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There is no valid reason for a BUYER to request that they pay via "Friends and Family" (peer to peer money transfer). Buyers pay NO fee for the purchase of an item using the normal PayPal system AND they get full buyer protection then if they do. With peer to peer there is no buyer protection since nothing is (theoretically) being bought or sold. If a BUYER requests "Friends and Family", they probably have an ulterior motive.
SELLERS often request payment via peer to peer money transfer to avoid fees (2.9% + $.30) and maybe to avoid PayPal's Buyer Protection too. If the seller has not priced his item to take into account the fees for a normal transaction, and if you don't know and/or trust the seller, it would be a good idea to insist on a standard PayPal transaction...even if you have to pay the fee in the form of an increase in the price.
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