Are there extra fees for a PayPal Premier account?
If you are using paypal to sell items online, you need a Premier (or better) account rather than personal. Paypal states: Our fees are the same for Personal, Premier, and Business accounts.   [...] If you use your PayPal account to request money from someone,   you'll be charged a fee when you receive the payment. "Summary: the fees used to differ but no longer do. Fees are the same. If you have a personal account, feel free to upgrade it to premier to get access to more features. Longer answer: the two account types USED to differ but that changed a few years ago (maybe circa 2011?). PayPal wants person-to-person payments to be free (except where they must pass along credit card charges or else they would loose their shirt) but wants to charge merchants for receiving payments. Originally PayPal required merchants to have premier (or business) accounts, and charged fees for payments made to those account types. Personal accounts had significant limitations on receiving payments, but did not pay fees upon receiving payments.  Eventually PayPal decoupled the question of ""is this a person-to-person payment or a payment to a merchant for goods and services?"" from the paypal account type. So now the same account can receive both a p2p payment (e.g. splitting lunch costs), on which it will NOT pay fees, and can receive a payment for goods or services e.g. from a web checkout, on which it WILL pay fees. Regardless of the account type."
You can split payments, and nobody judges you because most prepaid cards are actually gift cards.  They just think you have generous friends.   When you use Visa/MC at a vendor, they get dinged around 2-3% plus 35 cents flat-rate.  So when you ask them to charge 77 cents to the card, you're essentially asking they give half of it to Visa/MC.  Which is unfair.  A charity won't turn it down, but it's wasted.  So how do you solve this problem?  If you see a small merchant using Square or PayPal Here, their merchant agreements charge a flat rate (2.75% and 2.70% respectively) with no flat rate per transaction.  If you see they are on PayPal/Square, go for it.   Obviously PayPal itself doesn't have that problem, because they have a really, really good deal with Visa and Mastercard.  So feel free to buy yourself credit on your PayPal account with these residual values.   Amazon probably has a similar deal.   You are getting these small amounts because you aim to pay a $22.69 bill with a card that has $25 on it.  Reasonable, but it causes this.   Flip it around: pay a $22.69 bill with a card that has $20 on it, consume the $20 value, and pay the $2.69 in cash.  You may need to tell the cashier exactly the amount to charge (e.g. $20.00) especially if it is a Visa/MC card.  It will certainly go faster if you do.  The cashier may be able to pull up the balance, but it's an extra procedure, and an inexperienced cashier may struggle with it / have to call the manager etc. - not worth it in my book. This is really a question for the paypal folks. as I understand it however, when you setup a paypal account, you are granting it access to your back account, so when you make a payment using paypal, it takes money directly from your bank account, and if you get paid for something via paypal, the money goes directly into your account. If that's not how they paypal account you have is working, then you need to get help from paypal to figure out how to make it work for you. "Its a broker fee, not something charged by the reorganizing company. E*Trade charge $20, TD Ameritrade charge $38. As with any other bank fee - shop around. If you know the company is going to do a split, and this fee is of a significant amount for you - move your account to a different broker. It may be that some portion of the fee is shared by the broker with the shares managing services provider of the reorgonizing company, don't know for sure. But you're charged by your broker. Note that the fees differ for voluntary and involuntary reorganizations, and also by your stand with the broker - some don't charge their ""premier"" customers." "Anyone can walk into a bank, say ""Hi, I'm a messenger, I have an endorsed check and a filled out deposit slip for Joe Blow who has an account here, please deposit this check for him, as he is incapacitated. Straight deposit.""  They'll fiddle on their computer, to see if they can identify the deposit account definitively, and if they can, and the check looks legit, ""thanks for taking care of our customer sir.""  Of course, getting a balance or cashback is out of the question since you are not authenticated as the customer. I have done the same with balance transfer paperwork, in that case the bank knew the customer and the balance transfer was his usual. If the friend does not have an account there, then s/he should maybe open an account at an ""online bank"" that allows deposit by snapping photos on a phone, or phone up a branch, describe her/his situation and see if they have any options.  Alternately, s/he could get a PayPal account.  Or get one of those ""credit card swipe on your phone"" deals like Square or PayPal Here, which have fees very close to nil, normally cards are swiped but you can hand-enter the numbers.   Those are fairly easy to get even if you have troubles with creditworthiness.  S/he would need to return the check to the payer and ask the payer to pay her/him one of those ways.  The payer may not be able to, e.g. if they are a large corporation. A last possibility is if the check is from a large corporation with whom s/he continues to do business with.  For instance, the electric company cashiers out your account after you terminate service at your old location. But then you provision service at a new location and get a new bill, you can send their check right back to them and say ""Please apply this to my new account"". If s/he is unable to get any of those because of more serious problems like being in the country illegally, then, lawful behavior has its privileges, sorry. There are lots of unbanked people, and they pay through the nose for banking services at those ghastly check-cashing places, at least in America.  I don't have a good answer for how to get a check cashed in that situation." Yes. it is possible, I have seen many times banks permitting overdrawing and later charging a high courtesy fees. Of course in many countries this is not permitted. In one of my account, I am running negative balance as the bank has charged its commission which is not due. There's no requirement to use these OTP systems to process Internet transactions. Some merchants are using them, some are not. PayPal does not since they are not the receiver of the money but rather a merchant processor - so they don't assume any risk anyway and wouldn't bother. "You can charge a fee to accept checks, although I think the better solution might be to offer a small discount for early payment of your invoices.  As some people here have suggested, why not add a small bit to your fees to begin with to cover your inconvenience in the case they choose to pay by check?   I often will give clients a small discount of 1.5% for paying my invoices within 10 days, which does motivate some to pay sooner, depending on the client and the amount of the invoice.  If you've already added a small amount to your fees in the first place then providing the discount is good public relations that doesn't actually cost you anything. You can always add a ""convenience fee"" for accepting checks, but this is a more negative approach, as though you're penalizing the client for paying by check rather than electronically.  Some people do see it this way, despite any efforts you make to explain otherwise. As to your question about adding fees for accepting credit cards, be very careful!  There are sometimes state or local laws on this, and you could find yourself in trouble very quickly if you run afoul of one.  Here's a good article to read on the subject: Adding fees for accepting credit cards from CreditCards.com Site I hope this is helpful. Good luck!" A handful of well-known banks in the United States are part of the clearXchange network, which allows customers of those banks to move money amongst them. The clearXchange service is rebranded differently by each member bank. For example, Chase calls it QuickPay, while Wells Fargo calls it SurePay, and Capital One calls it P2P Payments.  To use clearXchange, the sender's bank must be part of the network. The recipient isn't required to be in the network, though if they are it makes things easier, as no setup is required on the recipient's end in that case. Otherwise, they must sign up on the clearXchange site directly. From what I can tell, most payments are fee-free within the network. I have repeating payments set up with Chase's QuickPay, and they do not charge fees.