Nevermind. Even when sending money to friends it appears to be a paypal fee if using a credit card.
; Starting Score: EQ: 714, TU 684 Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17 Goal Score: 800 (Achieved!) In garden until Sepetember 2019