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Advice please. If someone wanted to sell me something and

I say can we do it through PayPal and we agree on it. For me to be protected, do they need to create an invoice on PayPal and send it to me for me to be covered. They can't just say, send the money to this email address. I would not be covered then?

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On Paypal you can pay to "merchant", even if the guy you are paying to is a normal person and not a company. You will have to pay a small fee, but an invoice gets created. The seller can now give you the service/product, since they actually got money, but they are in a "frozen" state, so they cannot withdraw them

I hope it’s not crypto you’re selling. You’re not protected by that. They’ll do a charge back.

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