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Posted By: Lee Behrens

Paypal does have a membership that allows for a limit of $100 on CC at no cost. If you want to receive more you have to have a premium account. I personally have no other way of taking CC's so this works great. The debit card helps to cut the fee cost down by 1.5%. If you have the account and have a high dollar item you don't want to loss money on the fees, just don't mention you accept Paypal.

I recently encountered a seller that would not accept Paypal for items over $200. I asked why and he told me he would lose too much money because most of his items are consignment items. My purchase was for $270 and I couldn't use Paypal for any of it. That makes no sense, you lose a higher % on smaller priced items why accept at all. It has kkind of ticked me off to the point I may not bid on his auctions again.

My Recommendation is to get the debit card to help cut costs.