Payments are free to send and receive, but only if they're funded using a bank account with both parties in the U.S. Want to use a credit or debit card instead? PayPal will collect 2.9 percent (either from the sender or recipient), with a 30-cent processing fee to boot. And if you're sending funds abroad, fees range from 0.5 to 3.9 percent, depending on a variety of factors. A rather comprehensive collection of e-cards helps soften the blow if a fee applies, and includes selections for just about every occasion. Fourth of July coming up? Let's top up that fireworks fund. So dig up those account and routing numbers and get ready to stick some virtual cash in a virtual card -- just one week 'til Thanksgiving!