I cannot choose/find option for Family and Friends when i send the money

[leaqistina]

I cannot find or choose for options for Family and Friends when sending money. Please help me.

[kernowlass]

@leaqistina 

The friends/family option is not available in every country.

Also even if it is you can't use that option to send to business accounts (if that is what the recipient holds)?

[leaqistina]

Thanks @kernowlass for the reply. The recipient is not having business account since they insist me to use family and friends option because they dont want the money to be hold for 21 days. May I know if Malaysia is one of the country that cannot use Family and Friends?

[kernowlass]

@leaqistina 

I don't think you do have that option however DO NOT use it on this occasion. You would negate your buyer protection and once paid the seller can ignore you.

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.