Polk, it is very simple.
Do I or do I not have to spend more to use Paypal with you?
If you pay more for a pizza when it is delivered than you do when you pick it up then you are paying a delivery fee. It doesn't matter that they call it a discount for picking it up... it is a delivery fee.
Ever been to a store that gives a discount for paying cash instead of using a credit card. That isn't a discount. They are charging you a fee to use your card.
If it costs me more to buy it from you with Paypal then you are charging me a fee for using Paypal. It doesn't matter that you call it a refund when I send you a money order, I end up spending more to use Paypal so it is a fee for using it.
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That makes perfect sense.
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