If you pay as F/F through a Bank checking account,Paypal won't charge any fee,and you as a Buyer have no retaliation if the deal goes sour.
But if you pay as F/F with a credit card,paypal charges a fee,because the CC company will easily give you a refund if the deal goes sour & you have a strong case,and they charge paypal in the process too.
Paypal HATES the credit card companies.
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