Frogskins
I am Jim Jannard...
You can send them a payment under the "goods" tab. No invoice needed. If they want 3% then you will need to add that to the total. As I have stated before, I never charge an extra 3% for fees, not worth the hassle in my opinion. But that's just me.
Yes you are protected if you click the tab about paying for goods and services. Just add the fee on top if the seller requests that and you are safe. Quite simple. If things go sour it takes about 2 weeks to get your money back some times longer.
Thank you both for taking the time to explain - very much appreciated ...