Don't ever lie to paypal, that will screw you in the end..... If there was no signing of contracts or anything of the like, then don't worry about it.... Explain that there was no reason for her to be filing a dispute or claim as it may end up being, because the product was delivered electronically. There is no record of delivery because of such. Therefore, if this was, and you are claiming it to be such, there was no "tangible good" to be delivered... That should help you in your claim.... And possibly win it if you are truthful and patient... If she makes a chargeback on her cc, if she paid via one, that could take up to 6 months.... I just got my money back from a chargeback last week and it was in nov/dec 2009 when it was placed..... So yeah... Good luck