Some guntrader Buyers who use, PayPal transfers may be being encouraged by sellers to make payments via its ‘friends and family’ option instead of ‘goods and services’. These buyers are unnecessarily leaving themselves without payment protection and are even at risk of losing their money.
How does PayPal’s ‘Buyer Protection’ work?
Making PayPal payments using ‘Friends and Family’ is not recommended UNLESS the person you are transferring to is, as the name suggests, family or friends.
If you are buying from an unknown seller or retailer, the only PayPal payment method you should be using ‘Goods and Services’ will be covered by PayPal’s Buyer Protection.
By using this service, PayPal will fully reimburse you for the cost of the item and delivery if your order does not arrive or match its description.
Here is how you can make a claim:
First dispute the transaction (within 180 days of making the payment). To do this, log in to your PayPal account, then click on ‘Dispute a transaction’ under ‘Report a problem’. PayPal says it will facilitate communication between you and the seller to try to work things out.
Still unhappy? Escalate your dispute into a claim (within 20 days of opening a dispute). To do this, log in to your PayPal account, click on your existing dispute and choose ‘File a claim’.
For more info, see PayPal’s Problem with a purchase page.