Chad Things

You can avoid paypal fees entirely if you do these:

1. Setup personal account (not business)
2. Only receiving payments for Services. For the other types (eBay Items, Auction Non-eBay, and Goods-Other), there is a $500/month receive limit on personal accounts.
3. Notes about the person sending you money –
   • No fees if sender has enough money in paypal account to cover sending amount.
   • No fees if sender’s balance falls below $0.00 AND is reloaded by a US checking account
   • Yes fees if sender’s paypal balance falls below $0.00 AND is reloaded by a credit card – Paypal charges 4.9% + $0.30 USD, plus limited to only 5 of these per 12 months.

Sources (must be logged into paypal to view):
https://www.paypal.com/us/cgi-bin/webscr?cmd=_display-fees
https://www.paypal.com/us/cgi-bin/webscr?cmd=_show-limits