Adding PayPal as a payment method
is Apple going to charge me $14 for adding PayPal as a payment method?
iPhone 8, iOS 13
What you circled above does not say Apple is going to charge you $14 for adding PayPal as a payment method. Read what it says carefully.
I am not saying anything about the conditions for using PayPal as a payment method. I am only commenting on what you posted above.