It depends. Selling, I tack on the 3% on the sale, or have them send F&F. If they don't want to do either, I'll wait for a postal money order. I've got a pretty good track record of NOT screwing people over, so sometimes word of mouth works. Buying, if I know them I will send F&F. If I don't, I send GAS, add the fee if they request it. I prefer to have that recourse in case I run across that guy that I misjudged. Luckily, most of the stuff I am looking for ends up coming from friends from here, or friends from Facebook, and I seldom have to go outside of my "circle" to find what I need.