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The pending status is between you and paypal and the buyer has nothing to do with it.
The buyer can't cancel a payment that is pending in your paypal account as it would show as completed on their side.
The only way a buyer can get a refund from you is to open a paypal dispute for non receipt of item OR item received but not as described and IF they win then you would have to refund even if those funds were already in your bank account.
Your best bet is to actually go and read up on paypal seller protection so you can risk assess your own transactions.
These links should explain it better for you.
https://www.paypal.com/us/smarthelp/article/why-is-my-payment-on-hold-or-unavailable-faq1987
https://www.paypal.com/us/smarthelp/article/faq3743
Advice is voluntary.
Kudos / Solution appreciated.
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