I'm trying to buy something and the person says they can't do 'Goods and Services' as their account isn't set up for it, do you need to set up your account to provide buyer protection or are they trying to scam me?
If they ask you to pay via friends / family then......................
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 is 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.
Advice is voluntarily given. Kudos / Solution appreciated if I helped you.