Does the pay options (business vs friends) change the speed of payment?

[A9LastHope]

I was told by a seller that they refunded the payment because I chose "pay for business and goods" under the cause that this type of payment takes longer than "pay friends or family". I have suspicious under the fact that this person is trying to get me to pay using "pay friends of family" since this doesn't have any sort of payment security.

[kernowlass]

@A9LastHope 

A friends / family (or gift payment) is intended as a transfer of funds from family or friends to one another. For this reason, there is no processing fee when payment is made with bank or PayPal balance.
However as it is a gift payment, there is also no buyer protection as no goods or services should have been exchanged.

If he was not a close mate or family member you should never use that option as it enables the seller to evade paying his Paypal fees and negates your buyer protection at the same time.

You would also not be able to open a dispute (apart from one citing an unauthorised transaction), which would be automatically closed as you did authorise the initial payment.

Be careful as using that option for purchasing goods is against Paypal rules and can lead to account limitation. Report the seller to paypal there is a link on paypals acceptable use policy > legal bottom right of this page > acceptable use policy.