Setting all payment requests as friends and family to avoid extra fees

[Gawss]

I have recently switched my PayPal account into a business account from personal. Now all payments to me  have a finance charge and my clients are having trouble finding the friends and family option to avoid these charges which are paid by me. Can I fix this in a simple way? Can I switch my account back to a personal account where I didn't have this problem?

[kernowlass]

@Gawss 

You should be paying a fee regardless of account type if you are selling and NOT asking your buyers to pay using the f/f option.

Its against Paypal rules to accept a family / friends payment for selling goods and you risk your Paypal account being permanently limited if you do so.

A buyer would not be able to open a Paypal dispute for non-receipt of item OR item not as described as they would have no Paypal buyer protection.

However they can still open a dispute for an unauthorised transaction OR do a chargeback (via their card issuer) and you may well lose as you would have no Paypal seller protection.