Purchase/Seller Protection and private sales

[drifterramirez]

I see some relative posts, but have not seen an answer to my specific question.
I'm looking to buy a computer component from a seller. I understand that I can mark a payment as for Goods/Services to be covered by some of Paypal's protections. 

My question is this: Is this possible if the seller only has a personal account? Or do they need a Paypal Business/Merchant account? The literature online says that seller protection is included for free with some transactions with a Business account, but is it available at all for two users with personal accounts?

Thanks in advance!

[kernowlass]

@drifterramirez 

As long as someone is selling goods or services then it makes no difference on account type.

You have buyer protection as long as you don't use the friends / family option OR a personal account paypal.me link UNLESS you mark it goods / services during the payment process.

However buyer protection is not a 100% coverall so your best bet is to read up on it so you can risk assess your transactions.