OK. I am very angry with paypal. :buck: :buck: They somehow have gone to a weird fee schedule EVEN for those with personal accounts (Please see below (in red) if you want to read complete policy). I did not find out this new policy until someone paid me, and I was looking at fees for my personal account. Where is the email from paypal that said that this is going to go down????? :buck:

However, almost an hour on the phone with these boozos, I have a solution to this. Unfortunately, anyone paying with a debit or credit card to a person account will still have a charge for the seller. However, now, paypal does not have a button to ask if you want to accept this, they just post it to the account with the fees already removed.

On that note, if you have buyers who can pay with an existing paypal balance or directly from there bank account (NOT through debit), then they can opt for this:

Go to paypal's send money page, which should come up as this:

Input%20someone's%20email%20and%20amount,%20as%20normal.%20HOWEVER,%20now,%20click%20on%20the%20\"Personal\"%20tab%20and%20under%20\"money%20is%20being%20sent%20as\"%20be%20sure%20to%20click%20on%20\"Gift\"%20the%20as%20shown%20here:%20 Click%20\"Continue.\"%20Then,%20you%20will%20see%20this%20page:%20

On that page, you can change the payment method. However, be sure that it reads either paypal balance or your bank account numbers, so that the seller would not get any fees.

Finally, click the orange "send money" button, as normal.

If you want to read the entire information on this new paypal policy, here it is:
--------------------------------------------------------------------------------

Amendment to the PayPal Acceptable Use Policy



Effective Date: June 3, 2009

Beginning June 3, 2009 the PayPal Acceptable Use Policy is being amended to include a new Section 4 as follows:

Prohibited Activities
You may not use the PayPal service for activities that:

"4. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent”

Amendment to the PayPal User Agreement



Effective Date: June 3, 2009

Beginning June 3, 2009 PayPal user agreement is being amended as follows:

1. Section 4.2 of the user agreement will read as follows:

“4.2 Receiving Payments for Commercial Transactions and Personal Transactions.
a. Fees depend on whether you are making a commercial transaction or a personal transaction. A commercial transaction involves buying and selling goods or services, and payments received when you send a “request money” using PayPal. A personal transaction involves sending money to and receiving money from friends and family without making a purchase.

b. If you are selling goods or services, you may not ask the buyer to send you a personal payment for the purchase. If you do so, PayPal may remove your ability to accept personal payments.”

2. Section 8 of the user agreement will read as follows:

8. Fees. All fees are in U.S. Dollars unless otherwise stated.

Fees depend on whether you are making a commercial transaction or a personal transaction. A commercial transaction involves buying and selling goods or services, and payments received when you send a “request money” using PayPal. A personal transaction involves sending money to and receiving money from friends and family without making a purchase.

Personal Transactions. Fees depend on the payment source that the sender selects. The amount of the fee will be shown at the time the payment is sent. The Fee is paid by either the sender or the recipient. The sender decides who pays.

Domestic Personal Transactions - U.S. sender and recipient.

Payment Fully Funded by PayPal Balance or Bank Payment Fully or Partially Funded by PayPal Credit, Debit Card, or Credit Card
Sending / Receiving Free 2.9% + Fixed Fee (see below)

International Personal Transactions - The sender or recipient is outside the U.S.

Payment fully funded by PayPal Balance or Bank Payment fully or partially funded by PayPal Credit, Debit Card, or Credit Card
Sending / Receiving This fee is based on the country of the recipient.

Recipient’s Country:

Australia 1%

Canada 1%

China 0%

Germany 2%

Hong Kong 0%

Singapore 0%

Taiwan 0%

U.S 1%

Elsewhere 0.5%
This fee is based on the country of the recipient.

Recipient’s Country:

Australia 3.4% + Fixed Fee (see below)

Canada 3.9% + Fixed Fee

China 0.0% + Fixed Fee

Germany 3.9% + Fixed Fee

Hong Kong 3.4% + Fixed Fee

Singapore 3.4% + Fixed Fee

Taiwan 3.4% + Fixed Fee

U.S. 3.9% + Fixed Fee

Elsewhere 3.9% + Fixed Fee


Commercial Transactions

Domestic - Commercial Transactions - U.S. sender and recipient

Sending (Buying) Free
Receiving (Selling) Standard rate:
2.9% + Fixed Fee (see below)

Merchant rate (requires one-time application, qualifying monthly sales volume, and account in good standing)

Transaction Fees: Monthly Sales Volume:
2.9% + Fixed Fee $0.00 - $3,000.00
2.5% + Fixed Fee $3,000.01 - $10,000.00
2.2% + Fixed Fee $10,000.01 - $100,000.00
1.9% + Fixed Fee $100,000.01 and over


International - Commercial Transactions - The sender is outside the U.S.

Sending (Buying) Free unless using the PayPal Plug-In
Cross Border Fee for Sending (Buying) using the PayPal Plug-In

Applies only to payments made to a non-U.S. seller 1%
Receiving (Selling) Standard rate:
3.9% + Fixed Fee (see below)

Merchant rate (requires one-time application, qualifying monthly sales volume, and account in good standing)

Transaction Fees: Monthly Sales Volume:
3.9% + Fixed Fee $0.00 - $3,000.00
3.5% + Fixed Fee $3,000.01 - $10,000.00
3.2% + Fixed Fee $10,000.01 - $100,000.00
2.9% + Fixed Fee $100,000.01 and over


Fixed Fee - The Fixed Fee is based on the currency received as follows:

Australian Dollar: $0.30 AUD
Canadian Dollar: $0.30 CAD
Czech Koruna: 10.00 CZK
Danish Koruna: 2.60 DKK
Euro: €0.35 EUR
Hong Kong Dollar: $2.35 HKD
Hungarian Forint: 90 HUF
Israeli Shekel: 1.20 ILS
Japanese Yen: ¥40 JPY
Mexican Peso: $4.00 MXN
New Zealand Dollar: $0.45 NZD
Norwegian Krone: 2.80 NOK
Polish Zlotych: 1.35 PLN
Singapore Dollar: $0.50 SGD
Swedish Krona: 3.25 SEK
Swiss Franc: 0.55 CHF
U.K. Pounds Sterling: £0.20 GBP
U.S. Dollar: $0.30 USD

Additional Fees

Currency Conversion Fee 2.5% added to the exchange rate
Withdrawing your Balance Free to transfer to a bank
$1.50 for a physical check

Chargeback Fee This Fee is based on the currency received as follows:

Australian Dollar: $15.00 AUD
Canadian Dollar: $15.00 CAD
Czech Koruna: 250.00 CZK
Danish Koruna: 60.00 DKK
Euro: €11.25 EUR
Hong Kong Dollar: $75.00 HKD
Hungarian Forint: 2000 HUF
Israeli Shekel: 40.00 ILS
Japanese Yen: ¥1,300 JPY
Mexican Peso: $110.00 MXN
New Zealand Dollar: $15.00 NZD
Norwegian Krone: 65.00 NOK
Polish Zlotych: 30.00 PLN
Singapore Dollar: $15.00 SGD
Swedish Krona: 80.00 SEK
Swiss Franc: 10.00 CHF
U.K. Pounds Sterling: £7.00 GBP
U.S. Dollar: $10.00 USD

This Fee does not apply if the transaction is covered by PayPal seller protection.

Sending Payments through Mass Payments 2% up to a maximum amount of $1.00 USD per recipient, or foreign currency equivalent as follows:

Australian Dollar: $1.25 AUD
Canadian Dollar: $1.25 CAD
Czech Koruna: 24.00 CZK
Danish Koruna: 6.00 DKK
Euro: €0.85 EUR
Hong Kong Dollar: $7.00 HKD
Hungarian Forint: 210 HUF
Israeli Shekel: 4.00 ILS
Japanese Yen: ¥120 JPY
Mexican Peso: $11.00 MXN
New Zealand Dollar: $1.50 NZD
Norwegian Krone: 6.75 NOK
Polish Zlotych: 3.00 PLN
Singapore Dollar: $1.60 SGD
Swedish Krona: 9.00 SEK
Swiss Franc: 1.30 CHF
U.K. Pounds Sterling: £0.65 GBP
U.S. Dollar: $1.00 USD

Card and Debit Card Confirmation Fee $1.95

This amount will be refunded when you successfully complete the credit card or debit card confirmation process.

Records Request Fee $10.00(per item)

We will not charge you for records requested in connection with your good-faith assertion of an error in your Account.


PayPal Debit Card Fees

U.S. ATM Withdrawal $1.00 USD (plus any amounts charged by the ATM owner)
Signature Withdrawal $3.00 USD if a signature is required.
Non-U.S. ATM Withdrawal (using an ATM machine that is not in the U.S.) 1%

This fee will apply even if the transaction does not require a currency conversion.
Non-U.S. Debit Card Usage (making a purchase from a seller who is not in the U.S.) 1%

This fee will apply even if the transaction does not require a currency conversion.
Currency Conversion Fee 2.5% added to the exchange rate

3. Section 13.10 of the user agreement will read as follows:

“13.10 No Double Recovery. You may not file a Dispute/Claim, or receive a recovery, for a purchase under PayPal’s protection for buyers if you have already received a recovery for that purchase directly from eBay or the seller.”

Amendment to the PayPal User Agreement



Effective Date: June 8, 2009

Pilot Program that will change your default payment sources (section 3 of the User Agreement)

Some PayPal users will receive an email from PayPal informing them that they have been selected to participate in a pilot program that will change their default payment sources for a 12 month period. If you are selected to participate in this pilot, your default payment sources will be changed as follows:

Not “required” to use your Balance when sending a payment. Right now, if you have a Balance in your PayPal Account, you are required to either withdraw your Balance, or use it to fund your payment. If you are entered into this pilot, you will have the option of changing your payment source at the time you make a payment even if you have a Balance.

Bank before Balance. Right now, if you have a Balance in your PayPal Account, you are required to either withdraw your Balance, or use it to fund your payment. If you are entered into this pilot, you will make payments from your bank account instead of your Balance. In addition, you will have the option of changing your payment source at the time you make a payment even if you have a Balance.

Credit Card before Balance. Right now, if you have a Balance in your PayPal Account, you are required to either withdraw your Balance, or use it to fund your payment. If you are entered into this pilot, you will make payments from your credit card instead of your Balance. In addition, you will have the option of changing your payment source at the time you make a payment even if you have a Balance.

[Edited to condense. Please log in to your Paypal account and click on Policy Updates if you would like to read further. Collector1]

Thanks for the heads up!

Wow, this should really be in Trader Support.
Thanks for the post!

Thanks for posting the info. Talk about bad news though

As it is we are all paying a significant fee whenever we use Paypal (especially combined with ebay). It is very disappointing to see the charges go up again.

I guess I will be forced to be even pickier with my paypal transactions.

Yes. This is extremely disappointing. Also, for it, to just come up, in my opinion, unannouned....that was just wrong. I mean if you are one of those that continues to check "paypal updates" in the paypal website, then you would see this. However, if you are like me and never go to that link, you would not know until you actually got a fee from someone who said that they had paid with paypal funds or directly through thier checking account. :buck:

ugh that sucks >.< I always let the seller know I am paying with a CC and ask them to add the fee into the total so they get the full amount ^_^

BabyBlueRibbon wrote:

Yes. This is extremely disappointing. Also, for it, to just come up, in my opinion, unannouned....that was just wrong. I mean if you are one of those that continues to check "paypal updates" in the paypal website, then you would see this. However, if you are like me and never go to that link, you would not know until you actually got a fee from someone who said that they had paid with paypal funds or directly through thier checking account. :buck:

Agreed. There should be a notification when any fee changes occur.

Both Paypal and Ebay go under the radar in this way, they try to introduce these changes without much fanfare.

Thanks so much for posting BabyBlueRibbon, I needed to know this

I did read everything, I just want to make sure I understood it. I use my boyfriend's paypal account, which he signed up for with his debit card. Does this mean that everytime I send someone money, they will get charged $1, or we will get charged $1?

Rhian wrote:

I did read everything, I just want to make sure I understood it. I use my boyfriend's paypal account, which he signed up for with his debit card. Does this mean that everytime I send someone money, they will get charged $1, or we will get charged $1?

I know a debit card would always get a charge to the seller. How much it is that gets charged is depended on how much is the total transaction sent.

Thank you for posting this BBR

Thank you for posting this. Sorry you learned about it the hard way!

I don't think I'm going to ever use Ebay again to shop. I had plans to, when I got my U.S. and Canadian accounts sorted out, but now? Forget it. >.< Now I'll just log in and use it as a research tool. *siiiiiiiiiiigh*

People sent me balance, and I got charged. This is no good at all. I can't take credit cards. I'm so tired of getting screwed out of my money!!

I just found this out a few days also. No email, no notice sent. Nothing. Just... -.65 cents here and -1.23 there. Way to go paypal and ebay. Take all the good parts and poo on them.