What is the safest way to revive payment

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What is the safest way to revive payment (by Lin):

Hi, PayPal has been a good experience to complete these transactions; however, Please NOTE: When receiving payment, ensure the transaction is completed as "Friends & Family" so as not to incur a fee from PayPal. If it's done as "Goods & Services," it assumed you are selling a product (i.e., on Ebay with shipping/tracking) and PayPal will withhold money as a fee (amount varies per transaction). I just completed a transaction as "Friends & Family," which does take a few day s to complete but does not cost a fee. It is going very smoothly! Good luck. :O)