Thanks to all for this thread on Paypal. You losse $ on small stuff, you figure that ebay will give you a break since they own PAYPAL, but that is not the case. I just downgraded my account to personal. The fees are not worth it on small transactions. I will also re-word my payment options, to money order, check, cash ( at the buyers risk ) and non credit card paypall. I'll also remove the paypall links on my auctions.