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what is covered under buyer protection if the seller does not have a merchant account
Not exactly sure what you mean by "if the seller doesn't have a merchant account"..?? If you are paying with PayPal, then the seller has a merchant account...which would be their PayPal account.
Details about Buyer Protection can be found here: https://www.paypal.com/us/webapps/mpp/paypal-safety-and-security
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