Hello @wrldlygrrl,
Welcome to the PayPal community and thank you for your post.
I understand your concern about sending money via Friends and family as a gift. If you’re sending money to a friend or family member, select “Sending to a Friend" or "Friends and Family." You can make a personal payment to anyone in the U.S. for free if you use your bank account or your PayPal balance. If you use a debit or credit card, there will be a small charge for your payment. The payment options might not be available due to internal security reasons. Here's the link to know more about the fees for Sending international personal transactions. If you have any questions, please contact customer service by clicking contact at the bottom of the PayPal website to see the contact options.
I hope this helps,
Ayesha
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