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I'm pretty sure all personal payments do not have a charge. From their site:
It is free to send a Personal Payment to someone in the United States if you use your bank or balance as the exclusive Payment Method*. All other Personal Payments include a fee as noted below.
Sending or Receiving Money Free
When Payment Method is exclusively:
-PayPal Balance, and/or
-Bank account
2.9% + $0.30 USD
When Payment Method is:
-Credit Card
-Debit Card
-PayPal Credit
-or partially funded by PayPal Balance or Bank account
Either the sender or recipient pays the fee. Not both. The sender decides who pays this fee
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