PayPal (eBay owns PayPal) makes a distinction between ’paying for goods’, and ’sending money’
No protection of any kind if ’sending money’. It’s friends or family, too easy for fraud ...
Therefore, insist on seller sending you an invoice thru PayPal, then you qualify for PayPal/eBay buyer protection.
I sent money, no invoice, not eBay, item on Canada Audio Mart, item received smashed. Absolutely no help from PayPal, except ..
My credit card said
1. we temporarily hold transaction, you don’t need to pay us, no interest will be applied.
2. if not resolved by my efforts, in 14 days their computer will automatically make a claim to PayPal.
3. PayPal will make a claim to recipient of the money
4. If not resolved, PayPal will cancel that person’s PayPal account.
When I told my seller this, he took a few days to consider ... then refunded me in full.
I never found out how I might have been covered by CC if all attempts failed.
Oh yeah, it was a Vintage TT, and during the shipping damage claim the Canadian branch of UPS determined "it's a collectible, we don't insure collectibles" (after selling the insurance). So, make sure seller does not label it's age, vintage, ..., just TT, whatever