PayPal also charges payment processing fees if your customer checks out using PayPal. Similarly, any card processor (PayPal, ProPay, Square, Intuit, etc.) that you use to take credit cards at a craft show also charge fees for processing your payments.
So, you have Etsy fees for posting ($.20) and selling (transaction fee) at item. Those are fees connected to your Etsy shop.
Additionally, Etsy will take fees for processing your Direct Checkout payment. Those are fees associated with processing your payment. Remember that any payment processor will charge fees.