Paula, I use VRBO the same way as you. I do not have online payments turned on so the renters contact me by phone or email and then I forward them to our rental agency. This process eliminates the new VRBO fee. I have a gold subscription but our house has fallen towards the bottom of the list for Magnolia Cottages despite being well reviewed. I only have 2 open weeks left for the summer so I can't complain about inquiries. That being said, I will probably switch to bronze level since the gold level doesn't appear to be giving me any benefit. I just hope vrbo doesn't force owners to use the online payment system; that could be a game changer.