It depends on if you used Paypal to pay with your credit card. If you used a credit card, you have the option of doing a chargeback based on the credit card company's rules and deadlines rather than using Paypal's internal "dispute" process. Just ask your issuing bank. While 45 days might be the limit the for filing an internal Paypal "dispute", it is almost certainly not to late to get your money back with a chargeback. Just ask your issuing bank.