Sorry, I only send as a gift if it's someone I know personally and I'm 100% sure I won't have to dispute. I send a lot of paypals on this chain and I've already had to dispute three paypals that have been claimed by someone not holding up their end of the swaps (I have approval to do this). Who knows if paypal will rule in my favor but I know there would be no chance if I had sent as a gift. If you don't like the fee don't claim the pp. Or use the money to purchase things from your pp account, then you won't be charged any fee.