For items priced between $10 and $100 you can buy them directly using a credit/debit card. For those under $10 or above $100 you have to use your added funds. Both methods have the same processing fee. Is that what you meant by “pay fees to transfer funds”?
For example, if you want to buy a $10 item using a credit card, you will have to pay $10.60 at checkout. If you want to use your added funds, it will deduct $10 from your account, but you were still charged $10.60 to add that $10 to your account.