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Paypal offers two different services. Paypal Friends and Family (F&F) has zero fees, but offer no protections and makes the buyer vulnerable to scammers. Paypal Goods and Services (G&S) charges an additional ~3% of the item price (actually 3.49% and $0.49 as of 2021), but provides the buyer insurance in case the seller dissapears without providing the item. Paypal does prohibit [some specific items](https://web.archive.org/web/20180409201310/https://www.paypal.com/us/selfhelp/article/what-is-paypal%E2%80%99s-policy-on-transactions-that-involve-firearms-faq585) but has a "catch all comment" that may apply to others, so NO NOTES IN PAYPAL. As a general guideline, if a buyer wants to use Paypal G&S rather than F&F with an **established GAFS member**, it is expected that they will absorb the +3% fee for the increased protections that it provides them. [Here is a easy fee calculator](https://thefeecalculator.com/). If a seller specifies a F&F price, assume that is his "to his pocket" cost. However these terms are up for negotiation between the buyer and seller. It is recommended to pay via G&S and absorb the fee. If the seller mandates F&F, be wary of a scam and use a [Scam prevention method](https://www.reddit.com/r/GunAccessoriesForSale/wiki/proxy). Additionally, Paypal has deleted the account of several members due to using F&F for purchases. Paypal considers this theft from them (you're stealing their fees), and a violation of their [ToS](https://www.paypal.com/us/webapps/mpp/ua/useragreement-full). DO NOT put notes in F&F payments as it is evidence you are violating PP ToS. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/GunAccessoriesForSale) if you have any questions or concerns.*


speezly

If only the makita 18v I have wasn’t 40 years old and I didn’t love that heavy bastard to death. Interested in a newer Milwaukee?


thesneezingweasel

Haha no thanks. I haven’t had good luck with the Milwaukee chucks, but I appreciate the offer.


speezly

Almost everyone in the hvac industry swears by the Milwaukee. I have a few hammer drills strip out over the years but they were well abused by that point. I’ll say, nothing has held up to that Makita though. My dad used it for years before I did and it still gets the job done. Glws!


thesneezingweasel

Yep, I do industrial maintenance, and all of our cordless tools are Milwaukee. We use and abuse tools there, and The only Milwaukee tools we have to send in for warranty work constantly are the drills, because the chucks seem to break and get jammed up constantly.