I often see sellers wanting PayPal payment as a "gift" to get around paying the PP fee and also because they are selling something (firearms) that PP will not allow. If you do that, you have absolutely no recourse. A gift is given with nothing expected in return. You can't undo it and you're not likely to get much help from PayPal if you tell them you were helping scam them out of their fee. Other than that, if you play by their rules and can document things, their protections are supposed to be pretty good. I have not needed to find out.