I think I have finally figured out how PayPal works, maybe I am the last one to do this. If you have a balance in your PP account and pay someone, everything is free. But if your pp account is linked to a credit card, like mine, the recipient has to pay about 4% for that transaction, plus you can only have 5 of these transactions a year. Which probably makes sense, since PayPal is not going to pay the Credit card charge. What I have not figured out is if you link your PP account to a debit card if there is a charge. Anybody know this?