Need PayPal Help!

Hello! So im using ExpressVPN on my paypal account to send a payment, the reason is becasue i want to be secure so if i get scammed i will do an unauthorized chargeback. But when i try to send the payment i get the message "Sorry, we cannot send your payment right now" I tried calling them but they need my mothers name becasue she is the name on the account. If i let her answer the security question and they send the payment would i still be able to do an unauthorized chargeback if i get scammed and win it?