Effective immediately, we are prohibiting the solicitation of so-called PayPal "gift" payments in all swap meet ads. A PayPal gift payment is a transaction in which no goods change hands. It is a gift of money that is not in exchange for goods. Using gift payments to avoid PayPal fees is dishonest and it releases PayPal from all responsibility when it comes to payment disputes, etc.. QRZ, therefore, does not condone such practices. Editorial: PayPal provides a great service for a fee that some feel is excessive. The actual fee to PayPal ranges from between 3.5 and 4.5 percent, depending on the circumstances. Compared to most other banking institutions, their fees are comparable, and when you consider the utility of being to make secure payments 24 hours per day to virtually anyone else on the internet, it seems clear that it provides an outstanding value. Perhaps those who object feel that the fee should be less. No doubt some feel that there should be no fee, which is in itself, an insane proposition. In any event, there is a simple solution. Either use PayPal and pay the fees, or don't use them. Using them and not paying their fees is a non-option. Calling your transaction a 'gift' to avoid the fees is tantamount to hacking, which everybody agrees is a crime. I've been a PayPal customer for more than a decade and have at times been disappointed with their services. This, however, pales in comparison to the number of times I've been ticked off by other institutions like my bank and credit card providers. Compared to the latter, PayPal has been a gem. Still, they could improve their service, I'll concede that. In the meantime, I'm going to continue to happily accept PayPal payments and pay the fees that are associated with them. If you really want to argue about unreasonable percentages, you should look in to the Apple Store which sells programs, books, music, etc., for the iPhone and iPad products. They extract 30% from every transaction, before taxes. That's why a lot of publishers have stayed away from Apple. Still, millions of people are using them, why? It's because the users are not aware that Apple is inflating all of their their iTunes purchase prices by a third and are naive to assume that "the sellers pay the fee, not themselves". So, please think again about trying to beat PayPal out of $5 or even $20 on the next transaction when you sell that big HF rig. Stop trying to pretend that you don't owe them anything for using their service, or that they don't have a right to make a profit. If you don't like them, don't use them.