Thank you for contacting PayPal.
The only way to live test IPN is with a live payment. You cannot add funds to PayPal other than by a bank account. You are also correct the system will not allow you to pay yourself.
If you have any further questions, please feel free to contact us again.
Cоловей – птица, роза – цветок, дуб – дерево, Россия – наше отечество, смерть неизбежна.