That is actually really easy to get around. All you have to do is ask the person to send it as a gift and then no fee is taken out. Now if there is a refund dispute, you have to actually refund the money. There is no way to file a claim on a gift. I know this because someone asked me to do it and she didn't send my dress or refund my money and I had to call pay pal and get them to override the refund, but I got it.