You pay nothing for sending money. However, you have to pay to
receive money. I think generally speaking, for small aounts at
least, it is about 4%. And yes, all who receives money will pay,
not only business members.
Paypal is alright for sending money. Very reliable. For receiving
money however, i think it is a right pain in the arse. Takes too
long to xfer the money to your bank accnt (about 5 working days for
me i think), and they appear to be very pro-buyer in that they will
not hesitate to remove money from your pay pal account to
compensate a guy who alleges that there has been a problem with the
xsaction (eg. Non delivery).