Based on my short amount of research, the way the Prepaid PayPal card works is the same as a debit card. It is created through Bancorp Bank and you have a variable amount of locations you can reload your card that will reflect on to your paypal account if you decide to link it through that. Imagine it as the debit cards you can buy at Walmart, it's basically the same result. As far as chargebacks go, it still depends on the route you take to make a transaction.