If the buyer pays with a credit card you are charged. If they pay via instant transfer from their checking account you are not charged.

Does this mean I could use my standard bank account with my paypal account instead of my credit card?
Or is this only possible in the US?

I've always wondered how this goes : so far I've only paid using Paypal, but I've always wondered what it would be like to receive money.
Does the money I receive get added to my paypal account and then cedited to my credit card? Or how does this work?
Or to use an example : if someone sends me 100€ via paypal, what are the necessary steps I have to take to end up with a shiny new 100€ bill in my hand ? (assuming my paypal account works with my credit card)