I, of course, understand it's not free. They also make money from instant transfer fees and investing funds during the 'float' time between their receipt of the money and the time it takes to get to your own bank. When people initiate the payment of funds to me, there has never been no fee. This time, I sent a request for payment. That must be the difference between the free 'friends and family' payment vs. the request for goods and services. Thank you.
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