1) There is, but only to the receiver (it's deducted from what the payer sends).

2) All you have to do is register a credit card. It'll automatically be withdrawn. If you're US-based you can also withdraw money from a bank account into your paypal account and use that to pay others -- thus the distinction.

3) I'm Canadian. :-) Main problem is how long it takes to "verify" a foreign credit card (why they do this I don't know -- it's not like Canadian credit cards are with "Viso" or "Mister Card"), but once that's done you're OK.