After receiving an invoice from a paypal business requesting friends and family payment, even though I didn't even know him, I paid the invoice. Although PayPal is suppose to NOT ALLOW a business to ask for friends and family pay, they did. The PayPal user knew what he was doing and when disputed, he and his wife said "too bad" you paid with friends and family and you can't dispute it. I'm out $1800 and didn't receive anything for it. He refuses to refund any of my money, and much to my surprise, PayPal backed him. He even put it in writing he was avoiding charges by doing this, so PayPal didn't even receive their fees. I thought something was odd about his request, a $1800 lesson to learn PayPal's rules and how to rip someone off that isn't familiar with this.