If someone pays as a gift or for a service, there's no label option (because in theory, there's no need for one). If someone pays for goods, then there will be a label option since you would be sending the item. Fees are taken out for payments of goods and services and none for gifts.
The fee is 2.9% plus 30 cents or 3.9% plus 30 cents for cross border payments.
eta: sorry-posted at the same time (although I'm apparently pretty slow).