Venmo Purchase Program:
Venmo Purchase Program is only available for purchases made on an authorized merchant’s app or mobile website using Venmo or when using the Venmo Debit Card to complete a transaction. For these qualifying purchases, Venmo will cover you for the full amount of the item plus shipping costs if you do not receive the item or if you receive an item but it is significantly different than the description the seller provided. Protection is not available for payments sent from within the Venmo app or on Venmo.com (including, without limitation, any person-to-person payments sent using Venmo), or any other ineligible purchases.
For full eligibility and claims details for Venmo Purchase Program, please review the Venmo User Agreement.
Credit Card Protection:
You may pursue a claim under Venmo Purchase Program, or you may contact your credit card company and file a chargeback. You may not pursue both at the same time or seek a double recovery. If you have an open Venmo Purchase Program claim with Venmo, and also file a chargeback with your credit card company, Venmo will close your claim.
If you pursue a Venmo Purchase Program claim with Venmo and if you do not receive a full recovery, you can then file a chargeback.
Credit card companies must abide by these statutory guidelines, including but not limited to the following:
If a consumer claims a "billing error" because an item is not received or is refused at the time of delivery, the card issuer is obliged to investigate, resolve, and to correct written claims filed by the consumer within 60 days of receipt of the applicable credit card statement. If a consumer claims a dispute with a merchant, the card issuer is obliged to investigate and resolve consumer claims, provided the consumer: (i) has not paid for the charge (ii) has made a good faith attempt to settle the dispute with the merchant (iii) lives in the same state as or within 100 miles of the merchant and (iv) paid more than $50 for the item.
You should contact your credit card issuer to learn more about your rights and remedies.
Debit Card Protection:
Your debit card issuer is not required by law to provide you with protection against items that you do not receive or that are significantly not as described. Many debit card issuers voluntarily provide protection similar to the chargeback rights provided by credit card issuers.
Venmo may process debit card transactions through either (a) an ATM debit network such as STAR or NYCE, or (b) a Visa or MasterCard network. Transactions processed through the Visa / MasterCard network may give you additional protection compared to the ATM debit networks. You should contact your debit card issuer to learn more about your rights and remedies if you pay with your debit card.
Bank Account Protection:
Your bank is not required by law to provide you with protection against items that you pay for with a bank transfer but that you do not receive or that are significantly not as described. You should contact your bank to determine if they voluntarily provide any purchase protection.