Hi - Once you have specified your shipping and insurance options and charges in your listing, it is pretty much automatic from there on. The winning bidder email, and any subsequent invoices, will add your postage + packaging, any insurance charges, and the selling price, presenting a total amount to the buyer. Before the buyer clicks "Pay now" he will be given the option to pay by paypal if that is one of your specified payment methods(if that is your "only" method, then he has no other choice). If he selects that option, he will be transferred to paypal where he will pay the total amount which paypal will present to him as well. Am I understanding and answering your question? Hope so.