I just need a straightforward, "this is then the fee applies". I'm not a merchant, I don't know (or care) anything about ACH, etc. For those of us who are not selling goods/services, but just use Paypal for online purchases or paying back friends for dinner, or rent, I just want a clear answer on when the 1% fee is charged. It sounds like you are saying it's only when I transfer funds FROM Paypal, TO my bank account, and has nothing to do with sending money or purchasing goods or services. Is that correct?
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