paypal update august 2012

https://cms.paypal.com/au/cgi-bin/marketingweb?cmd=_render-content&content_ID=ua/FeesPolicy_full&loc...

 A commercial transaction involves buying and selling goods or services, and payments received when you "request money" using PayPal.

A personal transaction involves sending money (initiated from the "Personal" tab of the "Send Money" flow or “Send Money” through PayPal mobile) to and receiving money into your PayPal account from friends and family without making a purchase, (ie the payment is not for goods or services).

I think the bolded phrase above would make it impossible to make a claim on either the buyer or seller protection policy.

personal payments are no longer free when funded partially or fully by a debit or credit card 

 see the link

 Domestic personal transactions

Payment Method: entirely funded by PayPal balance or bank account

Free when no currency conversion is involved

Payment Method: entirely or partially funded by debit card or credit card Sending / Receiving (The sender decides who pays)

2.4% + Fixed Fee (see table below)