Can't do a payment friends and family after a refund

[tommjo8]

I can't complete a payment after I received a refund. The payment is "friends and family " The seller won't accept "goods or services " payment. Don't know why that would be a drawback for him but he won't. Have tried several different PP accounts with the same amount but it fails every time.

[kernowlass · Accepted solution]

@tommjo8 

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.

If you funded your Paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately they may decline as well as it was a gift payment.

[tommjo8]

Thanks. It might be a fraud since ha absolutely don't want me to use goods and services. I would gladly pay extra for his fee but won't let me.