They did say personal payments are not eligible up there in the fine print you quoted. However I do agree that it's not made very clear because f+f payments are not labeled as 'personal payments ' anywhere else. I agree with you that there should be a warning or a notice of some sort, even a check box to ensure everyone sees it and knows . It would prevent people from being duped' and save PayPal from having to argue with anyone about whether they'd been made aware of this policy if there was a check box next to every friends and family payment.
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