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Downside is that, if you have a premier account and anyone pays you using CC then you will 'automatically' receive money-3% (for $100 payment $97 in your Paypal account).
But in case of personal account, if someone pays you using CC then your account gets an option to accept/reject the payment (since its not a premier account), and request them to pay using bank account via paypal, so you do not pay any service chagre on transaction.
And I believe there is some limit on transactions/amount between the two.
And with Premier account you have an option to keep money in Paypal account and earn money market rate of interest on it.
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