Hi I just noticed that when you are in the send payment option in advanced it says personal payment owned does this mean I don't get charged anything
Paypal fees
- Thread starter thomas111
- Start date
as long as you are paying from your paypal balance, or you have verified your account, then there should be no fees 
When using Paypal you have the following options when sending money, you can send it as a Purchase or as personal.
If you select Purchase you have to choose from...
All these options incur a fee of 3.4% plus 0.20p.
If using either of these options you may use the dispute a transaction service provided by paypal for non sent items or similar problems when you are the buyer.
If you select Personal you have to choose from....
All these options Do Not charge a fee for either the buyer or seller as long as the full amount can be covered by your paypal balance or a validated, linked bank account.
If you use a credit or debit card to cover the balance through personal payment you will be charged a fee of 3.4% plus 0.20p.
When paying through personal payment owed remember that a "Dispute a transaction" cannot be started through paypal for "goods not sent" or any other problem as this service is provided for exactly what its name suggests.
If you select Purchase you have to choose from...
- Goods
- Services
- Ebay items
All these options incur a fee of 3.4% plus 0.20p.
If using either of these options you may use the dispute a transaction service provided by paypal for non sent items or similar problems when you are the buyer.
If you select Personal you have to choose from....
- Gift
- Personal payment owed
- Household expense
- Other
All these options Do Not charge a fee for either the buyer or seller as long as the full amount can be covered by your paypal balance or a validated, linked bank account.
If you use a credit or debit card to cover the balance through personal payment you will be charged a fee of 3.4% plus 0.20p.
When paying through personal payment owed remember that a "Dispute a transaction" cannot be started through paypal for "goods not sent" or any other problem as this service is provided for exactly what its name suggests.
I registered with my Debt Card .......I have Bought Lets say Roughly about 40 items ...including 1 Dispute ......And i have (Never once Been Charged by Pay-Pal )
If you sent payment as "purchase of goods" for what ever you bought the fee will be taken from the money as its transfered to the seller. So the seller ends up paying the fee.
So if you sent me £100 for an item i had for sale and sent it as a purchase payment for goods i would only recieve £96.40. (£100 - 3.4% - 0.20p = £96.40)
Hence many for sale threads displaying "send as payment owed or add the 4%"