Information

[Cam20]

How can i pay someone for a product that has not yet been delivered to me. And still have my money secured in case they do not deliver product.

[kernowlass]

@Cam20 

That depends on many factors all listed in Paypals buyer protection policy for you to read and then you can risk assess your own transactions.

[Mmolina710]

I’m trying to figure out the same thing before making a purchase. Do you know if we transfer through friends and family if we’re able to file a dispute or anything in case it doesn’t work out?

[kernowlass]

@Mmolina710 

A friends / family (or gift payment) is intended as a transfer of funds from family or friends to one another. For this reason, there is no processing fee when payment is made with bank or PayPal balance.
However as it is a “gift” payment, there is also no Buyer protection as no goods or services should have been exchanged.

If he was not a close mate or family member you should never use that option as it enables the seller to evade his paypal fees and negates your buyer protection at the same time. That is also why you would be unable to open a dispute apart from an unauthorised transaction (if your account was hacked and used without your consent).

You also risk having your account limited for using this option when you are purchasing goods as its against Paypal rules.