PayPal rules

Do what your conscience allows, but maybe consider how you would be affected if you lost the use of PayPal.
A friend of mine was kicked off PayPal after a sale of an item to a stranger through friends and family, and the buyer was dissatisfied. He went to PayPal for credit, and the truth came out. My friend is disabled, and supplements his income through scrounging and selling. He averaged around fifty PayPal transactions a month, so it really hurt him, especially his eBay sales. For over a year we ran a lot of the eBay through my account. He finally got something going through his wife's bank account, but it definitely hurt him, and cost him money.
So, there's a perspective you might want to consider before trying to save 3%.