Quoted from Barakawins1:Yes. They should do that for free. I'll give you an example as to why and how. A buyer sends you payment for $5000. It should only be $500. An honest seller
refunds this payment immediately. However, the way paypal works is they nail the seller for the buyer's mistake and in this case charge the seller 2.9% and .30
or $145.30 immediately because of the seller's mistake. They are basing their fee on a fictitious sale amount. So, because the buyer makes the mistake and
the seller makes the refund in a second, the seller loses $145.30 in a second. This is wrong at all levels. There should be a standard transaction fee which is not
based on the amount of a sale. Next, paypal should not be allowed to remove $5000 from your bank account and place it into your paypal balance, less the fees
they deducted. They should only be able to deduct a processing fee. This is why no one should link their bank account.
Agree. If you are a seller, ONLY link to a CC that has a low and strict transaction limit. Then, you have some recourse if the above happens. I understand not using it because of the principal of the thing but for transactions under $100, sad to admit that Paypal is a necessary evil.
There is no reason to tie a bank account to Paypal. I learned this over 10 years ago when they started putting random "holds" on my transactions for no reason at all. I immediately stopped all that nonsense. If there is a hold or reversal now, it's linked to a CC with a $50 limit. 
One additional benefit to having a Paypal debit card is that you can instantly empty your account at any casino ATMs that charges a $4.99 fee. I will gladly pay that fee to empty the account. Makes me nervous having more than a $200 paypal balance at any given time. They are NOT a bank and are NOT insured by the FDIC.
I have $50 limit on anything "linked" to Paypal but no limit on inbound transactions.
If anyone needs any advice on other safe ways to get around fees and other systems, shoot me a PM.
