Overview
- Selecting the 'Goods & Services' option instead of 'Friends & Family' applies PayPal fees of 2.49% plus a €0.35 fixed charge to the recipient.
- The 'Goods & Services' path is marketed with buyer protection, which causes PayPal to treat the recipient as a seller even in private transfers.
- PayPal retains the last-used purpose of payment, so one mistaken selection can carry over to future payments and stored contacts.
- Example calculations show the impact, with a €100 send resulting in about €97.16 received, and repeated small transfers compounding losses.
- Users can attempt to cancel if they chose the wrong option, but reversal after funds are received is cumbersome, so checks before sending are advised.