Solution: Switch to a different pay system, such as Square, that doesn't steal your transaction fees on a refund or cancellation. Also, whatever you do, do not convert to a PayPal business account. You will have no end of headaches, they almost never have live support (which you need because the chatbot excludes all information that might make PayPal look undesirable, such as info on transaction fee refunds and friends and family transfers), and you permanently lose the ability to do friends and family transfers, and they might not let you change back to personal, ever.
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