The payments go to a personal, not a business account.
I am paying using a QR code because the fees are lower (1.9% vs 2.7%).
PayPal have verbally informed me that even though he understands that these are personally payments to my wife, the system has no way of knowing this and they will therefore need to report this on a 1099-K.
The situation is similar with personal payments through Google Pay (although they only accept debit cards). However, they have a way to cancel the 1099-K, if issued, by certifying that these were personal (P2P) payments.
I do not have other options of spending to meet the credit card requirement. This is the method that I have used for more than one year. Now, the regulations makes it complicated, even though it is not supposed to affect us.
