This thread is filled with people trying to defend inappropriate use of PayPal's services. Really a bunch of idiots! They will be the first ones to start a ranting thread because a Boyscout used one of their photos on a blog and didn't compensate them. Do you think all the credit card companies (that's MasterCard, Visa, Discover and American Express in the US) just give away their services to merchants? Do you see signs in stores or online that say "+3%" if paying by credit card and ohh, by the way, we only take credit cards"? NO! Why, because they are running a business, like a business instead of a bake sale. 3% is pretty fair price too. Anyone selling at Art Fairs and swiping cards to sell is paying 2.7% for that service. It's a cost of doing business. The "gift" and "+3%" sellers are over there at the garage sale across the street at the crack house. Yea, they got buyer protection for ya!