I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong. 
