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PayPal also offers business loans to help fledgling companies get started [source: PayPal ]. Besides these functions, the three accounts also share certain features and limitations.

However, you'll pay a fee for something that requires a currency exchange. Unverified accounts, including those without an associated bank account or credit card , have more restrictive sending and withdraw limits.

The three PayPal account types differ in some important ways. First, personal accounts give you access to the core features, but that's all.

PayPal handles customer support for personal accounts primarily by e-mail or through a virtual customer support agent at the PayPal website.

Premier and business accounts are similar, but business accounts must be registered with a business or group name, while a Premier account can be registered with a business, group or individual.

Also, you can set up multiple users to access a business account. These extra features come at the cost of transaction fees, which we'll take a closer look at later.

I accidentally upgraded to Premier while trying to find out the differences between Personal and Premier Accounts.

I have been told that Personal Accounts are for people like me, and Premier accounts are for people who sell a lot more than I do.

My questions is, are there any negative side effects to upgrading my account? If not, why are there two account types?

If you are selling items you should have had a premier or business paypal account. So you're saying it was wrong to sell a few odds and ends on eBay with a Personal account?

Why is there a Personal account if a Premier is so much better and there are no fees? Personal accounts were ment to be used for sending funds to friends and relatives, not for purchases or sales.

You were just lucky that your buyers sent paypal balance or bank transfer payments and not credit card funded payments.

If they had sent a cc funded paypal balance, you would have been told you need to upgrade to a premier or business account to accept the payment.

Those 2. By the way, I have received credit card payments in the past and it did charge me. I'm just wondering what the actual difference ebtween the accounts is.

It seems like there is no difference at all except what you're "supposed to" use each account for. Would that be correct?

For Purchase Payments, the recipient of the payment will always pay the fee. A Purchase Payment involves buying and selling goods or services, and payments received when you send a "request money" using PayPal.

For Personal Payments, the fee, if any, is based on the Payment Method and the location of the sender and recipient. A Personal Payment involves sending money to and receiving money from friends and family without making a purchase.

Regarding account types By opening a Premier or Business Account and accepting the terms as outlined in this Agreement, you attest that you are not establishing the Account primarily for personal, family, or household purposes.

Cookies help us customize the PayPal Community for you, and some are necessary to make our site work. By browsing this website, you consent to the use of cookies.

Learn more OK. Browse categories. Ask the Community Help the Community.

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