PayPal does not cover virtual goods in their "Buyer's Protection" policy. Something scammers and frauds take advantage of. If you can slide on the fact you paid for a Target digital gift card, you will possibly get your money back. If you point attention to the fact is a digital good, PayPal will close your case and award the seller with the money. PayPal is tricky, and should never be used to sell things because of it's security defects.
Actually they have for me a number of times (once for a SB scam from here and twice from SB gift cards purchased on eBay). Of course YMMV but maybe it's because I have been selling & buying using PayPal for well over 20 years and rarely had problems. I believe there is no SELLER protection for digital goods but BUYERS are still covered.
PayPal will cover pretty much any site. Ebay included. In their policy, https://www.paypal.com/webapps/mpp/security/buyer-protection they don't cover digital items between people's transactions. Perhaps Ebay shopping is better, or Bitcoin and an escrow.
Interesting because PayPal recently paid my claim against seller Dikisu from here who I sent $25 for SB card (1/2 up front bal on receipt) but he never delivered. I also had one for a $150 eBay SB card purchase that I never got and they paid that without question. This was last summer. I told them exactly what I purchased. No problem collecting. As I said, it could be because I have been with them for over 20 years with very few claims. There are also many phony claims against LEGIT SELLERS as well by a scamming buyer trying to get free stuff which is why I assume they are selective in their refunds of digital goods. If the seller doesn't respond to the filed complaint of the buyer they will pay out. If the seller disputes the buyers complaint it might be a different result. Over the years my business has easily run over $1,000,000 through eBay so it is possible I am treated a little different.
