I checked the "gift" option. But it still wants to charge me a $0.45 fee...is this normal?
It shouldn't. Did you go under "personal"? It didn't charge me a fee.
I think it waives the fee if you link your bank account to your PayPal account (not 100% sure on this though) - otherwise, you have to pay it so that the receiving party isn't charged.I did. It still wants to charge me a fee.