Here is what is displayed when you choose to make a payment thru F&F You're sending with PayPal Balance (USD)$0.02 Change Payment Method Fee $0.00 You'll Pay$0.02 View PayPal policies and your payment method rights. Send Money NowCancel If you click the Paypal Policies link, this is the portion of the page describing "Purchase Protection" " Payment Method Rights and Remedies PayPal Purchase Protection PayPal Purchase Protection (also known as PayPal Buyer Protection) applies for certain, qualifying purchases regardless of the payment method. For these qualifying purchases, PayPal will cover you for the full amount of the item plus original shipping costs if you do not receive the item or if you receive an item but it is significantly different than the description the seller provided. To receive reimbursement for items that are significantly not as described, you will be required to return the item to the seller, or in some cases to PayPal, and to pay the return shipping costs. PayPal Purchase Protection is not available for personal payments and other ineligible purchases. To be eligible for PayPal Purchase Protection, you must file a Dispute in the PayPal Resolution Center within 180 days of the date you sent the payment, escalate the Dispute to a Claim within 20 days of the date you filed the Dispute, and meet the eligibility criteria as listed in the PayPal User Agreement." Nowhere does it say "Friends and Family option is ineligible." That would be a simple fix. The way I see it is this. If I were Paypal and knew there is a group of people using my system to scam people. I would not want to be on the hook for their criminal actions (Having to reimburse a customer for the sale of an item and shipping costs that never is actually shipped) for an example. So why not create a second payment form where Paypal accepts no liability for resolution?, and to incentivize the crooks to use that system, why not allow the crooks to pay no fees for the service? Now paypal is not on the hook for the criminal actions and Paypal will still collect the 2.9% fee when the crooks make "Legitimate" purchases from their Paypal accounts. After all, won't the crooks want to spend that money as soon as possible? They certainly wouldn't want to transfer it to their bank account. That's all good for the crooks and good for Paypal.
... View more