You don't want to send it as a "gift". That's what they mean isn't covered. You want to send it as "goods" and you'll have buyer protection.
You don't have to add money to it, though you could. It can get directly taken out of your checking account or if you have a credit card linked to your account, you can have it taken out of there.
Last edited by BubBubsMom; 10-30-2012 at 12:19 AM.