Can you explain what are they and why are they?

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Hello myLotters, Please explain 1) What is masspay ? 2) What is the difference between masspay and personal pay ? 3) Why should I be a verified customer ? 4) If paypal collect fees for payment, which I RECEIVED, who is responsible ? Either me or Sender ? 5) In which countries, people are not allowed to send (personal) payments to India? 6) In some cases, all the payment received in a transaction goes fully (100%) for fees. Why ?