PayPal fees

PayPal WILL CHARGE a fee if you use a card.
PayPal WILL NOT CHARGE a fee if you use cash/your bank account.

If the transaction is a PURCHASE, PayPal will not show you the fee involved (if there is one.) The buyer is abstracted from the (potential) fee and the seller will have to pay it (if there is one.. ie if you use a card.)

If the transaction is PERSONAL, PayPal will ask you if you want to pay the fee or let the other person pay it. There’s no abstraction here, because PayPal assumes you know the other person because it’s a personal transaction. Once again, this is only relevant if there’s a fee involved, which occurs if you use a card. If it’s cash+personal, no fee box will prompt at all.

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