if you are the buyer, you are covered under paypal protection. The only way you aren't, is if you "gift" the money. NEVER GIFT MONEY! the reason why some people do, is that it negates the paypal fee (it's like 3% or 4%)alright so for selling make sure i receive the payment before i ship it, but ship it soon after the payment is received. but for buying, what happens if i make the payment but the seller never ships the item? does that mean i'm out all the money or what?