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.