Hi BigRich1,
Thanks for contacting us and welcome to our community. I can understand your concern. However, in simple words, you would not be charged for personal/friends and family payments unless they pay you internationally/different currency/from their cards. Also, when you are selling or buying services, we need you to use goods and services type as you would be protected with our protection policy in dispute/chargeback situation.
For more details, please check our website for Policy Update on fees here
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I hope this helps
Divya
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