I double checked since it is relevant to me since I have a family member paying back a loan via Paypal. The only occasions where there is a fee for F&F payments is if the payment is funded by a credit card or sender and receiver are not in the same country. For the "standard" F&F payment within the US and funded by Paypal balance or bank account there is no fee for a personal or business account.
https://www.paypal.com/us/smarthelp/...aq690#business
From that link you can toggle between personal and business account and see they are the same.
Of all the laws Brandolini's may be the most universally true.
Deep thought for the day:
Your bandsaw weighs more when you leave the spring compressed instead of relieving the tension.