MafinCash exchanger

Dear Client,
According to the MafinCash User Agreement, specifically clauses 5.23–5.25, all risks related to PayPal transactions — including disputes, chargebacks, claims, holds, and account limitations — are fully borne by the Client.
The refunds were initiated by you voluntarily and at your own discretion. The exchange service is not responsible for client-initiated PayPal refunds or for any consequences arising from actions taken within the PayPal system.
Please also note:
“Goods & Services” payments are not accepted under clause 5.23.
All PayPal-related risks are borne by the Client (clause 5.25).
Cryptocurrency transactions are non-refundable (Section 13).
At the time of payment receipt, the service fulfilled its obligations under the submitted exchange request. A unilateral PayPal refund does not cancel the completed exchange transaction and does not create an obligation for the service to return cryptocurrency.
The service operates strictly in accordance with its User Agreement.

The service states that “Goods & Services payments are not accepted under clause 5.23.”

However, both PayPal payments were sent as Goods & Services transactions and included shipping addresses.

This payment structure was created by the exchange service, not by me.

If such payment types are not accepted under their own rules, then the exchange service itself violated its agreement.

Therefore, the transaction cannot be considered properly fulfilled under their stated terms.

The exchange service is referencing clauses 5.23–5.25 regarding PayPal risks.
https://mafincash.com/en/pages/rules
However, the publicly available User Agreement currently only contains sections up to 8, and there is no visible clause 5.23–5.25 regarding PayPal Goods & Services or chargeback liability.

If the service relies on specific clauses, they should provide the exact wording and version of the agreement that was in force at the time of my order.

Additionally, the service states that Goods & Services payments are not accepted, yet both payments were sent as Goods & Services transactions.

This payment structure was created by the exchange service, not by me.

If such payment types are not accepted under their own rules, then the exchange service itself violated its agreement.

Dear Client,
Please be informed that the PayPal details you provided correspond to a business PayPal account. For such accounts, PayPal may automatically process payments primarily under the Goods & Services format.
According to clause 5.23 of the User Agreement, payments are processed by default via Friends & Family (FnF).
The exchange request page clearly states:
By default, all payments are sent via Friends & Family (FnF).
Upon client request, or in cases where FnF is not available, payment may be processed via Goods & Services (GS).
Therefore, the payment format was determined by the technical characteristics of the account you provided.
Please also note:
Under clause 5.25, all risks related to PayPal disputes, refunds, chargebacks, holds, or claims are fully borne by the Client.
The exchange service is not responsible for refunds initiated by the client.
The service has fully fulfilled its obligations under the exchange request.
You were additionally warned about these conditions prior to initiating the refund.
The decision to issue PayPal refunds was made solely at your discretion and does not create an obligation for the service to return cryptocurrency.
The service operates strictly in accordance with its User Agreement.

For transparency to other users:

The publicly available User Agreement on mafincash.com currently displays only sections 1–8. Clauses 5.23–5.25 referenced by the service are not visible on the public rules page at the time of writing. If a different version applies, it has not been publicly verifiable.

The service states that payments are processed by default via Friends & Family (FnF). However, both payments I received were sent as Goods & Services (GS), from two different PayPal accounts in two different countries.

The payment format and sender accounts were fully determined by the exchange service, not by me.

The service considers the transaction fulfilled once PayPal funds were received, even though the structure involved GS payments and shipping addresses for an online service.

I leave this information here for other users to assess the payment structure and associated PayPal risk for themselves.

In addition, the two payments were sent from two unrelated PayPal accounts located in different countries and included shipping addresses, despite this being an online service.

Such a structure significantly increases PayPal dispute and chargeback exposure for the recipient account.

Users who operate business PayPal accounts should carefully evaluate this payment structure before proceeding.

The exchange service has fully explained the situation and provided references to the applicable rules. All actions of the service were strictly in accordance with the rules published on the website, which the Customer agrees to when creating a request.
There is no need to repeat the same points — the rules and obligations remain unchanged, and the service acted correctly within these rules.
Sincerely,
MafinCash.com Team

Reply to MafinCash:

I have just submitted the definitive PayPal transaction evidence to the BestChange support team. These records clearly prove that MafinCash deliberately manufactured a high-risk scenario to facilitate a ***. I am an experienced PayPal user and have conducted many transfers; MafinCash is the only service that has ever employed such fraudulent and dangerous payment structures.

The screenshots of the transactions (Order #***) expose your deception:

Proof of Subjective Risk: You split a single 500 USD order into two separate payments from two different individuals in two different countries (Moldova and Ukraine). This is not a "technical characteristic"; it is a deliberate "structuring" technique used to bypass anti-fraud filters, which puts the recipient's account at immediate risk of a permanent ban.

Proof of Goods & Services (GS): Despite your claim that FnF is the default, my PayPal records explicitly show the "Add Tracking" and "Create Shipping Label" options for BOTH payments. This proves you sent the funds as Goods & Services to ensure the transaction remained reversible on your end, while my USDC was irreversible.

Fabricated Clauses: You continue to reference "Clauses 5.23-5.25," which do not exist on your public website. Inventing hidden rules after a dispute arises is the hallmark of a scam.

To BestChange Administration:
MafinCash is now in possession of both the 500 USD (refunded) and my 485 USDC. They have effectively stolen my funds by using a high-risk payout structure that no legitimate user could safely accept. I request a manual review of this merchant's deceptive practices. I will not stop until my 485 USDC is returned.