G&S is designed for purchases, and funds sent through this method are subject to PayPal fees. Everyone despises fees! However, if the item you purchase is not as represented, is damaged when it arrives, or never arrives, you can often quickly obtain a refund.
Even though it is legally illegal, many firms conduct transactions with a PayPal business account and accept payments for goods and services through F&F. The buyer may not notice or care about the difference, or the company and the consumer may agree to provide cash to avoid seller costs. This is extremely frequent in many informal transactions, such as persons selling items on social networking sites – perhaps the buyer knows the vendor personally and has faith in their ability to deliver. Sometimes vendors insist on F&F in order to reduce transaction fees, which poses issues if something goes wrong later on.
