Well, unless I'm misreading the fine print, if I remain in a Personal account, I can receive funds with no fee at all, but only from a person who's been fully accepted into the PayPal system and has funds withdrawn from their bank account. If I upgrade to the Premier account level, even those bank account transfers are subject to the 2.9%+.30 tax.

This particular ebay transaction is going to cost me ~$4.00, which I'm happy to eat if I can make the buyer happy, but I don't want to get stuck forking this tax over from there on out, just cuz I was too ignorant to think ahead.

grumble grumble grumble