I can see how Biggie could have misinterpreted what I wrote in my Post.
Let me clarify, when I sent the payment as "personal" I was charged the Pay Pal Fees and not the Seller. So, Pay Pal got paid. I paid Pay Pal.
But, because the payment was sent as "personal" and not as "goods", I don't have recourse.
So, from now on, I will make payments as "goods" and just add the 3% to the total. Then, the Seller will be charged the 3% but he will still net his sales price.
Is that a better way to say it?