The 2 types personal and Premier or Business paypal account are good to have for different situations. With personnal paypal account you´ve no fees when receive non mass payments with an ammount lower than 0.35$.
Premier or Business account are better if you´re interesting in buy or sell in ebay. I´ve the 2 types of paypal account for different uses. So I recommend you to not upgrade your account and create a new one.
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