Is there an additional fee per transaction for folks who pay using credit card or pay pal?
The payments are processed entirely by PayPal, and FormsCentral does not collect any fees. Any fees charged by PayPal will depend on the type of account you have with PayPal.
What about folks paying via standard credit card/debit card?
Credit card payments are processed by PayPal, not FormsCentral, so you'd have to check your PayPal account and it's terms.
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