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Visit this page about when fees are applicable if sending friends and family payments
Sometimes the sender sends a goods and services payment in error or the sender chose the recipient to be charged the fee.
Sending money to overseas PayPal account incurs a fee.
Sending money with credit/debit card or PayPal Credit virtual credit line incurs a fee.
Sending money as goods and services incurs a fee for the recipient.
The PayPal Cash/Cash Plus should have nothing to do with it. That just allows you to use the PayPal balance to park money and pay with the money that's in it:
If sending payment from within PayPal, you can't use the PayPal Cash card, you'd normally select the PayPal Balance to use the funds there.
Here are the fees related to the PayPal cash card:
When sending a payment from your PayPal account, the amount being sent and its fees are shown. In fact, the money can't be sent unless you scroll past the amount being sent and any applicable fees, to click button to send.
No one in the user to user forums can fix this for you, please contact customer service for assistance:
Log on, click HELP on top menu, scroll down to click CONTACT US, and then scroll down to click CALL US or other contact options.
Call early, during business hours, west coast time to try to get a US rep.
Or contact via social media:
Facebook (US): https://www.facebook.com/paypal
Twitter (US): @AskPayPal