Fees for Sending Money to Friends and Family
The fees applicable to sending money can be found on the Fees for Sending Money to Friends and Family page and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, you also will pay a currency conversion spread for that conversion. And, if you use your credit card as the payment method when sending money, you may be charged a cash-advance fee by your card issuer.
If you send money to a friend or family member from a third party (non-PayPal) website or by using a third partys product or service, then the third party will determine if the sender or recipient pays the fee. This will be disclosed to you by the third party before the payment is initiated.
You can also use the send money feature in your PayPal account to pay for good or services. You will not be charged for sending money to purchase goods or services as long as you choose the send money to pay for goods and services feature in your PayPal account. In that case, the seller selling the goods or services pays the fees. You may not use the send money to a friend or family member feature in your PayPal account when you are paying for goods and services.
straight from Paypal's site, if you send this guy/girl money and try to initiate a chargeback with paypal because they dont send the item, paypal will tell you to eat dust for sending money via friends and family for a good or service