When I am receiving payments via PayPal, I get fee on them. I know I can receive payments with 0% fee only if the sender choose so. I was wondering if there is any way I can decrease those fees. I wanna make them as less as possible so that I will not loose big amounts of money because of this.

I am currently using a personal account, and I am getting 3.4% fee plus 0.35 Euro.
If I register for a different type of account, will me fees be less? Or they will remain the same as the fees of a personal account?
I read that payments of bigger amounts get less fee, but I am not receiving big amounts of payments..

Is there any option which allows me to pay a monthly or yearly fee and receive payments without fees?