interesting point about the gift $. never thought of thatThey shouldn't be taking more than 4% unless their fees have changed. The amount at which 4% will still leave you with $15.00 should be $15.6248. If it would just be easier I'll send $15.75 but I'm not sending as a gift as there is no recourse if I ever need to dispute the payment (which I have already had to do). Thanks for letting me know, I was trying to send enough to cover the fee, not trying to be a pain.