Paying A Private Seller – Be Safe!
With all private sales you need to apply some common sense when arranging payment to another forum user. Paypal is the most popular method of making payment for a private sale but be aware that there are different services offered by Paypal with different associated risks. Sending a payment via Paypal is usually not cost free. Paypal take a commission from one party or the other. This commission payment does offer a limited amount of protection for the payer in the result of a dispute over the transaction. You can however, make a commission free payment by sending payment as a ‘Gift’. be aware that in the case of a dispute Paypal will offer no protection at all if you choose this method of making payment.
Unless you know and trust the recipient we strongly advise against using Paypal Gift as a way of making payment to a seller. Paypal Gift transactions offer NO PROTECTION in the case of a dispute over a sale.
as lifted from the classified rules, fees are a pain in zee butt , but they do offer the correct level of protection.