Regarding my ability to dispute a payment, is there a difference between whether I send money for a 'purchase' of 'goods', or if I send money for the 'personal' reason of 'payment owed'? A seller is requesting money to be sent as a 'personal' 'payment owed' and I want to make sure I'm not being tricked into sending money in a form that I cannot later clawback or dispute if the seller does not come through. Thanks!
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