I'm completely taken back by the simplicity of this + that it's free. So many times have I paid a contractor via PayPal as a "friend" to reduce PayPal's fees.

I'm completely taken back by the simplicity of this + that it's free. So many times have I paid a contractor via PayPal as a "friend" to reduce PayPal's fees. Moreover, why hasn't a bank or credit card company done something like this yet? Amazing how the solution disappears into a cc: address line and unique link in your email.