When paypal started, I joined when they were still giving $5 to sign up, and $5 per ref feral that signed up. I invited all of my friends, that I had an e-mail to. only a couple signed up. I sent $1 to everyone ($6 for them $4 for me), and still no one signed up.
Your account needs to be a personal one to get the free transactions, and from what I read when i first signed up you need to transfer less than $400 per month. So you could make a bunch of fake accounts and do $3~~ a month on each. If your product is under $400 this could work, hope your profit margin is high, but since your hurting with a ~3% PP cut I'm guessing your not, you'll be making lots of accounts which is quite a pain, I'm not going to write about making fake accts, you can find it elsewhere on here. Making a bunch of accounts is probably very time consuming, as some of the actions can't be done with a bot. So you might as well pay the fee, or get a merchant account somewhere else, someone who used to work for a merchant acct company posted on here recently.
