I tell them to include a note on the payments that this is for a virtual code that was received BEFORE sending payment, and the code was received in the email that is linked to their Paypal. they try and call the shit in, guess what they now have messages in their PP email stating that they received the codes.
As for the withdrawing, I may be able to help you with that seeing how my paypal is a verified account and what not so I can collect / send you the moneys if you would like me to.