If a buyer pays me $10 via Paypal for a few ebay transactions & I refund them $1....
Does paypal charge me $1, or more?
By receiving this $1 paypal payment, I have 96.1 cents in my paypal account (ie $1 minus their 3.9% fee is 96.1 cents).
If I refund a buyer $1 for overpayment, do I end up minus 3.9 cents overall? Or more, or less?
To make this simpler, I'm not considering ebay's fees for this exercise.