paypal fee

paypal send money
9 c3 e' z! r* X- r7 N% @Online purchases
7 d+ B1 s* G5 p) ?1 U2.4% to 3.4% + $2.35 HKD
+ {9 y& V$ Y! T  W- e, l" P$ v, Q
. c5 s' H2 B$ ^7 b" W' z# o9 \Free when you use your PayPal balance ***
3.4% + $2.35 HKD
0 ?8 b$ |* t! ^* E( U6 L" `, Mcredit card

6 h% S2 |! S) G' s. @/ E) M怎麼樣才是use your PayPal balance呢？ 才能免費發PP呢？