[amalag]

Paypal takes 3.9% ? No, you have to see how much credit card companies take and how much paypal takes. They likely get less than half that.

[MacsHeadroom]

For international sales PayPal takes 3.9% plus a flat rate fee ($1-$5) plus a poor exchange rate which adds in a hidden 2-3%.

In total they can end up taking $12 on a $100 purchase.

But you're right, most of that probably goes to the credit card company.