Do I get charged a cash advance fee when using my debit or credit card to make a payment?
No. When you use your debit or credit card, you won’t be charged a cash advance fee for sending money for goods or services. For those payments made as gifts or to friends and family, there’s a fee that the sender can either pay or opt to have the receiver pay.
For these types of payments, PayPal charges your debit or credit card only for the payment amount.
Tip: If you make a cash advance purchase with a credit or debit card, the card issuer may charge a cash advance fee. PayPal has no control over third-party fees. To avoid incurring fees when making a cash advance purchase, you may want to use a different payment method, such as your bank account or an eCheck (if available).