PayPal The other week I complained online about how PayPal let their customers down with a 45 day opt out clause which means that they don’t look at claims over 45 days old. I butted against this recently with a fraudulent trader who was not going to supply me the product I’d used PayPal to purchase. I have the feeling that the first tier of customer support has to enforce the 45 day rule, but as soon as I tweeted them, they responded very well.