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It is against PayPal's terms of service to charge a surcharge to someone for using PayPal. Yes, if you have a business account they take a service fee, and you may think it's unfairly high. But you are not allowed to charge a surcharge to make that up. If you just can't handle it, either raise all your prices, or build it into your shipping charge, or something (you can charge a "handling fee" as long as you charge it to everyone). Otherwise, it's known as "the cost of doing business". Eat it.