I have been down both roads with and without the use of "Gift" as an option of payment. No matter what if you pay through paypal for any transaction off EBAY you have no protection if you use anything other than a CC. If someone here on the board is a trusted member who cares if they are asking to save 3% on their end. If you pay through anything other than your paypal balance they also charge fees for the gifting. So transfer the money into there first and then pay. I do believe this same issue has been discussed many times before.