@sandypurins wrote: The first link you posted has outdated information. The PayPal member's account type is no longer used to determine whether a fee is charged. PayPal fees are now determined by the payment type - a Purchase Payment or a Personal Payment. For Purchase Payments, the recipient of the payment will always pay the fee. A Purchase Payment involves buying and selling goods or services, and payments received when you send a "request money" using PayPal. For Personal Payments, the fee, if any, is based on the Payment Method and the location of the sender and recipient. A Personal Payment involves sending money to and receiving money from friends and family without making a purchase. This change is abhorrent. For years I could depend on my funding source and account type to determine my fees and now PayPal throws in another selection to trick me. The Purchase Payment option is essentially a "Click here to send an unearned cut to PayPal" button that is entirely voluntary, one can just as easily use a Personal Payment for goods or services. With no rules engine to force the selection of one Payment type, it's plain trickery. What's worse is that if there are more benefits associated with a Purchase Payment (ex. some modicum of purchase protection), it's not made clear. Thankfully, a helpful customer service agent advised me of the 'Refund' loophole. I will not use PayPal in the future if I can't rely on some consistency from their business model. What I expect is that PayPal will act as a low-cost clearinghouse for simple domestic EFTs. If holding my money for 3-5 days isn't enough compensation to maintain this service, I'll happily pay the pennies in actual processing costs to move small, dollar-denominated amounts between banks.
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