Sending a personal payment as opposed to a purchase payment using Paypal.

[Philip63]

If I send a payment for goods purchased on Facebook marketplace using the personal (pay friends and family option. Instead of the purchase (get a refund for eligible items) option. Will I still be eligible for a refund if anything goes wrong because I sent it as a personal payment instead of a purchase payment? Thank you

[Heer_S]

Hi @Philip63,

Thank you for the post. I understand you would like to know if you are eligible for a refund on personal payment made to purchase goods. I would say, to get the refund, you need to work with the merchant or the seller directly. PayPal Protection Policy applies only on Goods and Service payments used to make any purchase through PayPal.

Let the Community know, if you have further questions.

Heer

[Tiouye]

Hiii guyss

[kernowlass]

@Philip63 

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.