Originally Posted by goybar
Sending money: Fees
It's free to send money in the U.S. to friends and family when you use your PayPal balance or bank account. Fees apply when you use a debit or credit card, or the payment is international. In most cases, the sender decides who pays these fees.
Receiving money: Fees
Receiving personal payments from friends or family in the U.S. is free when they send the money using only their PayPal balance or their bank account, or a combination of their PayPal balance and bank account. An example of a personal payment would be receiving $20 from a family member as a birthday gift.
PayPal has a standard rate for receiving payments for goods and services. An example of this might be receiving money for an item you sold through a classified ad, or a payment for work that you performed for someone else. If you have a Personal account, after a certain number of payments for goods and services you will need to upgrade to a Premier account.
If you receive more than $3,000.00 USD per month, you may apply for PayPal's Merchant Rate, which offers lower fees for higher sales volumes.
Looks like it is only an issue if you are using a CC.
Any idea how much the fee is, if this is not really the case?
No fee only applies to sending money as a gift. If you send it as a purchase of goods or services there will be a fee deducted from the total no matter what method of payment you choose.
The fee as stated earlier is 2.9% + $.30