I have 1,323 purchases over 20+ years from ebay. A few I "Did not receive the item". 12? total. Emailing the seller. I got credited for most of the items. A few I filed a "Dispute" with ebay after "no replies" from the seller. I had proof thru ebay's messaging that I made multiple attempts to contact the seller. I did have to wait a couple weeks after filing the Dispute. I got a refund from ebay.
All purchases were thru PayPal. I paid PayPay with my American Express Business Gold card. Problems? Ebay, then PayPal, last resort American Express.