Paypal gift (Friends and Family) is a different product and I always know there are no protections. That is also why I don't mind taking it or giving it with most on this board, especially folks I know. This board is a bit different than most BUT WE ARE getting to be quite large. So, if you feel uncomfortable I strongly recommend using regular paypal and paying the fees. I do pay paypal fees many times because I want the protection.
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Leon Luckey
www.luckeycards.com
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