I'm not sure that all paypal accounts are the same, but I know with mine I don't get charged a fee if the person is paying with funded paypal (money already in their paypal account) but I do get charged the fee if they pay by check or credit card.
There is a calculator to figure out what the fees will be here: http://ppcalc.com
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The Fine Print:
I accept PayPal and RME. Please cover pp fees if using cc or echeck. US buyers only. Insurance not included unless you ask. I am not responsible for items after they have left my hands.