Now that makes sense.

That's why I haven't seen these options you mention. I have money sitting in the PayPal accout from Fleabay items sold. So no fees both ends and no credit card fee's to pay - so my gift payments have worked.
I think that's fair. If your using a credit card, there is a charge to paypal associated for that.
If you have money sitting in the account and your using that - no fee's either end.
Thank you all