Who pays the chargeback from bank?

[ckbui]

If the sender chargebacks through their bank from a friends and family transaction (since paypal doesn't protect this transaction), am I responsible for paying back the money sent to me?

[DPCreations]

It will be automatic.  PayPal doesn't give youprotection for unauthorized charges by someone not authorized to use the sender's PayPal acocunt.

[ckbui]

Sorry still a little confused. If the person who sent the money through friends and family, and they dispute/go to their bank for a refund, will paypal deduct the money from my account that they sent me?

[DPCreations]

YES.  It will be automatic.  

[Whac-A-Mole]

if you lose the chargeback and with unauthorised transaction,sellers will lose,there is a chargeback fee of $20 to pay,

PAYPAL has way to determine if it is unauthorised or not,so does Ebay.