First, I am not happy with the direction PayPal has went with this! I sell saddles and tack and have to ship it sometimes. The person receives the saddle while I have to wait to receive my money to be released? WTH! I have to wait 21 days for it to be released or bug them to confirm they received it and confirm a receipt so it releases! But then on top of that to have it released instantly I have to pay a 1.5% fee or wait 1-3 days to get my money with no fee? Not using PayPal ever again! BS!