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PayPal question

I’ve noticed the last couple of times I have sent a PayPal payment directly from the site (as opposed to checking out on eBay) that there is no longer a distinction between Goods & Services vs. Friends and Family. It seems the only distinction is you can check a box for some kind of “buyer protection” which then seems to incur a fee for the recipient.

Is that the new norm in everyone else’s experience?

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