I will tell you a little story about Paypal and how heavy handed they are. I had some people paying me as a gift even though I didn't ask and at one point Paypal got wind of it (large amounts is a tip off to them) and they FROZE my account. I had maybe $ 20,000 in there from business transactions and they told me 'if you want your money build your account up to 100,000 and then you can withdraw OVER that amount'... lol ya right... WELL, it literally took me a month to BEG and I mean BEG them to get them to release my funds to me. And frankly the only way they did it is they looked back at my history and saw some funds coming in for my children's hospital game donation charity and they asked about it and I explained what I had done donating 5 WOZ's to hospitals. I think the person I was dealing with just then felt a soft spot and lifted the freeze. BUT they took the gift option away from my business account AND my personal account as well. So... If you want your money DON'T use F&F - it's clearly used to avoid paying them their fees they honestly do deserve and if they catch you trust me it's not fun. If you're sending $ 20 here and there ya, but if you're sending 1000's then be prepared to be flagged and at some point called to the carpet. I will add there is no reasoning with them no matter how much you beg - they have you over a barrel and pretty much tell you so. Imagine putting your money in a bank and not having your bank give it to you when you want it.... THAT's what it was like... Wasn't fun. I need them for my business so I had to agree to anything they demanded. My advice, don't do it. This is probably a reason nobody would think of unless you were in my shoes. And the whole dispute thing as well - all your buyer has to do is get home and say a rubber is worn and he didn't get what paid for and BOOM, your money will be frozen while you fight a dispute.