I refuse to pay via gift payment, or to receive gift payments for non-gifts. The former makes you vulnerable, the second is in direct violation of Paypal policies, and can get your account frozen. For an average of about 3.5% savings, which is the terms the credit cards give to small retailers, you are risking a lot, either way. imo, totally not worth it. Same goes with people not insisting on insurance and tracking. It's false economy. Thanks for responding, Fok. I usually try not to pay via gift payment unless I've dealt with the person previously, but like I said in this case I really wanted that particular item. I also paid extra for Express shipping to me so I could track the package but the seller apparently forgot and sent it via Priority. Pretty convenient, if you ask me. But he did promptly refund the extra I paid for Express (But to refund that $30-40 is nothing if he was scamming me of $400ish) Do you think I can get my credit card company to get the money back? Although I used a debit it should still work the same? This is all really new to me.