Which breeder? From what I understand, money sent through the gift function can't be refunded or challenged if the good or service you get in return aren't satisfactory, because you didn't pay for it, you sent a gift. This is beyond fishy, and I would refuse to use anything other than the purchasing option for my own protection as a buyer.
Straight from paypal's website:
There is no protection for live animals with Paypal. A lot of people do the gift thing. Doesn't matter which way you pay because like I said live animals are not covered.