Personal accounts limit the number of credit or debit card funded payments received [qb]per year[/qb]. Credit or debit card funded payments are assessed a transaction fee.
The fees for a personal account are quite differant... From the "Fees" FAQ entry: Personal Accounts
Quote
4.9% + $0.30 USD (limit of 5 transactions per 12 month period)** for domestic or U.S. transactions
2% + applicable Fees Fees for cross border payments
4.9% plus $0.30 USD for card payments received using PayPal on Skype
Premier/Business Accounts
Quote
1.9% to 2.9% + $0.30 USD
I wonder if they still require using their IPN or if they've opened things up a bit more since the last time I tried using their systems for website payments (outside of the paypal payment buttons)