Beepster
Paypal is really lame if you're a seller but brilliant as a customer. It's cool Cake accepts it (and pays the associated fees). Quite a few places won't anymore.
When I sent money to someone else a while ago, they charged me a fee of about 3%. Is this a similar % to what CW would be charged? From your comment, it also sounds like this fee went up at some point.
EDIT: Lump sum. I want to get it out of the way and not have to think about it or be reminded about it every month.