In 2022, PayPal will be changing its policy on chargebacks. Currently, if a customer disputes a charge with their credit card company, PayPal will refund the customer and then seek reimbursement from the merchant. This policy will be changing so that PayPal will not automatically refund the customer, but will instead investigate the dispute and determine whether or not to refund the customer based on the evidence provided. This change will help to reduce fraudulent chargebacks and should help to keep more money in the hands of honest merchants.