Originally Posted by Boxne
PayPal allows a customer to complete a chargeback within 45-days!
No they dont. Paypal allows you to open a Paypal Claim within 45 days, this is totally different to a chargeback.
A chargeback is initiated by a card provider and can be started within 120 days.
You will find that if you have used Paypal some banks/card providers wont allow chargebacks as paypal is a 3rd party payment service, so any disputes needs to be started through paypal.
you will need strong evidence to fight a Paypal claim and win, but either way if a client submits a claim then their account get suspended pending termination.