of security. Each seller is covered for eligible transactions via the protection program that ensures sellers are guarded against unauthorized purchases and claims for items not received. PayPal uses advanced algorithms for fraud detection to continuously analyze transaction patterns and flag anything suspicious in real-time. Verifying customer information before any payments are settled includes address verification systems and CVV checks. PayPal also utilizes rolling reserves to offer a financial cushion against any negative financial fallout from potential chargebacks. For physical goods, they may also require shipment tracking. Every merchant also has a dedicated support team through PayPal's dispute resolution center, and part of their documented process includes transaction documentation that merchants can utilize to fight any illegitimate claims.