Late response here, but you are correct that paypal always takes a fee for commercial transactions disclosed to paypal. Their argument would probably be that t

Late response here, but you are correct that paypal always takes a fee for commercial transactions disclosed to paypal. Their argument would probably be that they require commercial transactions to have fraud protection. That said, there are areas where very small businesses use fee-free Paypal for commercial payments by disguising them as personal payments. (Used camera gear is where I've personally seen it)