I just went and checked out the payment page like I was going to send a payment. I see now that there is a second tab that says personal and you have the option to choose:

-gift
-payment owed
-cash advance
-living expense
-other

I don't remember ever seeing these options or tab before. Perhaps it is something they just addes with the changes that have been made. It would seem that perhaps SR can use the "payment owed" under personal since they are not selling goods or services. I can only say that there would need to be a guinea pig who would be willing to lose the fee if paypal decides to charge the fee anyway. The fact that SR sends many paypal payments each month may trigger it as commercial but it would seem that it can be done using this tab and classification without trying to fool paypal and it may mean there would be no fees.