sphexx
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Having looked at PayPal fees, friends and family seems entirely appropriate in this case as there is no “commercial transaction”. They say:It looks like Stripe take 3.45% handling/commission for credit card payments, I don't know what Paypal take as so far everyone going through Paypal seems to have done it as friends/family or at least not as a purchase of something.
When you send money (initiated from the "Friends and Family" tab of the "Send Money" flow) to, or receive money into your PayPal account from, friends and family without making an underlying commercial transaction (that is, the payment is not for the purchase of goods or services or for making any other commercial transaction), we call that a "personal transaction".
(My bold)
The rates relating to personal transactions are set out below.
Sending domestic personal transactions
Payment method | Fee |
PayPal balance or a bank account | Fee is waived |
Cards | 2.90% + fixed fee |
Amex Send™ Account | Fee is waive |
They still charge for cards 2.9% + £0.39 so it’s only free in certain cases.