I meant F&F option only since goods and services option have fees ranging from 2.89% to 3.49% and categorized as ‘commercial’ transaction. Plus this option offers full protection to the buyers.
“If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, PayPal’s Buyer Protection may reimburse you for the full amount of the item plus shipping”
PayPal F&F option is as good as cash!