They charge 3% so there's your 18 bucks.
Do not fund PayPal with your bank account, back it up with a credit card.
Almost every credit card provides online purchase protection, it will supersede anything that PayPal will do for you...hth
Also - be aware that a buyer can bang up on you within 180 days of a PayPal purchase...
All they need to do is claim the item wasn't as described, or broken, etc and PayPal will refund them and you will be screwed....
Sent from my Pixel 5a using Crappie.com Fishing mobile app


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