As far as I can tell I pay 0% and $0.00 to transfer from Paypal to my bank account (they added an instant transfer with a 1.75% fee as a sucker option). I thou

As far as I can tell I pay 0% and $0.00 to transfer from Paypal to my bank account (they added an instant transfer with a 1.75% fee as a sucker option). I thought that paragraph was about "aha, if they pay from buyer's paypal wallet A to seller's paypal wallet B, we can deduct our 3% plus 30 cent fee, but just do the transaction as a database update which costs us nothing"?