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I actually used to sell payment processing services to small businesses, so I know pretty well what the costs were for it, and while the equipment itself was indeed costly, it was also an ongoing cost to the business.
DO NOT add funds to your steam wallet with a NEW credit. I've added funds to my Steam wallet twice. I have never used steam wallet before, if I add funds.
There is no option to send money to the wallet of your friend directly. What you can do however, is buy a Steam gift card and send that code to your buddy so he can.
All of those will charge a percentage of the purchase and sometimes a fee on top of that to purchase it.
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