We paid the fee (2.5% I think) but for us it was worth it as we felt so awkward about asking for money in the first place so it just felt a bit nicer. There are other payment options such as PayPal which I think was free or at least cheaper but then it's just a transfer from their account to yours.
We did speak to a couple of close friends/ family who had expressed interest in the list and advised them to pay by cheque and just reserve the item online which they did but I suppose it depends how well you know people and what your preference is.
I guess the best thing is that buy our honeymoon provides all these options so you can pick one that works best for you ????
good luck! X