PayPal

On ebay, if an item goes for 100 bucks, Pay pal will take 3 % leaving the seller with 97 dollars on an item that sold for 100. The buyer was willing to bid a 100 and won. So he pays exactly 100. The sellers item sold for 100, but he gets 97 (disregarding that ebay takes another 9 % for the use of the auction for the sake of this discussion). I sell on ebay all the time, Usually by auction, highest bidder gets it.
So yes, the money the Pay pal gets is from the source, the buyer. However, it's taken from the sellers account