The other difference is if you’re using a business account for PayPal, they’re ending the friends and family option. So for me, I don’t really use F&F more than a handful of times a year. No problems there.
I looked it up again cause there’s been some new changes…They’re not reporting the F&F income yet but supposedly these changes are going to make it easier to see who’s abusing it for fees. So who knows.
I just play by the rules cause I have a couple friends who didn’t and got frozen in the past.