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Help with percentage paid for buyers protection

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New Community Member

Help with percentage paid for buyers protection

Im trying  to buy an item from a seller who wishes to by paid via friends and family, which there is no way i would do as i won't be protected. I've offered to pay the difference if i pay via buyers protection. What percentage does the seller pay, so i can split the difference. 

If it helps, the item is for £180 

Thanks.