Is it safe to buy an item and pay half as a business payment and half as a friends & family payment

[NCFC14]

I want to purchase an bottle of alcohol from the Netherlands and the buyer has asked for the payment to be made as half as business transaction and half as friends & family transaction. Is this safe to do or would you only be able to claim back the half of any not received

[kernowlass · Accepted solution]

@NCFC14 

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), which 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.