When you make a purchase through PayPal, you have the option to use PayPal Credit. This allows you to finance your purchase through PayPal, and then pay the money back over time. If you decide to use PayPal Credit, and then later decide that you don't want the item, you can initiate a chargeback through PayPal. This means that PayPal will refund your purchase, and the merchant will not receive any money.
PayPal's steam chargeback services allow customers to file a chargeback against a merchant through PayPal. This service is available for customers who have used PayPal to pay for goods or services through steam, and who have not received the goods or services they paid for.
Overall, using Steam with PayPal can be a great experience if gamers are careful with how they handle their accounts and transactions. If something goes wrong, PayPal's customer service is top-notch and gamers can usually get their issue resolved relatively quickly. The only real downside to using PayPal with Steam is the potential for fees, but even those can be avoided if gamers are smart about how they use their account.