Depends on what account you have.
Personal or business/premier.
Personal accounts, free transactions from their bank account to your account, or obviously their paypal account balance to your account. You can accept credit cards or debits cards in a personal account, but your limited on how many in how many months, and yes you get charged for those, but not the cash transfers.
Business accounts, get charged for every type of payment received. Thats why you see people (like me) who have two paypal accounts and accept both. I give them two options to pay and depending on that, I send them to that paypal account. Most here all respect the stupid fees, and pay them for the use of that account. 3% of total plus $0.30 covers them for anything like under $1,000.00 I think.
If your selling on Ebay...you just pretty much have to have a business account and just eat the fees. I have gotten into it with a Ebay rep about this, and how they are tired into PayPal and getting you twice on fees. Kinda like the IRS taxing you on your income, and then you get a refund at the end of the year, then they expect you to add that refund as "additional personal income" for next years income, and yup...get taxed again on it.
B.S. i agree.
~F~