That's why I just figure that into my pricing. PayPal is great for the protection, but they rob you blind! I don't upcharge for Paypal, I just discount if it isn't used. That's completely within the rules or you add it as a handling charge, still within the rules.
Another option, to avoid the paypal charges, is have the sender label the money as a gift. Unless they have changed it, it will bypass the charges, that you would normally incur for the sale of goods. If I had the cash right now, I would get that from you.