If I send money to a seller using family/friend so it can process quicker am I covered?

[MisterT777]

I want to send a seller this payment we tried sending it to him as a buyer and we waited 24hrs ad it did not process so he wanted to receive his money a different way. If I send it to him as a gift can I dispute it later if there's an issue, I check his website and everything and he seems pretty legit I just want to be extra careful.

[kernowlass]

@MisterT777 

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 paying his paypal fees and negates your buyer protection at the same time.
You would also not be able to open a dispute apart from one citing an unauthorised transaction but that would be automatically closed as you did authorise the initial payment.

Be careful as using that option for purchasing goods is against Paypal rules and can lead to account limitation.