[kipps]

If you're selling stuff, being able to accept PayPal is critical, from my point of view as a buyer.

I've bought several items on Marketplace, and paid with PayPal. If I was buying it sight-unseen, I unchecked the "Friends and Family" box, and sent the additional percentage to cover the PayPal fees that the seller would incur.

In one situation, I bought the item while standing right there looking at it. I knew what I was getting, so I payed the exact amount with the "Friends and Family" option.

By unchecking the "F&F" box, you're essentially buying insurance on the purchase. If things go south, and the seller doesn't deliver, PayPal will supposedly go to bat for you. If you're making a purchase that you're completely okay with foregoing that insurance, the "F&F" box is fine.

When you list something for sale, say that you'll accept PayPal, but the buyer needs to add enough to the transfer to cover PayPal fees.