I think many people in Germany actually have their bank account linked with PayPal, not their credit card. So PayPal uses direct debit to get the money from the

I think many people in Germany actually have their bank account linked with PayPal, not their credit card. So PayPal uses direct debit to get the money from the customer and "floats" the payment to the merchant. Direct debit payments in the EU can be reverted within 8 weeks with just a few clicks in your online banking. Those cost around 8€ to whoever debited (I think thats cheaper than CC chargebacks?). I've never done it, but I think you don't even have to put a reason. That just starts the process though, so they might have to add more information later.