Money request - friends and family?

[Booperelli]

How do you tell if a money request is friends and family? It says 'payment for: goods' does that mean I have buyer protection?

[DPCreations]

Have you already sent the money or are you getting ready to send?

Is this money a gift or for a purchase?

Payment for goods and services means just what it states; it is for a purchase.

Friends and family is a gift to someone else and there is no fee.