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Unfortunately, your friends are correct. There are no refunds or buyer protection with friends and family payments as it is considered a "gift" payment therefore no incentive for the seller to stick around and fulfill your order. You do not "pay less taxes" with friends and family payments. More like "paying for nothing" when its in exchange for goods and services. Never pay as friends and family payment to a stranger for goods...Never. You negate your buyer protection rights. Try filing a chargeback through your financial institution, if you paid with credit card, but beware they may also potentially deny your claim as well since it was a gift payment.