https://cms.paypal.com/us/cgi-bin/?c..._more&fli=true
When you are not covered:
Items are picked up locally or delivered in person.
You sell services, intangible items, or digital goods.
You receive multiple payments for the same item.
You've received a claim or a chargeback, and the shipped item is found to be significantly different than it was described.
Example: You describe a new laptop, but send a used one.
PayPal Direct Payments
Virtual Terminal Payments
PayPal Business Payments
вот тут еще важный момент, адрес должен быть верифайд
Items that are not shipped to the recipient shipping address on the transaction details page. If you originally ship the item to the shipping address but the item is later redirected to a different address, you will not be eligible for PayPal Seller protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery.