There is a monthly limit on how much you can transfer per month with a personal PayPal account until you verify your account and you will not be able to accept credit card payments unless you get a business account, but even if you got a professional one, it would be much lower fees than what you are paying now.
From their site.
If you receive a payment from a user in another country, an additional cross border fee will be charged. The cross border fee is an additional 1% for U.S. Dollar payments and 0.5% for Canadian Dollar, Euro, Pound Sterling, and Yen payments. This cross border fee is currently waived for Canadian sellers receiving payments from U.S. buyers.
Fees for Canadian banks.
Bank Location Currency Withdrawal Fee Return Fee
Canada Canadian Dollar $0.50 CAD $30.00 CAD
However, as you see, "cross border fee is currently waived for Canadian sellers receiving payments from U.S. buyers".
Read this for more information.