a couple observations:
- p2p transfers are free with paypal. you must receive with your personal account (not your business one) though.
- the "free $5" for joining and referring a new user is deceptive, see:
http://www.paypal.com/cgi-bin/webscr.../bonus-outside
http://www.paypal.com/cgi-bin/webscr...us-faq-outside
bottom line is that you must add $250 to your account to get $5, and as a referrer your referral must add $250. it may have been different in the past though.