Here are the rules for accepting payments for goods and services:
Receiving personal payments
If you use your PayPal account to receive payments for the sale of goods or services or accept donations, you must:
No surcharges
You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.
So asking the buyer to cover the fee is against their policy, as is charging extra to use PP. Asking for F&F to pay for something is also a reason to close your account. You are better off adding in the 3% than to ask for it. If you ask the buyer to cover the fee and they complain, PP can close or freeze your account. Buyer and seller beware.
Receiving personal payments
If you use your PayPal account to receive payments for the sale of goods or services or accept donations, you must:
- Pay any applicable fees for receiving the funds.
- Not ask your buyer to send you money using the “send money to a friend or family member.” If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members.
No surcharges
You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.
So asking the buyer to cover the fee is against their policy, as is charging extra to use PP. Asking for F&F to pay for something is also a reason to close your account. You are better off adding in the 3% than to ask for it. If you ask the buyer to cover the fee and they complain, PP can close or freeze your account. Buyer and seller beware.