I'd be interested in seeing the money back clause you refer to, maybe I could send a copy to all the buyers who were left hanging.
"PayPal Purchase Protection (also known as PayPal Buyer Protection) helps you if you encounter either of these problems:
1. You did not receive the item you paid for with PayPal – “Item Not Received” (INR), or
2. You received an item you paid for with PayPal but it is “Significantly Not as Described” (SNAD) (as described below)
"13.4 Coverage Amount. If you are eligible for PayPal Purchase Protection and PayPal finds in your favor on your Claim, PayPal will reimburse you for the full purchase price of the item and original shipping costs – with no cap on coverage."
13.2 Eligibility Requirements.
a.To be eligible for PayPal Purchase Protection you must meet all of the following requirements:
•Pay for the eligible item from your Account.
•Pay for the full amount of the item with one payment. Items purchased with multiple payments – like a deposit followed by a final payment – are not eligible.
•Send the payment to the Seller through:
“Pay Now” button or the eBay invoice; or
•the “Send Money” button of your Account by selecting “eBay
Item” and entering your eBay User ID and the eBay item number for purchases on eBay website; or
•the Send Money tab on the PayPal website, by clicking the “Purchase” tab, or by selecting the “Checkout with PayPal” button
or otherwise selecting PayPal as part of a Seller’s checkout flow.
•Open a Dispute within 45 Days of the date you sent the payment, then follow the online dispute resolution process described below under Dispute Resolution. For Pay After Delivery transactions you must open your Dispute within 45 Days of the date of your transaction.
•Have an Account in good standing.
b.For items purchased on eBay
look for either a PayPal or eBay
purchase or buyer protection message in the eBay listing. If you see a message, and you meet the eligibility requirements, then your purchase is covered by PayPal Purchase Protection. The purchase or buyer protection message will vary based on the eBay website. The message must appear on the top part of the listing
and not under the “Description” or “Shipping and Payments” tabs. If the listing
does not include the purchase or buyer protection message, then it is not eligible for PayPal Purchase Protection.
They basically talk ebay, and are silent on off ebay protection. I'd use a credit card, that eliminates any concern of fraud. Many FM sellers will not accept credit cards thru paypal, that eliminates them from any concern for me.
FM does not offer any guarantee or buyer protection, or help with a transaction, even though they are making money by charging sellers. You are on your own trying to convince paypal that you did not get what was advertised. Since a seller can edit his listing, it might not say the same thing after you receive the box of dirt.
Here is one of many posts made by FM buyers who got burned.
Total Posts: 562
p.1 #22 · Paypal Gift - Please read
Unfortunately, PayPal will always side with a buyer who wants to defraud a seller, and the seller has no recourse, so the same rules about checking references and only dealing with established members applies to using regular PayPal just as it does to using PayPal Gift.
Not true. Recently I sold a lens on eBay and the buyer claimed that he never received it, though the tracking number showed "delivered". He opened the case and it was closed in my favor the same day. I always pay extra for delivery confirmation not to mention the pictures I take when I pack the goods and seal the box. This way no one can claim I sent out a brick instead of a lens.
What applies to Ebay purchases does not necessarily apply to outside Ebay like here.
Last year, I bought a lens on this forum paid withregulat Paypal.Never received the lens ,contacted Paypal , won my case but the guy had emptied his bank account so I got an email saying that
when he replenishes (yeah right) his bank account , then and only then, they will refund.
Thanks to some members,they tracked him down and I eventually got my lens,only due to the
diligence of this community.
Sorry,long but true story.
As you can see, Paypal may not refund, they try to get the money back out of the sellers account, but if he has emptied it ...
Beware of Paypal's silence on issues outside of ebay.