You see, that's what I thought it was, and I asked the person on the phone if this was the case, and he said no. I specifically asked about Paypal-to-Paypal with both accounts linked to bank accounts, and he said that a fee was applied to those transactions. I guess that was more retention BS.

It's possible that if we were able to communicate better, I would have heard something different, but I was pretty clear on my end and I was able to understand him saying I was incorrect.

So I guess we could try Paypal then. I'll need to call them again tomorrow, though, to switch my account. I got so frustrated with them that I told him to forget about it (it was a hassle getting him to do what I wanted anyway) and I hung up.
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Matt