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I found out today that if you use Paypal Payments Pro you do not have seller protection. I just lost a case when a customer filed fraudulent charges on an online order. I have lost over $400. I am so disappointed in Paypal. When you read the page about Payment Pro I don't see where it states you are not protected as a seller. Here is the link: https://www.paypal.com/us/webapps/mpp/paypal-payments-pro