The buyer is not AT ALL protected by PayPal. I received a notice late Friday afternoon (of course) stating my account was frozen because of "unusual activity" associated with my bank account linked to PayPal. (Funny, my bank has never considered any of my activities unusual, and PayPal wastes NO time in instantly ACH-ing (transferring) the money from my bank account into PayPal. They then went back 19 transactions for which they already cleared to the seller and put temporary holds on them. This pisses off sellers and keeps the money... read full review »