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danBob, this is not new policy, this has been paypal policy all along. I received a reprint non-sport card for $800, paypal said sorry, you can buy a car and if the seller sends a brick in a box, it is not fraud. Only if the box was never sent. Thank god I used my CC, I cancelled the paypal payment through there. Paypal wrote me screaming that I should use their fraud system, I brutalized them in an email and that was the end of it.