You can't add 3% fee charge for PayPal. It's against their ToS for sellers to charge that. Read up on it.
4.6 No Surcharges. You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services, as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.
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https://www.paypal.com/us/cgi-bin/we...receive-policy