Hi jcash74-
This is a seller either a) attempting to avoid paying fees for the processing of their transaction or b) attempting to void your ability to dispute the transaction.
For any type of PayPal account, we've added an option for Personal Payments...you can toggle to this option from the PayPal Send Money screen. If a person sends a Personal payment funded by their PayPal balance or fully from their bank account, the recipient is not charged a fee. Options for Personal payments include: Gift, Payment Owed, Living Expense, Cash Advance or Other.
However, because these transactions are of a personal nature and not for a purchase, they can't be disputed.
Thanks,
Jason
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