If anyone ever receives a gift or F&F (whatever you want to call it) and the buyer notates what it is for simple refund the payment and let them know they should either leave the fields blank (just type in dollar amount and send) - or cover the fees and pay normally.
There is NOT supposed to be any protection for the buying party in F&F so members shouldn't send it if they don't completely trust the other party.
Being this buyer notated it, I would have refunded him completely and told him I can only accept regular and to tack on the 3% - there should never be any exceptions to this rule, this is why paypal disables accounts.
There's really nothing you can do other than claim you didn't know it was F&F and hope they receive the item.
If the buyer is a member here, please please out them.
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