It is recommended to pay via G&S and absorb the fee. However these terms are up for negotiation between the buyer and seller. If a seller specifies a F&F price, assume that is his "to his pocket" cost. As a general guideline, if a buyer wants to use Paypal G&S rather than F&F with an established GAFS member, it is expected that they will absorb the +3% fee for the increased protections that it provides them. Paypal does prohibit some specific items but has a "catch all comment" that may apply to others, so NO NOTES IN PAYPAL. Paypal Goods and Services (G&S) charges an additional ~3% of the item price (actually 3.49% and $0.49 as of 2021), but provides the buyer insurance in case the seller dissapears without providing the item. Paypal Friends and Family (F&F) has zero fees, but offer no protections and makes the buyer vulnerable to scammers.
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