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Doesn't sound good and if the user has no money for paypal to take, they will give you "Oh I am sorry this user has no money to refund you, but once they have it we will refund you" that happened to me with an item a few years ago. seller closed his/her bank account and paypal could not reimburse me, but I still have an IOU if the seller ever registers again, riiiight it's been years. Be very careful about that.