Scammers often pressure buyers to use the friends-and-family option to avoid PayPal's buyer protection — this clause confirms those payments receive zero coverage.
This document directly governs your right to a refund when PayPal purchases go wrong, but the extensive list of exclusions — including friends-and-family payments, gift cards, NFTs, and in-person collections — means many common transactions are not covered. PayPal retains sole discretion over claim outcomes, and if a temporary refund is issued but later reversed, PayPal can debit your account with only 5 business days' notice. You can file a dispute through PayPal's Resolution Center at paypal.com/disputes within 180 days of your transaction date to initiate a claim.