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I live in Canada and received funds from a friend in the US. He sent $90 US which converts to 120 CAD on that day. Paypal charged him $4.50USD on top of the 90 he sent PLUS only gave me $115 CAD. I assume this means they charged me ALSO. Does this seem right? On a $90 transaction this is close to 13% total, extremely steep!! I've used PP before and never paid this much.