So you charge shop owners 3.5% of there markup to cover your paypal costs. That is fair. But you still have to pay the 3.5% paypal charges on your half of the cost. This is unavoidable from our customers but it is totally avoidable from your shop owners if you change the way you deal with paying out your shop owners. Instead of paying us 30 days after the 15th of the month that we accrue at least $30. Give us 2 virtual bank accounts on your page. 1 account contains all the money that has cleared the holding time you need for returns, and any cupon codes you give us. The second contains the money that has not cleared yet. We can't touch the second it is just there for us to know what is going to be available to us in the future. Now when I go to buy stuff of shapeways I can use my first account to pay you. This saves us both 3.5% I save because I don't have to pay the 3.5% that paypal will charge me when you give me my monthly payment, you save because you don't have to pay the 3.5% paypal will charge you when I pay you. Since I am likely buying stuff from my own shop to test we both save the exact same amount(I estimate $1.40/month for me and $1.40 * number of shops/month for you. At any point we can request to have account 1 payed out to us or select an option to have it payed out every 15th of the month that it is over $30. In this way I save $1/month that I chose not to get payed by you but those that don't want things to change still get payed out exactly as they were before. Now I mentioned cupons should go in our account 1. This would be a huge benefit to shop owners since on occasion you screw up a test print multiple times and we end up with multiple cupon codes which we need to keep track of and can only use one at a time. Since you will be saving a tone of money with this change you should help us out and make things easier for us by just dumping the cupon code money in account 1. or you could make an account 3 put cupons in there. they never dump into account 1 but get used up first when we buy stuff from your site.