I see everyone complaining about the 3% PayPal fee, but they do not hesitate to pull out their credit card to buy items. The merchant pays the fee, 3% in most cases. I was in business for 40 years and can't really remember taking a bad personal check, had a couple bounce but the maker of the check made it good, even though it cost them huge bank fees, I'd much rather take a personal check than a credit card when I was in business. I fought getting a credit card machine for a long time but finally had to as many of my customers only used credit card, many government and larger companies.