In almost all circumstances, the recipient of a Paypal payment gets the 30¢ + %n cut taken out, even if the money came directly from a bank account. Paypal is

In almost all circumstances, the recipient of a Paypal payment gets the 30¢ + %n cut taken out, even if the money came directly from a bank account. Paypal is also set up to avoid making credit card transactions at all costs — you need one to sign up (as effectively overdraft protection), but payments always debit from the bank account first. If you have a pro account and embed/link it to customers, they can have the option to pay directly with a credit card, but only if they don't have a paypal.com cookie. There is only one way to reliably avoid the fees — you have to explicitly make the payment as an 'eCheck' which only takes out the 30¢, but Paypal will take at least a week to clear the funds.