Yes, we know that things that seem too good to be true usually are. Gifted is an exception.
We offer two completely free funding methods: ACH transfers (recommended), and wire transfers. Credit card transactions have a 3% processing fee. It is a back-to-back transaction that we don't make money from.
You can load funds to Gifted only in USD, so to ensure that there are enough funds to cover gifts sent in non-USD currencies we charge an extra 5% to account for any currency fluctuations.