Why don't you make a donation (rather than a payment) to the friend through Paypal? There is no more fee charged for receiving gifts, even if you have a Premier/business account. On another site, I'm involved in swapping hobby/collection items for my rockhound stuff, and when one of us makes a donation, just to pay the cost of shipping, by using the right Paypal button we don't have to pay a fee. If I sell an item, I'm still charged the fee of course. I have to admit the first time I got a gift and Paypal let me keep the whole gift, I about fell out of my chair. Not sure when they started this but it must be pretty recent for Premiers.