Seller pays the fees. I do lots of paypal, and the fees are the issue of the seller (ie-YOU.)
I am with Spyder. You are constantly thinking and asking about more fees. Perhaps you should spend more time actually running your business or teaching more lessons than asking us our opinion, which is never going to be yours.
The trainers/BO's I know and use-barely have time to email one sentence. They are in the barn, actually teaching or training!