This is not the place to discuss these things. This should be done in private message between both users. However:
F&F has fees
depending on which country indeed. (e.g Belgium > Hungary takes 2,99 € fee on F&F)
F&F payment look like this:

(if you've received it, depending on country there could be a fee )

(if you've sent it yourself, depending on country there could be a fee)
A Non F&F payment will always show that there is a possibility for

:
I hope this is enough info to fix your issues, and as I stated before -
please handle this through PM.
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Do not hesitate do pm me if you have any questions.